milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just seen that someone tryed to open a credit card at XXXX in my maiden name and married name.I do have a alert i think on my credit report i am trying to rebuild my credit.I had lost my purse about 7 mos ago with all my pesonal info in my wallet.Hope you can help becouse this is brong my credit score down every time this happens Thank You very much XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: HELLO, THIS HAS PREVIOUSLY REPORTED AN ACCOUNT IN ERROR LISTED AS  XXXX   XXXX  ,  XXXX . '' I HAD NO BUISNESS WITH "  XXXX   XXXX   XXXX  OR   XXXX   XXXX   XXXX   '' AND THIS MATTER WAS REMOVED FROM ALL  XXXX  REPORTS, AND NOW PLACED ON MY REPORT AGAIN.     I REQUEST CFPB LOOK INTO THE MATTER AS THIS SHOULD NOT OCCUR AND THIS IS NOT MINE OR IS NOT CORRECT.     THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect informatio n ( b ankruptcies, liens,  XXXX   XXXX   XXXX  and   XXXX   XXXX    ) b eing reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   ( w hich has a freeze on reporting any information to any agen cy ) to  inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all  Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (VT).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I have a student loan through Navient that was consolidate previously from XXXX. As part of my original loan terms I had signed up for a " borrower 's benefits '' which included a 1 % reduction in my interest rate if I paid 36 consecutive payments on time. This was performed, but after the 40th or so payment there was an issue with my bank sending the money ( it was from a savings account that was limited to XXXX withdrawals a month and the money was attempted to be withdrawn just before the month rolled over ) so the payment was not able to be made. Navient sent me a message that there was a problem with my payment, I submitted the payment again and it went through 8 days after the original date. However, after that " missed payment '' my borrower benefit of a 1 % reduction in my interest rate was revoked and all documentation was taken off my account. I was unable to even figure out if they were correct in revoking that benefit. When I called and asked them about it they said it was " late after 48 hours '' - but the email to let me know there was a problem did n't come for close to 5 days after there was a problem ( making it impossible for me to react to anything in time ). Of note there was a similar problem in XXXX of this year when the charge was reversed and I submitted another charge on XXXX XXXX. 

Considering all of this, I had written Navient asking for documents describing the rules of what would constitute me loosing my borrower benefits. They were unable to provide any documentation, but they did send me a copy of my original loan document which stated that I would incur penalties if my payment was late by more than 15 days. Therefore, it seems to me that this should be the cutoff for removing my interest rate reduction - however, Navient seems to have changed the rules and this seems incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: the credit reporting agency never removed it off my credit report i have a letter from the company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used my XXXX XXXX card to purchase business services from a company called XXXX XXXX. XXXX never provided me with any help at all or sent me anything, did not help my business, or file anything to help my business. When I complained, they sent me a refund minus {$9100.00}. They did not send me the entire amount because they said there was a 20 % fee for terminating the service early and for a " restocking fee ''. First of all, I never received anything to restock, and second they never did anything. Lastly, THEY were the ones who cancelled. 

I have filed several disputes over this with XXXX, and they side with the merchant every time because they have some forged agreement I never signed. My point has remained consistent ... if XXXX actually did perform any services ... there should be a paper trail with a shipping confirmation, proof of the business purchase setup ; registration and ownership transfer. I have brought this up to XXXX over and over and they have NEVER actually investigated nor received the aforementioned proof I requested. Every time I try to contact them about the dispute, I keep getting transferred over and over to different departments who obviously do n't communicate with each other or usually have any idea what I am talking about. Then like clockwork, in about a month ... they file in favor of XXXX after doing no investigation at all. I know this because for one, they have never shown me any proof of an investigation and because XXXX has the wrong address on my invoice ... so there is absolutley no way they shipped me anything. 

The original purchase was for {$40000.00} and XXXX refunded everything minus the aformentioned 20 %. Last month they refunded {$1100.00} but I am still owed an additional {$8000.00} Please help me, I have been disputing this for the better part of a year now with absolutley no cooperation or help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: The attached page shows a company called XXXX of XXXX Ohio sentt me a a check for XXXX and 53rd said there was something wrong with it. 53rd had charged XXXX in overdrafts at that time, so their settlement owed me 3 times that amount. XXXX XXXX also said he would refund the XXXX fee after a year. I was also owed a XXXX promotion as well. I am not sure what was wrong with the XXXX check from XXXX of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to place a security freeze on my Experian credit report, but their web interface for doing this is not functional ( has not been for months ), and the site just retuns a message citing technical problems and provides no other way to get in touch with them, so effectively, a person can not initiate a credit freeze through Experian ( at lease not through their web interface and they do n't provide a phone number as an alternate ). Because they are unable to provide this functionality ( I was easily able to accomplish the freezes on my XXXX and XXXX reports ), they, in my opinion, are in violation of FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting you on behalf od my XXXX year old mother. I just found out this this week she has been threatened with foreclosure under Nationstar ( XXXX, XXXX. ) She was behind and tried to send a check/funds to catch up but was refused. They would not work with her. They immediately began proceedings. She did not have any problems when with XXXX XXXX XXXX. Her property is in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Butler and Associates, PA (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In XX/XX/XXXX I received a letter from Butler and assciates for a debt that goes back to XX/XX/XXXX. I replied by sending a cease and desist letter shorty thereafter. Request that they not contact me via mail or phone. This is a 20 year old debt. They fiolated fdcpa by contacting me with a final threat letter dated XX/XX/XXXX. I also adices a refusal to pay because of age of debt and has far as I am concerned this matter was satisfied by doing jail time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have hard inquiries on my credit report an i do n't have accounts with none of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried to request my annual credit reports from all three credit reporting agencies. ( XXXX, Experian, & XXXX ). After asking for my general information, and my social security number, date of birth, etc., I was asked XXXX or XXXX questions about my checking account, if a home i currently live in or did live in is in a specific town, if i worked at a certain company, etc. I went through this XXXX ( because it timed out both times ) but the XXXX time I had a problem because I had to look for the deed to my home, to see the exact year it was built, the question was ridiculous. It asked the year it was built, not the approx. year it was built, but the year it was built. I bought the home in XX/XX/XXXX. It was built ( i have since found out ) in XX/XX/XXXX. I knew it was around then, but not exactly that year. The answers to the questions were : XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX-XX/XX/XXXX. I mean, if i was guessing, which is what i would have been doing, it could have gone either way XXXX XXXX??? it ends up i can not get my reports on line now. I am very upset about this. The people generating these questions should think a bit before putting them out there. I recently had to answer a question for my bank and it was about a cousin of mine and if he owned land in some state, I havent even seen him in years. It is ridiculous. 

regards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with quicken loan we have only been with them for six months they are and have re accessed our escrow account this is normally done on your anniversary of you loan. When we called to ask about this we were told that all loans in the state of Louisiana are done this so people do n't suffer at the end of the year this is a company decision they have made. We feel this is wrong for them to do this is not correct and kind of border line of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Taking out the loan or lease

Complaint: I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX.  I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX.  I have never been late on my account so I asked what account are you talking about?  The representative stated the $XXXX would bring me up to date and that I was not late.  After breaking down the accounts I was told that the accounts were seperated.  I told them I had the paperwork and the balance from the XXXX account was carried over.  They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00.  I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me.  I went to the store and XXXX gave me a customer service number to call and told me not to listen to them.  I have received harassing phone calls, collection threats and feel as if I am being scammed.  I have spoken to supervisors and no one is will to work with me.  The store blames corporate and corporate blames the store.  CONN Appliance waits until you are almost done with your payments and changes things without your knowledge.  This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Other bank product/service) with BNY MELLON, NATIONAL ASSOCIATION (CO).
Issue: Deposits and withdrawals

Complaint: This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid off my XXXX XXXX XXXX bill last year in XXXX, but I continue to receive phone calls asking for me to pay off a debt that I do not owe. It has also shown up in a credit report that I requested, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The loan company called me non-stop on my cell phone and my home phone. It was frustrating because I was paying on other loans and was not able to start paying that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: APR or interest rate

Complaint: A credit card with Belk Department store escalated interest charges when I did not pay off balance in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened a bank account with my social security number without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation