milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX  has an account listed on my credit report opened XX/XX/XXXX. My girlfriend at the time added me as an 'authorized user ' and the account has been charged off at {$490.00}. I never used this account or authorized being added to it. I contacted XXXX XXXX XXXX. They referred me to a collection agency which stated the account was closed years ago, and last reported to credit bureaus XX/XX/XXXX. I was also told the credit bureaus are the only ones who can remove this closed account from my credit report. XXXX notated the account and said they would be willing to speak with someone on my behalf to have this removed from my credit report. XXXX.

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 03/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. XX/XX/XXXX, I sent in my mortgage payment to XXXX and they said it was {$5.00} short so they sent it back. I never received it. The confirmed I did n't receive it and never cashed it as they sent it to a " holding '' department that does n't exist on my end. Since that day and prior, I had been making mortgage payments on time and had no idea they starting docking me 30 days late since that payment. XX/XX/XXXX they sold my mortgage to Nationstar. I did n't receive any information from XXXX regarding the sale and for XX/XX/XXXX and XX/XX/XXXX, I paid XXXX. XX/XX/XXXX I finally realized my payments should be going to Nationstar so I made my first payment to them that month. I have documentation of proof of payment to both institutions dating back to XX/XX/XXXX. Nationstar is docking me 30 days late for the months of XX/XX/XXXX-XX/XX/XXXX because of the payment that was " sent back to me ' from XXXX. Their explanation for the lates are they purchased the mortgage from XXXX and purchased all of its history too. Well not knowing my payment was sent back, I had no idea this was taking place. I am now not able to get a mortgage since I have all those 30 day lates and to top it off, they added a 60 day late in XXXX of XXXX. I have disputed this with the institutions and their comments back are " our records are correct and no adjustments are warranted ''. I then submitted all my documentation to the XXXX bureaus and based off their investigation gave me credit ( removed XXXX 30 day lates ) for XX/XX/XXXX and XX/XX/XXXX? How and why just these two months i have no idea. I showed proof of payment for the last 2.5 years. Nationstar has me 30 day late XX/XX/XXXX, 60 day late XX/XX/XXXX and 30 day late in XXXX and XXXX in XXXX? How can this make sense to anyone? I have tried to contact nationstar for the last 5 months and have got NO help in regards to explanation other than they purchased XXXX history. Every time I call I get a different person who has no idea why I am being docked late. I was given the name of " a manager '' I needed to EMAIL all of my documentation to and would get a response in 30 days. That was over 45 days ago. I have send numerous emails to this individual in the course of 45 days and have gotten ZERO feedback. I need some serious help with this issue as it 's preventing me from getting a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: a Collection agency by the name of XXXX XXXX XXXX turn a bill in to my credit report when i called them they said i did not have a bill with them under my name or birthday. I filled a complaint with Equifax and they sent me a letter stating they had talked with company and bill was mine. i called XXXX back gave them account # they said again bill was not mine Account # at XXXX is XXXX. XXXX phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I wired {$20000.00} to XXXX with no errors and included the accurate Recipient Instructions/Message number on XX/XX/XXXX. The wire was initiated same-day ( was informed it would be deposited same day ). After two days still had not received a deposit and reached out to XXXX message support form for assistance with a detailed PDF including the Federal Reference Number, Bank Reference Number, etc. After a couple days called the Coinbasewires number and XXXX XXXX, but unable to get ahold of anyone. On XX/XX/XXXX after seven days of no XXXX  response, I requested a wire reversal from my bank. 

I reached out to my bank on XX/XX/XXXX, and was informed my bank is still waiting for the reversal to initiate from XXXX XXXX, i.e., CoinBase, Inc. bank. I have sent another message to the XXXX support group. But unable to get ahold of anybody. 

Case ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I enrolled into XXXX I felt grateful and had high hopes for a better future for myself and my family. I felt encouraged and finally able to be accepted by a college that I thought was going to help me get my career of a life time and I would n't have to worry about paying back my student loans until after I graduated. I was told that I would get a job as an XXXX if I completed their XXXX I excelled in my XXXX Program and graduated XXXX my associates, highest honors & perfect attendance throughout my entire program. Since I 've graduated I only been able to obtain Administrative and Accounting positions. I found out through a close friend of mine also attending XXXX that the school has closed, and has so many lawsuits. They 've been discredited of lying to their students, putting their student into debit and crumbled their reputation. I am very very disappointment as mush heart and stress I put myself through to graduate from XXXX my degree is n't worth the paper its printed on. I am in so much debit because of XXXX and their promises. I only graduated with an XXXX XXXX and have {$55000.00} of student loans all from XXXX ; {$45000.00} with Navient and {$7900.00} with XXXX XXXX Student Loans. Which this amount I should have not have only my XXXX but my XXXX and maybe even my XXXX XXXX. I ca n't afford this I have XXXX children and Navient wo n't help me even though I asked to discharge my loans since XXXX closed. I 've sent in my complaints to the XXXX ( ID # XXXX ) but I have n't heard nothing back about it. This is frustrating and I could just cry. I 've applied to different Architectural Companies but I just end up being an accountant or an administrative assistant. I do n't get that great pay rate that XXXX said I would to help pay my student loans. Please please someone help me!! As least work out something with me so I can afford to get my self out of this student loan debit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reviewing annual credit report from Transunion - have submitted following errors - no response : 1. I am XXXX or XXXX XXXX XXXX not XXXX or XXXX XXXX XXXX 2. Never lived in XXXX XXXX, XXXX. - Lived in XXXX last 35 years. 
3. Have never had a tax lien filed against me - Docket # XXXX XXXX, XXXX 4. Do n't recall ever having credit with XXXX XXXX XXXX - Acct # XXXX XXXX. What does " promotional Opt-Out mean??? If this is a lock out please have it removed.

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 02/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Collection Agencies are Inaccurately Reporting Closed ( Charged Off Accounts from a year ago ) as Open and Late every month. I do not have any payment agreement with the Collection Agencies so they can not report a payment as missed or late. I did not open any accounts with the Collections Agencies. XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Please delete their payment history as they are not late every month. These accounts were closed long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, Equifax ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed multiple accounts online with Equifax on XXXX/XXXX/17. As of XXXX/XXXX/17, the investigation is ongoing. This exceeds the 30 days provided by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Applied to XXXX for a no-rewards credit card. Have excellent credit for over XXXX yrs., never been late ever, never missed a payment. XXXX shows my FICO score as XXXX while Equifax shows it as XXXX today, two days ago, XXXX months ago this disparity existed. I check every year all three credit reporting agencies & FICO score but last year I did not pay extra for the FICO except from XXXX. I just did a HELOC refi XXXX months ago & FICO was XXXX ( down then due to from the hard credit pull ). XXXX statement also shows FICO in XXXX usually. Experian shows credit usage low, 19 % debt to income ratio. XXXX used Equifax, which shows a FICO score of XXXX - XXXX points less than Equifax. This disparity in FICO scores is unexplained & I received a higher interest rate for the XXXX credit card due to XXXX using Equifax 's FICO score. I was told by the Equifax rep that mortgage companies use XXXX while credit card companies use Equifax. Why? I think that Equifax is treating my mortgage as a revolving line of credit since what displayed on my screen ( after I had to pay {$19.00} for it ), was " Credit Summary '' line item Mortgage shows " balance '' {$45000.00}, " available credit '' {$150000.00}, " credit limit '' {$190000.00} - this is inaccurate since it is a 15-yr fixed rate mortgage, so there is no available credit or credit limit. I can not think of any other element that would drag down my FICO score so significantly other than this. Equifax CSR told me that its score was not an actual FICO score ; rather, it was a " Risk Score. '' What? When I called back and spoke to someone else, she stated that the XXXX score was indeed a FICO score. There must be an explanation for this enormous disparity and I am chalking it up to underhanded misdealings between credit card issuers and Equifax. Please look into this starting with me. I have screen shots of both XXXX and Equifax 's reports showing my FICO score and will email it to whomever works on my case but do n't wish to post it now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: We were on an automatic payment plan however our checking account was automatically closed due to hacking. Called IC to explain why they could not get payment and tried to setup plan with new account information and women stated that could not be done and I had to pay in full. She was very rude and would not put on supervisor. I finally gave up and said I would call back. I called back at a later date and setup the automatic payment with the new information with no problem. However, just realized they sent our account to the credit report. Called back and spoke to a women and she explained why and just insisted I should have paid the bill. She would not listen to me and I asked to speak to someone else and she refused. She actually hung up on me. I dont know my legal rights but they never sent a notice that this account was going to be sent to my credit report. Please help get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: CREDIT REPORTING COmpanies are required to give a free credit report annually. When I went on line to request my Experian credit report, as I do every year, I filled out all the information, and got this message : " A condition exists that prevents Experian from being able to accept your request at this time. '' And was told to submit a form in writing. I XXXX that phrase and found that thousands of other people are getting the same message. It seems obvious that Experian does not want to provide their required-by-law free credit reports and is doing this to discourage participation in this useful service.

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 11-07-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX ( XXXX ) switched banks to service their credit card to Commenity Bank. I was in good standing with XXXX 

The transfer of accounts from one bank to the other should have been a transfer not a closing of one account and an opening of another.
My credit score took a big hit 28 points by Commenity Bank closing my account. This account with XXXX XXXX was opened less then a year ago and had only {$66.00} left on the account. Because Commenity Bank closed one account and opened a new one- my credit score went down. 

They wo n't do anything to fix the problem. If this was the situation with a new bank taking over an account, I feel like I should have had the option of closing my account on my own without opening another one.
What can be done to fix my credit score? This wo n't sit will with a mortgage company seeing a 28 point loss this week.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

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 11-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I had a Moving Company called XXXX scam me, on the same day when i realized that i was had, i called my bank to stop the check that i had written, the rep asked me what was the the check #, which i gave him, he also asked me what was the range of the amount of the check, i gave him an amount of between, XXXX and XXXX dollars the amount on the check was XXXX, so the bank is telling me that it does not matter that i gave the check #, its the amount that i gave was the reason that the check went through, if he had told me that i needed the exact amount for this transaction i would have given it to him, i do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor was XXXX XXXX XXXX XXXX XXXX apartments. My husband and I moved in XX/XX/XXXX. We were evicted XX/XX/XXXX. The apartment complex " SOLD '' the contract to PROCOLLECT INC. they are reporting on all three credit reports that we owe a balance of {$5400.00}. This was placed in collection XX/XX/XXXX. We have sent out letters for them to validate this debt. However, they sent us a copy of the contract and another statement with the amount owed to them. They doubled the amount. We have reached out to them many times regarding this issue .... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,. We sent out several letters to which we have no response. We need this debt removed from the credit bureaus as soon as possible. They are making it hard to apply for credit and to move forward within our lives. This debt has so many unaccuracies. Please help us! PROCOLLECT INC is a SCAM!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been trying to get a payoff amount from my mortgage company for 2 weeks. My mortgage officer has submitted a request. My Title company has requested this 2 times. Each time the rep at Freedom Mortgage states that they are sending the payoff with per diem. The company has not complied with this request despite numerous contact encountered.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After reviewing my credit report I found that this fraudulent item was placed on my credit. at the time this item was establish XXXX. 

Account name XXXX XXXX XXXX {$4700.00} is a fraud item

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (PA).
Issue: Struggling to pay your loan

Complaint: I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.

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