milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Bought a car in XX/XX/XXXX, totaled it XXXX ... On XX/XX/XXXX, my insurance company paid the balance and the account was satisfied. 

In XX/XX/XXXX, I saw the account as, 'Account paid in full, was repossession '. At that time I called the lender, XXXX XXXX, and they assured me they had n't submitted any repossession. In fact, I was never late. I 've disputed this over almost 7 years ... Multiple times. Nothing has changed. 

The damage and cost to my life/lifestyle is irreversible ... I do n't know if you could calculate the cost? 

It 's a gross fault of the credit report bureaus ... And their obvious lack of due diligence. I have finally received a letter from the owner explaining the error on the credit bureaus side. 
I did n't know I had any other rights or avenues ... But, I 'm XXXX ... And sick of being judged by a corrupt system. 

I have never abused credit, as many do. Yet, I ca n't get credit. 

From the owner, XXXX XXXX, XXXX '' I 'm unsure if this helps but a lot of times when there is a situation like this, places that are looking at to give you credit will call us direct or will accept a letter from us showing the proper rating to override the incorrect XXXX on the bureau. If this will be of any help please let us know and we will gladly help. " Please help! 

Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have recently have contacted via phone Equifax regarding my credit report. There is inaccurate information, like credit limits, missing payments, accounts that do n't belong to me, unauthorized inquires on my credit report. Equifax have told me that they were going to fix it but at this point they have not fixed anything, I have not even received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Equifax has all these inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (NY).
Issue: Money was not available when promised

Complaint: I deposited a check for {$50000.00} drawn on a XXXX bank into my Citibank HELOC on Thursday morning, XXXX XXXX. Today the local Citibank branch manager told me that the funds would not be available to draw until Saturday XXXX XXXX - XXXX from the day the money was deposited.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: APR or interest rate

Complaint: To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? 
When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the balance on your monthly statement with the highest APR. If you do n't pay your full balance each month, you might not be able to avoid interest charges on new purchases. '' - Per Chase Website. 

The Credit Card Act of 2009 requires a card issuer, upon receipt of payment, to apply amounts in excess of the minimum payment amount first to the balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. 

Chase has not treated my payments in this fashion. I would like an adjustment to be made to my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Trouble during payment process

Complaint: I received a call from XXXX who services my homeowners insurance to let me know that a payment had not been made in early XX/XX/XXXX. I reached out to XXXX at this time because they bought my loan from XXXX XXXX XXXX XX/XX/XXXX before the payment way due. I talked to XXXX XXXX XXXX   department and they said that it had been paid. I gave it a few days and called XXXX back. They said they still had received no payment and that my homeowners was set for a cancellation notice to go out. I reached out to XXXX again the last week of XX/XX/XXXX. The insurance services department said they would escalate it for research. Again I didnt hear back. I called the first week of XX/XX/XXXX and they said to give it a few more days because it was still being researched. We sold my house on XX/XX/XXXX and no money came back from escrow to me. I received no refund from my insurance. I called back again XX/XX/XXXX after receiving a bill from my insurance company. Insurance services said they researched and found that I would have to talk to someone in their customer service department because they couldnt see the information they needed. They tried to transfer me but it disconnected them. I called the direct number twice yesterday and twice today and after long wait times I am disconnected. I called my former mortgage company, XXXX XXXX XXXX, and they say they transferred {$1900.00} of escrow on XX/XX/XXXX when the loan was sold. My property taxes were paid but my insurance was not paid by XXXX, but they have lost the money and wont even give myself or my insurance company a check number to try and track this apparent payment. This is over {$600.00}. I then initiated an online chat with XXXX and the agent ( XXXX I think was his name ) said I would have to call. I told him I have multiple times but always get disconnected and his only answer was sorry we are experiencing high call volume and that he couldnt have someone call me I would just have to keep trying. I dont know what else to do to get the insurance company their {$95.00} and me the rest of the escrow money they owe me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX # XXXX ... It appears that TransUnion changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No contract with this company or its people they claim i owe the debt to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (FHA mortgage) with AmeriFirst Financial Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We had a home fire XXXX 2013. We settled with XXXX XXXX insurance ) for $ XXXX to rebuild our home. XXXX sent the insurance funds payable to us & AmeriFirst Home Mortgage - as we have a mortgage. AmeriFirst would hold the funds in escrow & pay out the funds in intervals as the home is rebuilt. At several points AmeriFirst would work with our builder to defraud us or coerce us to make payments we disagreed with. In the end, AmeriFirst helped our builder ( who quit before the house was done ) steal a great deal of money from us. AmeriFirst refused to give us the funds they were holding to repay invoices we 'd paid to rebuild the home. Then we received the final insurance disbursement, which AmeriFirst demanded they get the check ASAP - that was almost 2 months ago. Since that time they have made excuses, delayed & stalled reimbursing us for invoices we incurred. They absolutely refuse to repay us a single penny. They 've stated that they 'd release the funds once an appraisal was done to show the value of the home was over $ XXXXk XXXX our original mortgage ). They 've stalled & changed an appraisal to a BPO, FHA inspection, inspection & back to an appraisal. We ordered our own & showed that our home was $ XXXX, which is obviously more than $ XXXXk. Two weeks pass, we hire an attorney & AmeriFirst has objected to our motion to compel the release of funds since we met their requirement of $ XXXX in value. Now they 're objecting to the appraisal stating that they believe the value of the new construction XXXX sq ft home is well under $ XXXXk XXXX after spending $ XXXX ). This is simply another stall tactic to hold our funds. AmeriFirst believes the funds are theirs & that they should keep the funds in order to mitigate their loss of value on our home, which is crazy! This is the end of the story - but there 's so much more they 've done wrong - such as releasing $ XXXX to the builder after we clearly told them we no longer wanted any more funds to go thru the builder. They forced us to sign over the 2nd disbursement rather than pay bills thru AmeriFirst. Then after the builder quit & they were notified they 'd quit - AmeriFirst still worked with the builder to steal funds from us. AmeriFirst released inspection reports after the builder quit. AmeriFirst released information about how much additional money they were holding to assure the builder they could steal our funds & bills would still get paid. AmeriFirst has worked against us every step of the way & in very illegal & unethical ways - much like them continuing to hold funds for months when they clearly know from prior inspections & a current appraisal as well as FMV of new construction that their objection is frivolous & a delay tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AMSHER COLLECTION SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Penn Credit Corporation (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX claims to have sold the loan and servicing rights to an outfit called Select Portfolio Servicing, but after calling I have learned that the new lender and servicing company have no record of me or my account. I am convinced that payments sent to the new servicer will not be credited properly. They do not even have a Website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had representative XXXX XXXX call my business phone after advising multiple times to remove my business phone from their records but they continue to call and harass and are borderline stalking. They are rude, invasive and frankly their collection tactics are unchristian like as represented in their need to sale to companies to collect debts. They have threatened to add my debts to my husband 's credit and debts that were established prior to our marriage. This is illegal and they have no right to do this. This company is absolutely rude and their workers insult and will talk over you, hello you called me to collect a debt and being rude and invasive will not help you accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: On XXXX XXXX XXXX received my request to validate debt with creditors, XXXX nor Experian provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with XXXX and nothing with experian.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on XXXX was on XXXX and experian. The conclusion is that didnt physically validate anything for me ( XXXX nor experian )

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 10-05-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MS).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint: When I first purchased my car back in XXXX of XXXX, the car a XXXX XXXX XXXX XXXX costed {$14000.00}. I put down {$4000.00} in a down payment on my car which would have brought the total cash payment down too {$10000.00} and my payments were discussed with me prior to signing off on any agreement. My notes were suppose to be {$290.00} every month on the XXXX of each month. In XXXX of XXXX I became current with my payments after I signed off on a agreement to extend my lease which never happened but the company has all of the information on their end to when I made an agreement about that. When I called them this past week on Tuesday XXXX XXXX, I was told my car was in the reposession status and that I owed a total of {$21000.00} on my car and that I signed off on a 21 % interest rate with the dealership WHICH IS COMPLETELY FALSE! I had no idea up until this week about the other receipt that the dealership kept that they did not give to me. I only have a copy of the one they have sent to me via email.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions

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 02/20/2017 about Credit card () with CITIBANK, N.A. (MI).
Issue: Late fee

Complaint: I used my Macy 's credit card, issued by Department Stores National Bank, in-store for a purchase of about {$65.00}. I had moved since using the card last, and asked the cashier to confirm my address on file. She said my address on file was correct. I never received an invoice for this charge. Six months went by, and I never received an invoice by mail or email. The bank did have my correct email address on file. The only reason I realized I had an outstanding balance was because I checked my credit report. They charged me {$150.00} in late charges and interest fees and were unwilling to work with me on this. After calling, I found out the only way to dispute the charges was via mail or fax. I did that, and I just never heard back from them at all. I fully paid the {$150.00} to avoid further damage to my credit report. I found this bank to be very unprofessional, in their lack of contacting me. I am very disappointed to have had to pay such a large amount of late charges, and having a black mark on my credit report.

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 monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.

Company response to consumer: Closed with non-monetary relief