milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OK).
Issue: Managing, opening, or closing account

Complaint: Hi, I have been a serve member for a little bit, then early XXXX I recieve an email saying my account was suspended saying I violated the user agreement but did n't give any notice of what I did. Ok fine, that XXXX but if they do n't want me as a member fine. I called and was told I would receive a check for the balance within 10 business days I think it was. But it never came, I called again a few times and was told different things each time. I was told it was being reviewed and to wait 3 business days and call back and then one time was told there was 24 hours left in the review period and to call back afterwards .... anyways fast forward to now, they no longer give me any details just that the account is under review and that I might not get my money back. Wait, what? This has been going on for almost 3 months and now they wo n't tell me anything, I 'm hoping they will work with you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX 2015 my mortgage had been administered by Bayview Loan Servicing and previously it was XXXX Mortgage. From the very beginning I have had difficulties getting my payment issues resolved with them. After several attempts to pay my mortgage, I finally was able to make a payment in XXXX. I set my payments for automatic draft in XXXX with Bayview and requested an extra amount to withdrawn from my checking account to pay down the principle. Bayview sent me a letter showing that they had received my request and that they would begin withdrawing from my account the larger payment. My goal is to pay down my loan as this is an interest only loan. I noticed immediately that they were only taking out my minimum due and not the extra amount as requested and they had acknowledged in writing that this would take place. XXXX months later XXXX XXXX of 2015 ) and several calls later, I finally was able to speak with a manager to request that this be corrected. Prior to this I made several phone calls per month with the same response - " We will have a manager call you to correct the matter '' only to never receive a call. I have wasted a lot of time on the phone trying to get this resolved and they currently are telling me that it will be correct for my XXXX payment. This is what I have been told for the past XXXX months so obviously I have my doubts. My biggest issue is the half of year that I missed out on to make extra payments. I tried several times to pay extra online, but it would only allow me to pay my interest on the loan and nothing more. Bayview is a terrible servicing agency and is creating issues for their customers and needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 have tried to contact XXXX, to dispute an account, in which ; the statutes of limitations have already expired. XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

XXXX Acct # 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 explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Received a phone call from XXXX XXXX CA phone number XXXX XXXX XXXX XXXX. Caller asked who I was, I never stated I asked " May I ask who is calling '' the caller stated they where a debt collector and asked to verify my address. The caller stated an old address I no longer lived at. The caller stated only the numbers and street and ask me to verify the city and state. So i verified the city and state, they caller then told me that I had a past due Balance of {$580.00} with XXXX. I told the caller I never had XXXX service I have XXXX they caller then stated " Oh I 'm sorry then my mistake '' then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I started disputing inaccuracies on my credit report on XX/XX/2017. I have asked for phone numbers, addresses, names and physical evidence of these debts I allegedly owe. They REFUSE to send me the information, but continuously report this inaccurate information and refuses to send supporting documentation. They will tell me I need to send RELEVANT information. Well, if you are reporting inaccuracies, you should be able to back it up. They won't send me any supporting documentation and basically want me to do THEIR job. I'm not the one reporting inaccurate information on my report. They even stated they VALIDATED a debt, however, the company asked me to send documentation and another one sent a letter stating they would no longer pursue collection against me. Yet the credit bureau stated they VALIDATED the information. How is that possible when the creditor or collection agency couldn't validate it?

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 01/23/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: I am selling my coop at XXXX XXXX XXXX XXXX, XXXX. The buyers have already been approved and all parties are ready to go to the closing table with the exception of my bank who holds the coop 's mortgage, Mr. Cooper ( formerly Nationstar ). In mid-XX/XX/XXXX my lawyer, XXXX XXXX, informed Mr. Cooper that the coop 's stock certificate would need to be presented at the closing. Mr. Cooper took absolutely no action for nine ( 9 ) weeks. After additional prodding from my lawyer, they handed the issue to their lawyers, XXXX XXXX XXXX XXXX XXXX XXXX. 

The law firm told my lawyer they would have the document available and ready for closing in 4 to 6 weeks. Six ( 6 ) weeks has now passed and they still have no document to produce at closing. Closing is ready to go but can not proceed without this document. The coop is costing me a significant amount of money each week it sits empty. The buyers are anxious to occupy the coop to set it up prior to the birth of their child. Everything is being held up because Mr. Cooper can not produce the stock certificate. 

It has now been a total fifteen ( 15 ) weeks that Mr. Cooper or their lawyers have failed to produce the required document. 

I have attached a letter my attorney sent to XXXX XXXX ... on X/XX/18 that summarizes the situation. I have also attached a copy of a recent mortgage statement showing the mortgage account number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: To whom this may concern, When I checked my credit report I seen where a debt was reported by XXXX. I filed XXXX disputes with trans union and did n't receive any verification to prove debt was mines. I had an apartment with XXXX and had a bed bug incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being attacked by bed bugs and washing all of our clothes and shoes costing me XXXX of dollars, when I called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me I could terminate the lease but I was still entitled to pay XXXX 2014 rent which I paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to trans union and they advised they do n't verify if debt is actually yours with written documentation they just call. I spoke with the supervisor from trans union who did n't call me back. This has been a disaster I am a single dad and this is hindering from getting an apartment. Please Help!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 filing a complaint against XXXX ( PREVIOUSLY KNOWN AS XXXX XXXX ) for an unresolved issue. It is my belief that XXXX ( XXXX XXXX ) is acting deceptively regarding the student loans they service for the U.S. DEPT. OF EDUCATION. I completed my formal education with an XXXX in the Summer of XXXX. Prior to the completion of my education in XXXX all of my loans were in deferment because I was in school. After graduation my loans went through a number of deferments and/or forbearances. In XXXX, I went through a difficult time which subsequently led to a divorce at the end of XXXX. During this time I was in communication with XXXX XXXX at various times and believed that my loans were either in deferment or forbearance based on what my loans qualified for at the time. I was shocked to learn some time later that some of my loans had gone into a past due status. I was even more shocked and confused when the U.S. DEPT. OF EDUCATION told me that I had loans in default but that the would help me with rehabilitation so that I could get my loans out of default and have all the negative credit information removed from my credit file ( s ) ( including the negative information reported by the loan servicer because I was told they report of their behalf ). I agreed to the rehabilitation even though they should have never gone into this status if the deferment and/or forbearance was applied properly ; however I was absolutely horrified that my credit had been impacted and I wanted to move forward with getting the matter resolved. All of my loans have been rehabilitated and the U.S. DEPT. OF EDUCATION has removed all negative credit information with respect to my loans from my credit file ( s ) but XXXX refuses to do the same. In addition, beginning in XXXX XXXX I replied to numerous e-mails sent to me by XXXX requesting forbearance for my loans. I also called XXXX multiple times in XXXX checking on the status of my loans and was assured my loans were in good standing. I called in XXXX XXXX in response to an e-mail I received from XXXX and spoke with a representative that assured me that the forbearance was approved and I would not have to worry about anything reporting as past due on my credit ; yet XXXX is reporting me delinquent for the months of XXXX XXXX and XXXX 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 explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/2015 I received a loan from a local place of business called XXXX XXXX. In exchange for my XXXX XXXX XXXX automobile title I was given a loan of {$750.00}.

I repaid the loan with interest in 4 months. Each payment was a money order since this place of business didnt accept checks or cash. Each payment was {$390.00}, which sufficiently paid off the loan with interest.

I continued to get collection calls from XXXX XXXX  after repayment of the loan. The calls became so abusive and originated from around the country that I refused to answer them.

My daughter also received threatening phone calls from a broadband phone located in XXXX, as well as others. She sent me these along with the recorded messages. My daughter is a XXXX   and neither she nor I need to be continually harassed by these collection companies.

I retained XXXX XXXX XXXX to clean up my credit report and noticed several mysterious inquiries, Judgements, and companies claiming that I owed in excess of {$900.00}. Their names include 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX I have never dealt with any of these companies nor have I been made aware that I owed any company this amount. According to the paralegals at XXXX XXXX the above titled companies are claiming that theyre owed a ridiculously high amount of money that could only originate from an illegal predatory loan company.

XXXX XXXX   is the only company Ive ever dealt with that would be considered predatory. Since XXXX XXXX couldnt reach me by phone, they fraudulently charged my checking account XXXX claiming it was for the purchase of an elliptical machine. Im XXXX and would never waste my money on an elliptical machine. I contacted my financial institution and after researching the transaction it was discovered that XXXX XXXX fraudulently, through an electronic transaction withdrew funds from my checking account.

After retaining XXXX XXXX to address my credit issues both my daughter and I began receiving threatening phone calls from collection agencies. I have phone numbers these calls originated from, dates, time ( s ) of these phone calls and the recorded messages that have been left.

Needless to say this is extremely damaging to my credit report. All credit reporting agencies have a record of this predatory loan which has been paid for years. However, my credit report doesnt reflect this and the harassment has gotten very problematic. It needs to be stopped as soon as possible and my credit report needs to have this fraudulent negative item ( s ) removed at once.

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 01/24/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX 

REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (CA).
Issue: Money was not available when promised

Complaint: On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.

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