milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Fraudulent reporting of information on my credit file.

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 01/30/2016 about Credit card () with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. 
XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX, I took out a personal loan in the amount of {$10000.00} with Lending Club to lower my interest rates and combine some credit cards into one monthly payment. I was approved for the loan amount of {$10000.00}, but they needed to keep {$600.00} for a loan origination fee and I agreed. But I asked if paid off the loan early would I get that {$600.00} back. I was told yes, but the amount would be pro-rated. A few days later, {$9400.00} appeared in my checking account. At the same time I applied for a personal loan from bank just to see what would happen. And low and behold I was approved for a {$10000.00} loan from my credit union and a much lower interest rate. I made arrangements with Lending Club to pay off my loan ASAP. On XX/XX/XXXX, my account was paid in full and I even paid some interest bringing my grand total paid to Lending Club {$10000.00}. I called the office and I was instructed that I would get my Loan Origination Fee refunded to me less the undisclosed pro-rated amount. The person I spoke with could not tell me how much I would get back but said it should be back in my account in a few days. Well much to my surprise, a week later, {$97.00} appeared on my checking account, apparently that was my refund from the Loan Origination fee. When I called and asked how this number was established the person on the phone said, " I will have to have someone call you back '' I never got a call so I emailed customer service and received the following response : " XX/XX/XXXX, XXXX PDT Hi XXXX, Thanks for contacting us. The methods we use to calculate refunds are proprietary information. Please let us know if you have any additional questions. You can reach us at XXXX or by calling us at XXXX Monday through Friday from XXXX XXXX. to XXXX XXXX., or Saturday from XXXX XXXX. to XXXX XXXX. Pacific Time.
Best regards, LendingClub Member Support '' Should n't they disclose how they are taking advantage of customer who chose to pay off a loan early? My loan was less than 30 days old and I lost {$560.00} to these crooks due to Proprietary Lending Techniques?

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Making/receiving payments, sending money

Complaint: Taking an offer with Bloomingdales to receive a discount on a singe purchase if I took a credit card and paid it off within a certain time. did so, but they credited the wrong account and started charging me interest and fining me for late payment. On discovery, they apologized, refunded all the fines and promised to not let it affect my credit history. On being turned down for a mortgage last week, I pressed for possible reasons and this came up along with an internal error by XXXX, my bank, which also apologized and refunded fees charged, but has still adverse affected my credit scoring. XXXX Bloomingdales error and XXXX XXXX error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Other transaction problem

Complaint: The problems I have experienced with MoneyGram have  all taken place over the course of the last week to 10 days. The first incident occurred XX/XX/XXXX. On this date I attempted to send my wife the sum of {$300.00} to XXXX XXXX XXXX. The transaction was processed and I was issued a reference number of XXXX. Before my wife was able to get to a location to receive the money it was canceled by MoneyGram. I spoke with a supervisor named XXXX in the companies XXXX call center who remitted the money to me but when asked why the transaction was canceled he was unable or unwilling to give me any information. At this point I did unfortunately become very rude with the individual. On the same date of XX/XX/XXXX a complaint was filed through the companys web site and I was issued as complaint reference number of XXXX. On XX/XX/XXXX I received and email from the companies Resolutions Assurance Department asking for more information on the incident. Unfortunately the phone numbers associated to the email simply routed me back to the XXXX call center who couldnt even find the complaint number. I returned the above noted email on XX/XX/XXXX and spoke with a supervisor named XXXX again in the XXXX call center who was quite rude and unwilling to help in any way. On XX/XX/XXXX I was permitted to send {$100.00} to my wife. On XX/XX/XXXX I attempted to send {$300.00} to my wife again using MoneyGram services as well as the XXXX to XXXX service ( I  found out later that this service is provided through MoneyGram as well ) both transactions were processed ( reference numbers were XXXX and XXXX respectively ) On the same date of XX/XX/XXXX I spoke with a supervisor named XXXX in the companies call center in XXXX and latter a supervisor named XXXX in the same call center. Both were again unwilling or unable to release any information regarding why the transactions were canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.

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 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX has an account listed on my Experian and XXXX credit reports. The Experian report does not have a recent balance but noted as paid. The XXXX report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection  ( 8 ) ( D  ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation within  5 bu siness days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report a s : 1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3.  XXXX    XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6  XXXX   XXXX   ACC B AL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: It has become overly apparent, how poorly TransUnion is conducting any type of investigation at this point. I filed a fraud alert on my account in conjunction with the inquiries on my account. TransUnion still has failed to validate these inquiries under section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. You will not accept  XXXX  finds but yet have FAILED to provide adequate findings of your own. I have contacted the agencies who have accessed my report and they have no history of me, and as previously stated, I hold NO debt, mortgage nor account with the said agencies, THAT I PROVIDED YOU. You have NEGLECTED to contact these agencies for validation and yet continue to report false information on my report. Its evident it was lost in translation, because I did NOT receive per FCRA Section 611 any validation that I have requested on SEVERAL occasions. If you have followed protocol, and verified them, why has validation failed to be provided? FCRA 15 U.S.C 1681i states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me a copy of verifiable proof, than you must delete the inquiries from my credit report. I will continue filing disputes until you adequately conduct an investigation.

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 04/21/2016 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband was approved through our XXXX to be exempt from property taxes here in XXXX XXXX XXXX Va as he is a XXXX veteran. The problem is that Caliber home loans is continuing to take out the taxes, and will not adjust our loan to reflect the exempt status. I have called several time and each time they advise they will " open a new inquiry '' through their tax research dept. I am then advised to call back in a week because they are an inbound call center only. When I call back I enter the same loop again. I talk with someone who has no clue, am told they will open another inquiry, and I have requested to talk with a supervisor but am always denied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Payday loan () with CNG FINANCIAL CORPORATION (MI).
Issue: Can't contact lender

Complaint: I am receiving threatening phone calls from a XXXX Number, XXXX, stating that i owe money for a default pay day loan from XX/XX/XXXX. Check N Go is the company. The man, who has a bad XXXX accent, stated if i did not pay immediately i would be arrested and charged with XXXX different things. I asked for a verification of debt letter which is what Check N Go collections told me to do, he refused and got angry. Told me i had to pay at a XXXX XXXX store which i found odd. I asked why i have never received anything prior to this in almost 6 years and he said they sent me 2 letters but no one was there to receive it. Wouldnt they leave a note saying a certified letter was trying to be delivered? I have never received anything. I spoke with them on XX/XX/XXXX, when it started, on XX/XX/XXXX asking for the verification letter, which he said he would email and never did, and tried to call on XX/XX/XXXX and XX/XX/XXXX with no one answering. 
Check N Go stated i do have a debt but collection agency they sold it to is out of business so they cant help with who i actually owe. I will gladly pay any debt i have, but this guy and place seem like a scam. I dont want to give my money to someone who wont verify who they are. XXXX says their number is an IRS scam snd when i told him this, he got angry. I need to know what to do. 
I have the threatening email, screenshots of dates and times i called, and the email i sent in reply asking for more information. Which they never responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: Good Afternoon, I fell behind on my mortgage payments last year XXXX XXXX. I did not waste any time so, I gathered all the documents necessary and submitted a Uniform Borrowers Assistance Form with my mortgage servicer, Freedom Mortgage in XXXX of XXXX. I was denied in XXXX of XXXX due to exceeding the Debt To Income Ratio by 54 %. when I was supposed to have reached a 40 %. 
I obtained a part time job to be able to afford any modification payment Freedom could offer and I re-applied in XXXX XXXX. On XXXX XXXX, XXXX, I called Freedom Mortgage and spoke with XXXX ID # : XXXX, and she informed me that I was denied on XXXX XXXX, XXXX, again, due to exceeding the Debt to Income Ratio again. I asked her to give me a break down of the income and expenses used. I also asked her how much did I exceed this time, she responded " 40.72 % ''. 
It does not make sense on how I was denied by exceeding by less than 1 %. I asked her to please email me the denial letter because I needed that in writing. I received the denial letter the following day. I typed an appeal letter gathered pictures of my home and mailed out through certified mail. On XXXX XXXX, XXXX I received a letter stating that they denied my appeal. 
I do not even think they read my appeal or bothered to investigate! I will attach all the proof with this letter.

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 09/18/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Late fee

Complaint: I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. 
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax was reporting an incorrect XXXX XXXX tradeline, which I disputed. They deleted the tradeline. Subsequently, they reinserted the incorrect tradeline with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Talbot, Adams, & Moore, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No comment just let them this not belong to me i dont XXXX anything

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Syndicated Office System

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation