milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: XX/XX/2018 I contacted TransUnion about a dispute and incorrect information being reported on my credit report by XXXX XXXX. I was informed that XXXX XXXX verified the incorrect information and that I could submit another dispute. I contacted XXXX who said they contacted TransUnion to verify that they received the reporter payment history. My problem is that XXXX claims they have reported my payment history to TransUnion and TransUnion says they only have what is shown on my credit report. XXXX with XXXX said that when they contacted TransUnion they verified that the correct history had been reported. I already filed a complaint against XXXX but Im not sure if the issue is with XXXX or TransUnion now. I am in the process of a mortgage application and XXXX has agreed to advise my lender of my up to date payments and the pay off of the balance. I need my credit report to reflect the correct payment history.

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 01/27/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (VA).
Issue: Managing the loan or lease

Complaint: CashCall Loan This loan was taken in XXXX of 2013 for XXXX out of which XXXX was deposited to my bank account. This loan originated with XXXX XXXX which then immediately sold it to XXXX, and then it was sold to CashCall. To date, I have paid XXXX and have sent a complaint to XXXX as well. I have never missed a payment but can no longer afford their interest and I feel I have paid well over what I should have. I am asking that my account be closed and the account marked settled and paid in full.. They hide behind " Tribal Laws '' but infact are not tribal and they bandy the loan with several different companies. My agreement was with XXXX XXXX which was immediately sold to XXXX, then CashCall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information by allowing themselves to be hacked ; and according to their website I am at potential risk for my identity being stolen according to their website XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Both my husband and I have tried to order our credit report from the XXXX website. Both attempts ended in an error or the report not being available. My request was for Experian and my husbands was for XXXX. Please correct this problem so we can get copies of our reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, XXXX, XXXX XXXX XXXX added two derogatory marks on my credit file per XXXX XXXX  The amounts were {$59.00}, and {$1500.00} dollars. Upon further research it was discovered that as of XXXX XXXX XXXX XXXX XXXX actually had their license revoked in Florida and therefore can not come after me for this debt. Also there was NO WRITTEN form of communicatiofor/ contract for these accused debts at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 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: Problem with personal statement of dispute

Complaint: On XXXX/XXXX/XXXX, I sent a letter to Experian disputing an unverified debt on my credit report. Along with my dispute letter was a letter from the creditor stating that the debt can not be verified. 

On XXXX/XXXX/XXXX, Experian sent me a letter saying that they will not reinvestigate the information because I did not send relevant information. The letter I sent to Experian on XXXX/XXXX/XXXX included a letter from the creditor stating that the debt can not be verified. 

Please be advised that, Experian has specific responsibilities when reporting : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 04/16/2015 about Debt collection (I do not know) with Ashwood Financial Inc (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Daily calls from the debt collector to collect a debt for someone that does not live at this residence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.

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 EQUIFAX, INC. (GA).
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,2017 I sent XXXX, Equifax, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX,2017 from XXXX, Equifax XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (FHA mortgage) with Selene Finance LP (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I got behind on my mortgage in XXXX 2016, that month I only had {$500.00} of the {$670.00} to pay so I sent the {$500.00}. The company still has that money and has n't applied it to anything and has not sent it back to me. I was n't able to make XXXX or XXXX payments due to replacement costs in the home. I sent the {$170.00} to get XXXX caught up but they sent it back refused to accept it saying they would only accept full payment for XXXX, XXXX and XXXX. How am I suppose to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Late fee

Complaint: I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 04/18/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Credit decision / Underwriting

Complaint: Our story is incredibly too long and complicated to summarize in this short space. Please see attachments, most importantly Word document " CFPB Letter '' for full story and details. I met with our local JAG attorney at XXXX XXXX XXXX last week, XXXX XXXX, Field Representative for the Office of Servicemember Affairs branch of CFPB. He instructed me to file these documents with you in order to seek your immediate assistance. Thank you so much for your attention to our very URGENT case. 

On XXXX XXXX, 2016 we began the process with CitiMortgage for an assumption loan. After 3 weeks we finally received a XXXX page " Loan Application XXXX '' from Citi. They told us to complete only the highlighted portions, which did NOT include " Assets. '' Matter of fact " Assets '' was crossed out with a line by Citi employee. This is significant, as they used it as one of their reasons for denial! 

We completed the loan application and overnighted it on XXXX XXXX, 2016. On XXXX XXXX, 2016 ( after numerous unreturned phone calls for three days ) we and the holders of the assumption mortgage were both told that we had been sent a package with a list of documents for us to submit within XXXX days ( i.e. Proof of income, XXXX, any supporting documents to further explain line items on credit ). We never received that packet. After being misled by employees at Citi, we called their customer service and our situation was escalated to the Executive branch of customer service. 

On XXXX XXXX, 2016 we received a phone call and subsequent letter of decline stating 3 reasons for their denial : 1. Insufficient income for total obligations 2. Delinquent past or present credit obligations 3. Insufficient funds to close. It also stated our credit scores of XXXX and XXXX ( both above Citi 's minimum to qualify ). 

Based upon our understanding of banking practices and fair lending laws as explained to us by several attorneys now, including our local JAG office, we know we were denied the due process established by not only CitiMortgage, but also federal and state laws. Being military, we are an entire different class of applicants and have an entire different set of guidelines written by the Veterans Affairs ( VA ) that must be followed by servicers of VA loans. 

By not being given a level playing field, we wholeheartedly believe we were subjected to discriminatory lending practices because we are an XXXX XXXX military family.

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 10/27/2015 about Debt collection (Medical) with AR Resources, Inc. (FL) (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AR resources continue to verify a debt that they have yet to validate which is a violation of the FCRA. I ' requesting your assistance is getting this matter resolved fairly and swiftly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been an account holder with XXXX XXXX 's credit card services for more than 11 years and have never made a late payment on this account. On XXXX XXXX, XXXX, there was a payment due on this account in the amount of {$14.00}. At that time, I did not realize that there was a balance owed on this account as I had previously been carrying a credit on this account in the amount of {$61.00} since I had overpaid the account during a previous billing cycle. I paid the {$14.00} balance which had increased to {$16.00} after fees had been accessed on XXXX XXXX, XXXX. On the day, I made this payment, I realized that the payment had exceeded a 30 day period and I was concerned that a late payment would be reported on my credit report, so I contacted a representative ( recorded conversation ) to confirm whether my payment would be reported as late. During this conversation, I was informed that I would not receive a late payment report on my credit report because they do not report a late payment until the account is 60 days past due. Unfortunately, when I checked my credit report, it is reporting late with all three credit bureaus XXXX XXXX, XXXX and XXXX XXXX in XXXX XXXX and my credit limit was reduced from {$4000.00} to now only {$100.00}. I contacted the XXXX department with XXXX XXXX 's credit services today, XXXX XXXX, to see if they would put in a request to remove this late payment reporting on my credit since I was previously told on XXXX XXXX, XXXX by the representative that I would not receive a late payment report since my account was not 60 days past due and as a courtesy since I have held this account for over 11 years since XXXX and HAVE NEVER BEEN LATE, and unfortunately, I am unable to get any resolution. Not only have I ever paid this account late, I have also never been late on any of my other credit accounts and this account and all of my accounts are current. I am frustrated because this late reporting on my credit profile has damaged my credit profile and has caused a decrease in my credit scores by over XXXX points. I am only requesting that they consider that I have been a long time account holder and have never paid this account late and make an exception to correct this late reporting on my credit report. Thanks so uch

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 12-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ) are submitting derogatory in formation concerning an account from XX/XX/XXXX where we made calls using a toll free calling card and XXXX routed the calls so that it was a toll call. I filed the a letter protesting the charges on XXXX. I provided a copy of the to the CFPB. XXXX nor XXXX did not contact me per my letter. They have reported the derogatory information to Trans Union and I was refused credit because of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Other

Complaint: I have been fighting with Cavalry SPV I LLC regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collects where they buy a debt that has aged out 5-6 years and then re-report it on your credit report as of the date they purchase it. The problem is by law ( in most states ) the collection account is only valid on a personal credit report for a total of 7 years. When the collection company re-ages it, the consumers credit scores takes a significant drop ( in my case over XXXX points ) as the debt looks like it just went to collection. Secondly, they do this so they can have the debt on your credit report for an additional 7 years. This Company should be investigated for their practices not only in my case but in all the consumers they have affected. I have went thru the expense of hiring an attorney to assist in this as well but it seems to fall on deaf ears. The Company 's lawyer ( who I will list below for CFPB to contact ) claims her client knows nothing about the issue and refuses to address it. So here we are, hopefully the CFPB can address this promptly and all the consumers who have been violated under the law will take some form of satisfaction in seeing Cavalry SPV get what they have coming to them. {$1000.00} fine for each violation. The max allowable by law. 
Attorney for Cavalry : XXXX, XXXX. 
XXXX , XXXX 
XXXX, NJ Office : XXXX, XXXX, NJ XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Debt she'd be discharged as it is over 7 yesrs. Company, Navient. falsified last payment date to hold onto debt. I couldn't have made a payment in 2014 as I couldn't even buy my own food. Plz discharge full debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Altisource Portfolio Solutions, S.à r.l. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On no less than XXXX occasions, I was told by XXXX that this debt was resolved. They billed me for pest control on a contract I canceled and for a property that sold in XXXX 2015. They also violated the XXXX, continuing to call my mobile after I repeatedly asked them to stop. 

After the last conversation when XXXX said the debt was not mine, and the balance was zero, I heard nothing for several months. 

I then received a collection letter from NCI demanding {$96.00}. Is that XXXX does? Ignore customers, tell them their debts are resolved and then forward them to an unsuspecting debt collector who is unaware of XXXX internal control issues and disregard for honoring their commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation