milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This acct shows XXXX balance and its closed/charge off Iam no longer responsible for this account!!!

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 05/20/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This creditor is asking for a debt in the amount of {$290.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 contacted Experian several times to have unauthorized inquiries removed, yet they will not remove them. There is no documentation that I authorized these transactions and I even have a fraud alert on my file. It is unfair to have to reach out to companies, with no success, to try to get inquiries removed that I did not authorize to begin with. Also, it is unfair and not good practice to continually deny me, yet when other customers call a rep will remove inquiries for them with no hesitation or valid reason being provided. If the policy is that an inquiry should stay on file for two years, this must be enforced consistently with each client. And that is not the case. At this point, if my issue is not resolved, I would have to escalate to BBB and The State Attorney 's office. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order None of the below inquiries have open/active accounts on my report nor were authorized and I would like them removed ASAP : -XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/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 08-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Other

Complaint: As a XXXX AMEX customer, I was to be transferred to the XXXX XXXX Visa Card by AMEX. I was informed to sign up for a new AMEX card as my existing one would be transferred. They did a credit check and I was approved. However before the transition, AMEX changed my AMEX XXXX to a XXXX XXXX XXXX and never transferred by account. I now have XXXX AMEX Blue Cash cards ( XXXX with my old AMEX number and the new XXXX they signed me up for ). XXXX tells me that AMEX never transferred the account and AMEX customer service has confirmed this. 

I need AMEX to transfer XXXX of those XXXX AMEX cards over to XXXX AS THEY WERE SUPPOSED TO. I do NOT want to apply for the XXXX card as it is a XXXX credit check when XXXX credit checks were promised in a smooth transition. 

AMEX staff say they are aware of the problem but I do not have a resolution. AMEX is guilty of the following : - Convincing me to sign up for a new Blue Cash Card on the basis my existing XXXX AMEX card was to be transferred to XXXX - Doing a needless credit check for a credit card I did not need ( the XXXX AMEX ) - Converting my AMEX XXXX into a AMEX Blue Cash prior to the transition WITHOUT MY KNOWLEDGE OR APPROVAL - Failing to transfer my XXXX credit card account over to XXXX. 
- Failing to communicate with me with a resolution after I have filed a complaint with them ( # XXXX ). 

What I want is simple : - AMEX to contact XXXX and transfer my credit account to a XXXX XXXX Card WITHOUT ANOTHER CREDIT CHECK or a re-application. 
- An explanation as to why my complaint to AMEX was not addressed and I was forced to file this one at CFPB. 

I have contacted : - XXXX XXXX ( MGR Membership Consulting Services ) -Shyra XXXX ( Customer Service ) - XXXX ID # XXXX ( Customer Services )

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' 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 monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: cra violation XXXX XXXX as id theft letter XXXX report and court records

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Customer service at XXXX XXXX onXX/XX/XXXX is extremely rude and should be fired. They can not even answer a simple question. System is down, I paid for online service and not receiving it. They should offer a discount or credit, for not contractually filling online service contract, and being a fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Medical debt) with Penn Credit Corporation (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -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 04/21/2015 about Debt collection (Auto) with Vital Solutions, Inc. (HI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information has been released to the public. My Social Security number, birth date, and addresses were included. I am not sure yet if my credit card numbers or driver license have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Credit line increase/decrease

Complaint: I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry '' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with Collection Bureau of Fort Walton Beach, Inc (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dealing with loanDepot 's local mortgage originator was a joy ( XXXX XXXX XXXX XXXX, XXXX ).  The person with whom we worked with took the time and effort to explain the process to us from start to finish. To lock-in a rate, we 've provided him with our personal and business tax returns, and a list of our assets and liabilities. Unfortunately, this is where our good experience came to a halt. After telling our loan officer that we 've decided to pursue a 15-yr loan instead of a 30-yr, he flat-out stopped responding. Did n't answer his phone or voicemails, did n't return our e-mail. This is a person whom we 've entrusted with our new home. To make matters worse, loandepot saw it fit to print out our ENTIRE credit history, financial assets, complete with our FULL social-security numbers, dates of birth, bank account numbers, etc. Basically, EVERYTHING you 'd need to steal identity and credit. They simply mailed these to us, by good-old US Postal Service, without tracking or signature requirements. And since the packages had so much paperwork, they did not fit through our mail slot, and were thus left UNATTENDED in front of our house, for anyone to take. At a day when identity theft is rampant, and major companies like XXXX have compromised our personal data, loanDepot 's complete lack of good judgement and care in safeguarding our most valuable information left us completely flabbergasted. I choose not to upload photos of any of these documents given how much valuable personal information they contain, but if CFPB requires them, I 'd be happy to submit them later upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 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: Account status incorrect

Complaint: After review of my credit report from Experian on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. I contacted menards on XX/XX/XXXX and spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted Experian and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.

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 05/26/2016 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: I have requested my report individually from Experian, XXXX and XXXX 
I have only received a report from XXXX. XXXX XXXX requested additional information after I provided to all XXXX of them my DOB, SS #, address, and enclosed a copy of my drivers license, my social security card, a water utility bill and a copy of my pay stub. Experian I never even heard back from. It has been more than 30 days since the original requests were made. 
I am now doing ANOTHER request through annual credit report but so far it is impossible to find what must be included with the request. 
Finally, I have to go through this written request process EVERYTIME I want a credit report because they ALWAYS have some of my Dad 's ( I am a XXXX ) information on my credit report so I CAN NOT answer the questions for identification. It 's has become a ridiculous pain in the XXXX to access my credit report especially when after providing more than the required documentation XXXX XXXX requests more of the exact same information and Experian does n't even deign to reply.

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 10/20/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: A year ago I purchased a bed from XXXX by setting up monthly payments with no interest for 18 months. Today I decided to pay off the remaining balance. When I went onto their website I noticed that they have been charging me a late fee of XXXX with interest for late payments every month. I have autopay!!. They said it was n't through their company but through my bank and my bank was n't paying it on time. WHAT??? I set up the autopay through XXXX 's online site. They basically said I was out of luck. More like out of XXXX of bogus charges. They did eventually credit me XXXX big deal. This credit card company is ripping people off and needs to be held accountable just like XXXX XXXX. Please look into this.

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 07/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: I write to ask the CFPB to sanction Nationstar Mortgage which holds the mortgage for a single family house at XXXX XXXX XXXX ; XXXX, GA XXXX. I also seek reimbursement for the cost of a survey and any code violations that I may be required to pay for not having the survey of the property that Nationstar said it had emailed to me. The account number with Nationstar is XXXX. ( NB : this account is for XXXX XXXX XXXX. One of your forced choice answers on this CFPB form distorts this information. ) Please also sanction Nationstar for unfair, deceptive and abusive practices. I was lied to and Nationstar disconnected me and refused to allow me to speak to a supervisor when I asked to a dozen or more times. A little while ago, I telephoned Nationstar Mortgage 3 different times. The first time, I was lied to. The second time, it hung up the phone. The third time, Nationstar put me on hold while it refused to allow me to speak to a supervisor. The first time I spoke to Nationstar, I was told by its representative that she would email me a copy of the property survey it had. However, she lied and did not send it. Instead she sent a copy of an old appraisal with no survey included or attached. The second time I called Nationstar, I asked to speak to a supervisor. The person I spoke to refused to transfer me to a supervisor and talked incessantly without transferring me. Eventually, the call was disconnected by Nationstar. The third time I called Nationstar, I again asked to speak to a supervisor. The representative refused to transfer me to a supervisor and also talked incessantly while refusing to transfer me to a supervisor. I hung up the phone since I called from work and it was clear that Nationstar would not allow me to speak to a supervisor. Among other things, to stall for time, Nationstar kept asking me to repeat why I wanted to speak to a supervisor. Although I answered this question in each of the 2 phone calls in which I asked for a supervisor, they then wanted to chat some more, asked more questions and generally dissembled and refused to transfer me to a supervisor. I need the survey to make timely repairs to the house. It is required to get a building permit. Please make Nationstar email me a copy of the survey as it originally said that it had. Please also sanction it for lying, wasting time, dissembling, causing unnecessary expenses, and not allowing me to speak to a supervisor when I asked repeatedly for one in two different telephone calls to it.

Company response to consumer: Closed with explanation