milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I paid in full BOTH of my XXXX XXXX XXXX cards, at the SAME TIME years ago. This was to close both accounts after they allowed someine else to fraudulently change my address, refused to give me access back into my account, and then tacked on late fees when I could not recieve or access my bills. I had moved to the XXXX and someone contacted them and sent my account to a random POBox! I even spoke to them on the phone after the PIF to close because they kept trying to send me small bills with " fees '' after the PIF that were " processing fees ''. These " fees '' piggy backed off of eachother and I had enough. Here I am years later and 1 card is still showing a charged off balance, not a paid in full. Now, they have placed this as an existing line of credit being utilized and is impacting my credit score! They even hit me with a " late payment '' last month. Late payment for what?! I do n't have an account! I make every payment on time, this is crazy! They also only reported it to 1 of the 3 credit reporting companies when they did this new fraudulent move.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
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 12-08-2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (AZ).
Issue: Managing the loan or lease

Complaint: This is in regards to Citizens One, and the XXXX which they service. On XX/XX/2016 I purchased an XXXX online for pickup in store, and when I got there, an issue with XXXX 's systems required us to cancel that order ( and the associated loan ) and redo the order ( resulting in a XXXX loan ). The pending charges for sales tax and first month 's payment for the first loan were never settled, and fell off of my credit card as expected. However, a month later Citizens One double charged my credit card. I contacted them and they claimed the first loan was still open, and told me they could n't do anything. I had to work with XXXX to get the correct information sent to Citizens One to close out the loan and refund my money. I received a confirmation email from Citizens One on XX/XX/2016 which stated " Dear XXXX XXXX, We were recently notified that you returned your XXXX order. Your loan number XXXX is now paid in full and has been closed. 
Any payments you have made to your loan will be refunded to the credit card or checking/savings account you have set up for your recurring monthly payments. Please allow XXXX business days for these payments to be returned. '' Since it 's been XXXX business days I called them, and they 're now telling me that it 's going to be up to XXXX business days before they refund the money. I complained, since I have a commitment in writing, and XXXX days is a ridiculous amount of time to process a credit card charge reversal. They told me that it was a generic email that gets sent out to everyone that closes the loan early. They could not/would not answer why it says XXXX business days if they really mean XXXX business days. After asking to be transferred to someone that could do something about it, she transferred me to XXXX, who said he 'd put in a request to expedite the refund. But they would not give me a reference number, send me an email confirming this, or do anything that will provide me with evidence of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: RUSHCARD : I have been unable to access my funds for 2 days. A deposit that was supposed to be made, has n't. I am in dire need of my own money that I work very hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In the summer 2016 XXXX XXXX closed it 's doors while I was going to school. I had gotten student loans from XXXX XXXX and was told because the school closed those loans would be discharged. I followed XXXX XXXX 's instruction and was denied. They told me i was denied because the loans were in use with another school, XXXX XXXX XXXX XXXX, the school I go to now. However, because XXXX lost its accreditation no school i found will take XXXX credits including XXXX. They first claimed the loans were knew and only for XXXX however I got the loans three months before I even enrolled in XXXX. They said they made a mistake and told me to resubmit my paperwork and they 'll take care of it. Something I sent along with my forms were documents from XXXX that they did not receive XXXX transcripts and if they did n't they would n't be able to use them because of loss of accreditation. This was about 4 months ago and I still have heard nothing from XXXX XXXX and after checking my account the balance is still there. This process has been nearly a year. I feel like I 'm being scammed by XXXX XXXX, should this take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar Mortgage. I have been paying my mortgage balance every month. However, during last three months, the entire payment was posted to Escrow balance linked to my mortgage account twice. This resulted in getting several notices from the Mortgage company that I may lose my home due to non payment. This is very frustrating to deal with them over the phone with long wait times and had to email the mortgage company. However, by the time they waive late fees and apply payments correctly in subsequent months, it has already impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting a Foreclosed mortgage. The property was foreclosed on and sold XXXX XXXX, XXXX ( see attached ). Therefore the Date of First Delinquency was no later than XXXX XXXX. This is reporting past the Federal Statute of Limitations in violation of The Fair Credit Reporting Act. The other XXXX bureaus have removed this. Experian needs to abide by the law as well.

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 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I made a purchase for XXXX XXXX once with bank account which takes 5 to 7 days to clear the second charge for XXXX XXXX using my debit card linked to the same bank account the first one ended up being a NSF and coinbase credited my account anyways. so I spent both of the XXXX XXXX I purchased and only paid for 1. Ok so now coinbase disables my only options to pay this back I can not buy, sell, or withdraw. meanwhile they accept payment addressed to me and hold it for ransom. they have a support request that goes unanswered they have a support number which basically is someone who can do nothing but say they are sending your case to a specialist while holding your money in limbo. I want my money back asap they can take what I owe just give me my money .Attached are photos XXXXXXXXXXXX in reference to Case # XXXX =

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (OR).
Issue: Adding money

Complaint: I bought a reloadit pack from Blackhawk network. I am trying to add {$500.00} from their website to XXXX of my netspend cards and both cards are coming up restricted on their end. I have a total of {$1500.00} worth of reloadit cards that I need to use to put money on my netspend card. Both companies are saying it 's the other. I just need this figures out I leave for a vacation at the end of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Summary : We went to Citizens ' Bank for a mortgage to buy our first home. The Mortgage Loan Officer initially promised us a 4 % mortgage rate. After we agreed to it, he later said the best he could get was a 4.125 % rate and that he would lock us in at that rate. After that, less than 4 weeks before the closing date, he said that he had not locked us in at 4.125 % and that he could only get us a 4.25 % rate.
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This was a bait-and-switch, as he twice clearly promised us a lower rate only to re-neg on it as we got closer to the closing date of the home purchase.
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Chain of events ( all dates in 2017 ) :  XX/XX/XXXX  - My wife and I get a pre-approval from a Citizens ' Bank Mortgage Loan Officer ( MLO ) to make an offer to purchase a home. The pre-approval rate is 4.125 %, but the officer says he is sure he can get us 4 %.
3/6 - Our offer is accepted.
 XX/XX/XXXX  - We send the MLO all requested documents to process the loan.
 XX/XX/XXXX  - MLO calls and informs me that he could not get the 4 % rate he said he was sure he could get, and that he could get us a 4.125 % rate with some lender credits to make up some of the difference. We decide to continue with the mortgage process. XX/XX/XXXX  - Bank sends us a letter stating that our rate will be 4.25 %. I emailed the MLO to ask what happened, as he had previously said he had locked us in at 4.125 %. He said that he had been unable to get the 4.125 % with my credit history ( which is excellent, my credit score is 750+ ).
 XX/XX/XXXX  - MLO asked for my wife 's credit history to see if that would get us the lower rate. He later emailed saying that her credit history would definitely get us the 4.125 % mortgage.
- This should n't have been necessary, as he told us that he had locked us at 4.125 % without my wife 's credit history, but we continued because the closing date (  XX/XX/XXXX  ) was approaching soon and we did n't want to switch banks.
 XX/XX/XXXX  - Over email, MLO again confirms that we would be getting the 4.125 % rate.
 XX/XX/XXXX  - MLO asks me to change my wife 's status on our credit card from " Authorized '' to " Joint ''.
 XX/XX/XXXX  - MLO asks for my wife 's   XXXX   and  XXXX  W2s. We provide them.
 XX/XX/XXXX  - MLO emails and says that he was unable to get the 4.125 % rate that he had promised and that we would have to take a 4.25 % rate. The closing date was scheduled for  XX/XX/XXXX , so this was just under 4 weeks before the closing date.
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After this, I complained to the branch manager, asked the seller to move the closing date back and began negotiating with other banks. Based on the above chain of events, I did not trust the Citizens MLO to accurately give me a loan rate, and we finished the mortgage with a different bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Medical) with I.C. System, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by I.C. Systems Inc around XX/XX/XXXX about a XX/XX/XXXX medical debt. I have not not heard about this debt so I wrote I.C. systems a certified letter requesting additional information and asking them to verify the debt. I have not received any responses, but instead, have received another collection letter threatening to escalate the issue to their attorney for not attempting to pay or resolve the issue, which is a lie. Today, I sent 2 more certified letters, one to their XXXX XXXX and another to their physical address. And, they reported this debt to the credit bureaus incorrectly showing a Date of Delinquency of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit report shows that I am responsible for a debt of {$1800.00} for an XXXX from XXXX XXXX XXXX in XXXX, NJ from XXXX. This amount was already paid by my insurance company, XXXX, and I paid the co-pay. There is NO outstanding balance on the account. REMEX is the collection agency that has reported the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I filed disputes with Equifax on XXXX XXXX,2017. They sent me emails that confirmations XXXX and XXXX were ready for me to retrieve them on X/XX/2017 and X/XX/2017. However, every time I go to their website to retrieve the results I am not able to access them because their website has been down for weeks now. I 've even called them a few times about this and every time I call they say the some thing. They say they are doing maintenance on the website and it should be back up within 48 hours. They 've been telling me that now for weeks. As of this morning it is still down.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: IHAVE MUTIPLE I NQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT TRANSUNION,  XXXX ,  XXXX  FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

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 08/29/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX I sent TransUnion letters along with proofs of identification ( drivers license and social security card ). I disputed three account listed on my credit report ( XXXX, XXXX XXXX, XXXX XXXX ). I received a letter dated XXXX XXXX, stating that I need to send verification of my date of birth in prefer to have my date of birth year update from XX/XX/XXXX to XX/XX/XXXX. But my identification was included with the paperwork I sent in. Therefore, I contacted them today. I spoke with customer agent XXXX XXXX who informed me that nothing is in dispute or investigation and that my paperwork has been received. Then I spoke with supervisor XXXX XXXX who says he just updated my date of birth himself. I continue to question him as to why nothing was done regarding the disputes, inquiry removals, and update information that I requested in the paperwork. He could not tell me. I asked that they validate and verify the three accounts and if they could not send me the proof of how they validated and verified the information regarding each of the three accounts that I ASK THE THEM TO DELETE THEM AS THEY ARE NOT VERIFIED NOR VALIDATED CORRECTLY. As of today nothing has happened on there end at all and it has been over 5 days since they received my paperwork as they only require 5 days to process paperwork, as supervisor XXXX XXXX informed me.

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 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt )

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 12/18/2017 about Debt collection (I do not know) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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