milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
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: Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Trans Union numerous request to investigate and correct accounts in my credit report that are reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Late fee

Complaint: Amazon Chase Visa. Missed XX/XX/XXXX bill cycle $ XXXX payment by 1 day. Note I did pay over $ XXXX - total bill was $ XXXX. ~ {$130.00} finance charge. I accept. 

XX/XX/XXXX billing cycle, paid in full. {$180.00} finance charge. 

Contact Chase who explain when card not paid in full interest accrues on every purchase until two billing cycles paid on time. Refused to refund the finance charge. 

This means missing a $ XXXX payment by one day will likely cost me {$500.00} in finance charges. 

The notion that burying something like this in a T & Cs is unethical behavior. Consumers do n't have another credit or debit line typically to shift expense when this happens. And the credit card company does not provide notice they are taking this action when it occurs. 

Request is seeking penalties against the credit card industry for such practices, demanding a disclosure similar to a mortgage that makes clear their intended bad behavior if they want to continue such practices, and a refund for consumers impacted by this type of usury. 

For me, this is not a significant loss. But clearly this is an industry practice rooted solely in greed. As a customer for years of this particular credit card I am deeply angered by the treatment I received and that this is done in such a nonchalant fashion. The impact to lower earners must be profound where this type of agreement is really structured like some sort of bear trap waiting to be triggered. 

Given the bad behavior of the finance industry, and the mandate of the CFPB to protect consumers from such behavior, I hope the CFPB will take upon themselves to make this a wide ranging look at the practice. And do something to make it transparent or end it altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to obtain a copy of my free credit report online from XXXX and Experian in XXXX 2017. I was instructed by the two companies to complete a form and the credit file would be released. I followed the instruction and both companies have n't honored my request. 

XXXX wants to charge me {$11.00} to get a free annual credit report. Experian stated they were n't able to honor my request because I did n't provide sufficient identification information to verify my identity or the information provided was n't legible. I disagreed with Experian. I provided the information ( electric bill ) that was request. 

It would be greatly appreciated if you could assist me with obtaining a free credit report form both companies.

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 11-02-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

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 12-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a Promotional mailing from Synchrony Financial for my Synchrony Home credit card stating that I would earn {$150.00} cash back on a purchase of {$1400.00} or more with my Home Credit Card on purchases made before XXXX XXXX, XXXX. I made such a purchase at XXXX XXXX XXXX for furniture in the amount of {$1800.00} on XXXX XXXX, XXXX. When I contacted Synchrony in XXXX about the promotional credit I was informed by them that they " posted '' my purchase on XXXX XXXX, XXXX, ( one day after promotional ended of course ) and therefore I am not eligible for the {$150.00} credit. Purely fraudulent in my view.

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 10/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (CA).
Issue: Loan payment wasn't credited to your account

Complaint: I have been a customer with XXXX XXXX for close to a year. I have always had scheduled payments on time. I took out a loan in XXXX XXXX in the amount of {$800.00} with my first payment being on XXXX/XXXX/XXXX of {$210.00}, since then I have been making payments via checking account of {$210.00} every 2 weeks. I recently had a schedule payment on XXXX/XXXX/XXXX in the amount of {$210.00} in which I expected to be withdrawn as agreed but did not. XXXX XXXX had authorization to withdraw on that day and it did n't happen. The money was available on the account as it was not in negative status. I did not get any insufficient funds notice from my bank and did n't know the money was not withdrawn until the following day when I received an email from XXXX XXXX to call immediately because my payment is past due in the amount of {$840.00}. My initial loan was {$800.00} and I have already made 5 on time payments. I called immediately in which the recording continue to say " all agents are busy assisting other customers '' I called all day and would continue to get the recording and not a live person. In one of the emails sent It mentioned to reply to the email in which I did reply but did n't get any response just a repeated pre typed email. I feel like this is a scam and tactic in getting more money.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/2017 I have attempted to contact Transunion multiple times. I have spoken to two different supervisors both named XXXX and XXXX. I mentioned that I would be willing to provide the needed information in order to resolve this huge issue. I also explained that I understood my rights as a consumer and legally transunion was suppose to send out a 5-day prior letter stating this the information ( inquires ) originally deleted due to glitches on two different occassions, were now going to be re-added. However they failed to do that. Out of the three credit beauras this is the one that has left a bad experience and have failed to assist with proper information. And as far as a resolution, I am requesting that all of my Hard Inquires be removed from my credit report

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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Pro Collect listed fees as debt for an apartment that was vacated. This apartment complex was paid in full at the time of the lease termination. We have repeatedly advised them that this debt is incorrect and we have been provided no right to dispute nor have we been provided with the original debtor 's information, which we need becuase they sold the complex. We have receipts showing where the debt was paid and Pro collect will not provide us with any information so we can dispute. The manager refused to send me a copy of the notice stating he already sent it once to the wrong address and he declared he does n't have to do it again and said he did n't care about our credit or if we paid the 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 02-09-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX 2015To : XXXX/Wells Fargo Home Mortgage XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Case # XXXX, Loan Number XXXXVIOLATION OF PREDATORY LENDING1.Failure to present the loan Rate as first Negotiated by your ServicingAgent. 

2. Loan " flipping '' - frequent refinancings that result in little or noeconomic benefit to the borrower and are undertaken with the primary orsole objective of generating additional loan fees, prepayment penalties, and fees from the financing of credit-related products ; 3.Refinancings of special subsidized mortgages that result in the loss ofbeneficial loan terms ; 4.Using loan terms or structures - such as negative amortization - to makeit more difficult or impossible for borrowers to reduce or repay theirindebtedness ; 5.Using balloon payments to conceal the true burden of the financing andto force borrowers into costly refinancing transactions or foreclosures ; 6.Targeting inappropriate or excessively expensive credit products toolder borrowers, to persons who are not financially sophisticated or whomay be otherwise vulnerable to abusive practices, and to persons who couldqualify for mainstream credit products and terms ; 7.Inadequate disclosure of the true costs, risks and, where necessary, appropriateness to the borrower of loan transactions ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I been paying a Home depot credit card for more than a year but I owe more than what I suppossed to. I stop using the credit card on XXXX 2014 and I owed XXXX. I paid for a year and I owe XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had submitted documents to Equifax pertaining to an account that had been shown to be antedating to reflect a different first date of delinquency. The account from XXXX is past more than 7 years from the first date of delinquency and Equifax would not correct or did n't perform an adequate investigation from the furnisher who submitted the account to collection not XXXX. The information provided was directly from the furnisher to illustrate the antedate of the account. I would like this to be deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Medical) with HOVG, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me XXXX times in a matter of XXXX hours over a balance of {$490.00}. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 around XXXX, I went to the bank CHASE with branch in XXXX XXXX XXXX NJ, with my daughter to deposit {$200.00} dollars in cash. The bills I deposited were XXXX XXXX XXXX {$100.00} bills -each. After I deposited the money, the ATM machine malfunction and told me it was having technical difficulties, and it printed a receipt saying " that the ATM was having technical difficulties ''. After we stayed outside of the bank for XXXX minutes wishing that the money will come out, it never did and that 's when I called the claims department and they told me that this was going to take about 10 days for them to investigate the irregularity. I provided them with my email address and mailing address to receive news about my money, which I did n't receive any notification, until I called after the 10 days on XXXX XXXX, 2015. The customer service representative that I called informed me that there was nothing I could do since the claim was already closed and the investigation concluded that no money was found in the ATM. I tried opening a XXXX claim to find out what happened to the money I deposited in the ATM, but the Chase customer service representative did not allow me to, saying that there was nothing I could do anymore. I then went back to the XXXX XXXX CHASE branch on XXXX XXXX, 2015, to speak with the branch manager about my situation but he was not there, so I came back on XXXX 2015 to speak with him with the help of my daughter who was with me on the day I deposited the money and my son. The branch manager told me that he was going to follow procedure but most likely the result would be the same that my money would not be found. 
I did mentioned that it came to my attention thanks to a CHASE bank taller that the ATM machine I used on that day malfunctions constantly and the bank has not done anything to replace such machine. I am very upset that in order for CHASE to check security surveillance and other possible ways of find out the truth, they refuse to use those ways. I am hopeless to get my money as I live paycheck by paycheck and I have bills to pay, I lost XXXX XXXX dollars and CHASE is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation