milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have tried SEVERAL times to cancel my account which is automatically charged to my credit card at {$24.00} a month. You can not cancel online and they will not answer the phone of you select cancel through the automated system over the phone. Hold times are often over an hour and sometimes several. I am yet to get them to answer at all. I'm canceling my credit card as this is the ONLY way I can get the charges to stop. This can not be legal.

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 05/20/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received 20 notifications from my Equifax membership I pay for monthly. I then received many notifications from another credit monitoring system XXXX. These notifications were in regards to all of my XXXX accounts. Every single one of them. It stated Comments on your account changed from Charge, Amount in XXXX column is credit limit to Consumer disputes - reinvestigation in process This is what was written on ALL of my XXXX accounts. I called and spoke to an Equifax representative who said she did not see any open disputes from me, because I have never disputed any of my XXXX accounts. Theyre all current and in good standings - so I have absolutely no reason to dispute them. She assured me she would fix this and said it was an error on their end. After I spoke to the representative, I received email notifications from XXXX XXXX  stating all of my accounts from equifax have been removed! Over 20 accounts were removed! I immediately called XXXX to make sure all my accounts were fine. They had put a fraud block on all of my accounts because they said Equifax contacted them stating I reported fraud on all my accounts. I never ever reported fraud on these accounts! There was no disputes the Equifax rep could even find showing this. Luckily, XXXX was able to lift my block on all my accounts. Today, XX/XX/XXXX, I went onto my Equifax membership and got a new report and all of my accounts from XXXX are removed. My score has dropped tremendously. I am so upset regarding this!! My score dropped many points due to this ridiculous error on XXXX part. I have worked extremely hard on my credit and for them to completely ruin it by removing over 20 accounts, falsely reporting to the creditors claiming I said it was fraud, all of this is in violation. On top of this all, the continue to ignore my inquiries removal requests for the legitimate fraudulent inquiries. I want this fixed! I want my credit report fixed. You literally destroyed my entire Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank Home Mortgage is attempting to foreclose on my home for payments that I 've already made to them and have sent them proof that the payments have been made. I 've been battling this for 5 months and all they can say is " we 're still researching the 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 non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2015 about Student loan (Non-federal student loan) with Genesis Lending (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

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 09-09-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I disputed a loan that was appearing on my Credit History with Capital One Auto Finance. Initially, the Fraud Claim Questionnaire was sent to the wrong address despite my correct address being perfectly clear on the correspondence I sent to COAF in XXXX, 2015. After repeated attempts to reach COAF over the phone I was able to get COAF to send the Fraud Questionnaire to the correct address. I sent in ALL of the requested documentation along with the Fraud Questionnaire, which included a Police Report from XXXX County Florida, and my Drive 's License as requested by COAF 's instructions on the Fraud Questionnaire. I did NOT apply, open, or benefit from this account, nor did I authorize anyone to do so on my behalf. Whoever opened it did so illegally, fraudulently using my personal information and most certainly without my knowledge or authorization. 
Despite all of this COAF refuses to remove the Fraudulent Account from my Credit History claiming I sent a report from " XXXX COUNTY '', Fl. which is almost XXXX hours away from where I reside and got the Police Report in XXXX County., Fl . They are also indicating on my Credit History that payments were made to the account, they were not. I 've never had an account with Capital One Auto Finance, and I 've never made payments to the account I am disputing. Capital One refuses remove the account gain, claiming the Police Report from " XXXX COUNTY '' was " misrepresented '', again, the Police Report that was sent to " Capital One Auto Finance '' was from " XXXX COUNTY '', NOT " XXXX COUNTY ''. 
It upsets me the carelessness of this whole process, sending sensitive material to an address I wo n't even reside at. This despite the correct address being clearly shown on the written correspondence sent to COAF in XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and Trans Union ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital One now requires login with personal information including social security number. 

This is an extraordinarily bad idea. 

Anyone could set up a similar site and grab personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Grant and Weber has failed to validate this debt after requesting them to do so in writing through certified mail. they 've placed on my credit report. the amount is reporting as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX ACCOUNTS ON THE EQUIFAX REPORTING TO MY KNOWLEDGE ARE NOT MINE AND I NEVER HAD THESE XXXX ACCOUNTS, I HAVE DISPUTED THESE ITEMS FOR SEVEN TIMES BUT I STILL HAVE NOT RESOLVE THIS ISSUE, AS WELL AS MY INFORMATION DOES NOT REPORT OR GETS UPDATED ON THE WEBSITE WHICH I USE, EQUIFAX IS NOT TRYING TO HELP IN THIS MATTER, PLEASE HELP ME IN THIS MATTER. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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: Old information reappears or never goes away

Complaint: There is an XXXX XXXX account. I asked the account to be verified and sent verification letters to the Bureau. XXXX XXXX was not able to verify the account. I checked my credit report this morning and XXXX reinserted the account back onto my credit report. I did n't receive any notification that this account was added back. According to my rights I have to be notified in a XXXX day period. When I asked for the account to be verified, XXXX was n't able to prove verification. That burden of proof is on them, not me. This account was taken care of XXXX  months ago. If you look at my credit file you 'll see this account was removed. This is misrepresenting my credit worthiness and my process of having a home loan. The last thing I want to do is file legal action. I am completely in my right to do so. I would just like to have this account deleted. Thank you!

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 11-10-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: Hi, I would like to dispute a overcharged that SPIRIT_Bank of America ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Bank of America claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Problem with fraud alerts or security freezes

Complaint: I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the Equifax data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Other

Complaint: There is a hard credit inquiry on my XXXX credit report from Continental Finance Company of XXXX, DE. I did not authorize that inquiry. I have no accounts with Continental Finance Company of XXXX, DE, and I never applied for any accounts with them. When I attempted to inform them of this error, they told me to " get a police report '' ( they never even asked me my name ). Continental is an unprofessional company. The hard inquiry was made on XXXX XXXX, 2015, exactly one day before I filed for Chapter XXXX bankruptcy. They need to remove that inquiry from my XXXX report ( I have already contacted XXXX regarding this ) posthaste.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with Receivables Management Partners, LLC (IL).
Issue: Problems caused by my funds being low

Complaint: Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Home Depot credit card, the problem I have is, that they have not send me any statements. I offered them to pay everything of except the interest, but it seems that are really interested in collecting some interest also. I always made my payments on time, until they load up my account with a bunch of interest, I talked to them trying to pay everything off except interest and its a No.

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 07/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion reports XXXX account incorrectly. Account status is PAID IN FULL. They report it as collection/charge off. The account is paid in full. That is the CURRENT STATUS, and the current status is what is required to be reported by the Fair Credit Reporting Act. The 24 Month payment history should show NR, as in no report, as the account was closed in XX/XX/XXXX, there was no reporting from XX/XX/XXXX until XX/XX/XXXX. It was disputed, and was paid in full in XX/XX/XXXX. The reporting should show 3 months of late payments, and then a charge off XX/XX/XXXX, then it was closed, it should show NR, until XX/XX/XXXX when it should show pays as agreed, then should show NR for XX/XX/XXXX and after that. Balance should be {$0.00}, actual payment amount should be {$1000.00}. The report should show charge off amount of {$410.00}. Date closed should be XX/XX/XXXX, as they re-opened the account to accept full payment, and XXXX agreed at that time to report the account as paid in full, in exchange for the disputed payment in full of {$1000.00}. Comments should read Paid in Full after disputed charge off, the account reporting is still under dispute. 
XXXX promised the consumer to show the account as PAID IN FULL STATUS when they accepted the disputed amount in XX/XX/XXXX. Please correct this reporting.

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 08/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: Dear sir or madam As of XXXX I wanted to refinance for a lower interst rate but I was denied this privilege and I was offered a loan modification in XXXX as the only response to put my monthly mortgage lower, since it was hard for my family to keep up with the payment. I have never miss a payment. 
In XXXX, I decided to refinance to be able to finish to pay in 15 years and lower my interst rate. It was denied many times. I reapplied with my wife XXXX and it went through. in the process of closing my mortgage refinancing that I have started with Bank of America, the bank that managed my mortgage since XXXX. After setting a closing date, bank America was asking me to pay about {$10.00} within 2 hours to be able to close. I did not have that money and still wanted to lower the interest rate that is toxic for my finances. They cancelled the closing. 
I was told this money is a retention from the HUD from XXXX the transaction became official in XXXX as per HUD paper. I can say from XXXX to XXXX I never paid late in fact if you look at my payment history I paid 3 months in advance to catch up. I do not receive a deduction toward my principal for paying several months early. 
Dear secretary of HUD, I will welcome any measures that will allow me to lower my interst and prevent insolvency.

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 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For most of my life, i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and negative source who is saying. And to keep responses and when it was sent.

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