milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: See attached docs. ChexSystem has listed several former addresses ( and wrong addresses ) for me simultaneously going back over 25 years. Neither have they given details of several, misinformation reports to my file so that I can correct them. 
This has prevented me from opening a checking account as XXXX banks andXXXX lending institutions report that they " can not verify my ID. " XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company, MEDICAL DATA SYSTEMS INC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on 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 04-03-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. ().
Issue: Using a debit or ATM card

Complaint: I am an international customer of Citi and have both a Day to Day Savings account and a Basic Checking account for which I had online access till the end of XX/XX/XXXX year. During XX/XX/XXXX I lost the ATM card ( Citicard ) and since the end of XX/XX/XXXX it is not posible to login online without the Citicard number so I requested Citicard replacements several times, however I never received any of them. In XX/XX/XXXX, branch manager XXXX XXXX stated she mailed me a replacement Citicard but never got it. Later, at the end of XX/XX/XXXX year I asked again a replacement Citicard via the Call Center ( answered from The XXXX ) and I did not either receive it. Then I controlled that my international mailing address was correct and in theory the Citicard was mailed to my mailing address on file with Citi. It is to point out that the ATM/debit card or Citicard has to be issued and mailed free of charge to customers and all times was ensured it had no cost or fee. My Citi branch is the one located at XXXX, NY XXXX and this submission is a help request to Citi more than a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Transaction issue

Complaint: Purchased goods at Sam 's Club ( Walmart ) on XX/XX/2015 for {$100.00}. It was posted to the Sam 's Club Mastercard the same day. I returned goods totaling {$83.00} onXX/XX/2015. The credit has not posted as of XX/XX/2015. Given it is Friday it wo n't post until next week. The store Manager does not have access to the information but suggests it may take 1-2 weeks to post. By delaying the posting of the credit to my account and thousands, perhaps XXXX of customers, Walmart 's is enjoying XXXX of dollars in " UNDUE ENRICHMENT '' for using someone else 's money. This is unethical, if not illegal, behavior. Consumers are being victimized in several ways : ** Excessive interest charges caused by the delayed posting, most cards charge interest based average balances. Credits are not back dated to day of purchase. 
** Loss of available credit under the line ** Overstates customer 's account balances to credit reporting companies which may adversely impact their credit score

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX  2017 I transferred funds ( est 1030 ) from my dash wallet in XXXX to my bth wallet in Coinbase, funds still not showing up in my Coinbase Wallet neither pending or in process, there is more then 5000 confirmations on XXXX and I can see transaction is credited to Coinbase address on my XXXX  statement. Over the month I was writing emails on opening ticket, to Coinbase support but nobody answers and there is basically completely ignored, they not answering on socials ( XXXX etc ) I have send more then 10 emails on my open ticket during this month but there is complet silence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: I have attempted twice to dispute a reoccurring charge with Capital One.. on both occasions I filled out all of the required paperwork, faxed it in within a few days and each time I call to follow-up I am told my information was not received. I have proof that the fax went through. This is a classic case of the credit card company not wanting to investigate the case and just dismiss the consumer. Terrible customer service! I have been trying to dispute this charge with Capital One since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Roomate took personal id information and submitted online application to American Express ( AMEX ) for credit card. Roomate included his name as an associate account holder-but I was the primary account holder. Roomate is young and thought he was helping his cause of improving his credit rating. Roomate accrued {$8000.00} and has made monthly payments on the account. He has placed money in my checking account and submitted payment through my bank checking. I have been in contact with AMEX on numerous occasions and they always assured they would proceed with Fraud Claim upon my decision. I did not sign nor apply for this account. I believe that the issue should be between my roommate and AMEX. Not me. The young man is making the payments and I would like for the account to placed in his name not mine. If this means, AMEX needs to proceed with Fraud -- then it is their decision to proceed with the roommate. AMEX promised upon each conversation they would proceed with Fraud. I would like for AMEX to proceed with this account and the young man and stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Debt collection (Credit card) with GMA Investments, LLC (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I spoke with representative XXXX XXXX at Summit Receivables and he was very unprofessional. I called 2 weeks XX/XX/XXXX to stop all payments on my account. He was very aggressive and demanding. He kept telling me to provide my checking account and routing numbers. He said he 'll remove all payments. On XX/XX/XXXX a payment for {$37.00} was processed in which it should n't have. It was n't even an original pay fate that I set up. I contacted the company on Monday XX/XX/XXXX and explained I would like a verbal cease and desist and informed I 'll send in a written notice as well. I understand that I owe a debt and responsible for repayment. I was willing to pay off at payments that were within my budget. They did n't understand and wanted to dictate terms. If I was able to do the bigger payments I would have done that before the account charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX has breached XXXX remod loans the XXXX accepting my payments for 6 months on the XXXX then stating they had no record of my trial on file placing me in foreclosure I hired an attorney to later get another remod in place after my XXXX payment they did the same all payments were made in person at a XXXX XXXX XXXX branch on the XXXX payment the teller would not accept my payment stating the system showed a different amount due I showed my paperwork indicating my amount due I tried contacting them to be told in XX/XX/XXXX my loan was sold to another company I had to wait for a new loan number and contact package. When received was told I was in foreclosure I hired another attorney to help only now to be told the new company will not work with me and will lose my home of 22 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 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: Account status incorrect

Complaint: 1. TransUnion shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. TransUnion, XXXX and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX balance. This is false information 3. XXXX XXXX  was settled and paid in full, Trans Union continues to show a balance owed on XXXX XXXX XXXX This is false information 4. Bankruptcy reporting, TranUnion, XXXX  and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.

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 05-05-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CT).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: TD Credit/  XXXX   XXXX    cancelled my credit without a call or anything. Then I paid what I owed them to attempt reinstatement and they declined to tell me why it was declined. These people need to be shut down these people destroyed my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2016 about Student loan (Federal student loan servicing) with Xtreme Products LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I would like to ask you what are the options or steps that I could do to get results from the a company that supposedly reduced or eliminated the interest fees and charges of my student loan. 
I enrolled in their program in good faith XX/XX/2015, the asking fee were automatically debited from my account and yet they did not deliver the results they promised. My loan was just being deferred and interest charges are soaring. 
I have not received any payment booklet as well. XXXX representatives handled my account yet no results was granted. Now it is being handled by the director but all she has given me is a round around. The person 's name and company name is : XXXX XXXX XXXX Director of Operations Emerg : XXXX XXXX XXXX USA STUDENT LOANS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Ph : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: equifax is refusing to produce the proof of dispute verification. they continually stall and will not produce it for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: My previous Complaints with Nationstar have not been resolved. NS obstructed a refi loan that would have paid them in full. NS has illegally increased the prin. bal due on the loan, and has violated Fed and Nv. State laws. NS has not and can not prove the legal owner/ investor in the XXXX XXXX, nor can NS prove it has the legal right to service the loan. No assignments of the loan have ever been recorded in XXXX Co. Nv. The XXXX assertion of transfers have not been substantiated, and XXXX has refused to answer specific questions as to who authorized them to change their entries as to investor/ servicer. No Fed or State agency will take jurisdiction over NS 's misconduct and the numerous accounting ( documented ) errors.I have tried for years now to resolve the multiple issues, and have prepared a Complaint ag. NS to be filed in Fed. Crt. if  necessary. Hopefully the New CFPB will investigate NS again, and not just fine them but force them to resolve consumer Complaints ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've disputed with them over and over that I WAS NEVER LATE with XXXX XXXX XXXX Credit Card. All three bureaus stated the account was verified with no proof. My account is paid on time or ahead of time and paid in full most of the time or min payments and my account is on AUTOPAY. They will not remove the late payments from my 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 04-11-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! 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 07-10-2017 about Student loan (Private student loan) with SLM CORPORATION (NV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with Professional Finance Company, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Have no idea what this debt is and was never notified of any debt or collections..my credit was at XXXX XXXX weeks ago. Please help if possible

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