milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform 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 10-10-2015 about Debt collection (I do not know) with Williams & Fudge, Inc (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not sure if I have this marked under the correct section. Here is the issue. I checked my credit score last week and seen this XXXX had put something on my credit report. The issue I have is they reported it 2 times on my credit report which dropped my credit score greatly and now I am having trouble getting credit I needed. I called them and they acknowledged in error they put it on there 2 times it should of been removed immediatly in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CITIBANK, N.A. (NE).
Issue: Credit line increase/decrease

Complaint: On XX/XX/2016, I made a {$420.00} payment. This would have left me with {$560.00} credit available to use on this card. I planned on using this card or about $ XXXX of it for a trip we are taking. On XXXX, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit {$500.00} leaving me on {$69.00} available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten ALL my credit cards, I have paid early in fact. It 's just strange that I 've had this card for a while now and have been making payments twice a month to it and then all of a sudden after a bigger payment, they just drop me. I lost XXXX and a trip with that happening and they were just awful to talk to on the phone. The reason I paid so much is that this is a cash back card and I was trying to earn extra money by paying off a chunk then using it again and so on. It 's almost like they did n't want to have to pay that cash back so why not just drop them down so that they ca n't earn anymore. I now learned do n't trust your credit cards and just use your bank account or cash anymore. I wo n't ever be paying that large of an amount unless I 'm paying off the card to close the account. This is horrible as I have been a great customer paying every 2 weeks on this almost since the day I got it.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I reviewed my credit with a Agency and XXXX XXXX is not providing the accurate scores and correct information from Transunion, XXXX as I review my credit score with a agency. My credit scores with a Financial Institution lender it reads as follow withTransunion XXXX, XXXX XXXX and XXXX XXXX. XXXX displays Transunion XXXX and XXXX XXXX it does n't display XXXX. XXXX XXXX is misleading Consumers and our Military Veterans on credit scores and credit accuracies I have a free membership with XXXX XXXX. I am providing my XXXX XXXX information to Federal Government for evidence. My Log id XXXXXXXXXXXX Password XXXX XXXX XXXX credit scores and information are misleading.My credit score of XXXX is way of XXXX is misleading.Also I was mislead on credit card referral as XXXX XXXX states that my credit scores was good to get a XXXX XXXX credit card and when I applied I was denied and declined by XXXX XXXX Credit Card.

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 12-02-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Mortgage debt) with Shellpoint Partners, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, Included in this complaint are two escrow statements I have received from XXXX XXXX XXXX. Although taken from consecutive months, there is clearly a discrepancy of {$1100.00}. 

There may be a reasonable response to this, however, I have been unable to receive any response on this matter from XXXX XXXX. I first contacted them about it on XXXX XXXX ( through e-mail ). I have sent them multiple e-mail requests since then but have received no response concerning the discrepancy. I have, however received one " read receipt '' from an e-mail I sent on XXXX XXXX indicating that the e-mail was read on XXXX XXXX. Despite requesting read receipts on previous e-mails, I received no indication that any of my other requests ( before or after ) concerning this matter were even read. 

Thank you for your assistance in this matter. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a credit inquiry on my credit file that I did not authorized from XXXX XXXX XXXX XXXX dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX I went XXXX XXXX and applied online. I look it XXXX XXXX and tried send Credit Union and you could not send it XX/XX/XXXX at XXXX XXXX. So Saturday, XX/XX/XXXX I tried it again and I could not again. So I want too XXXX XXXX XX/XX/XXXX XXXX XXXX, Account Credit Union XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, Tx XXXX and Social Security number XXXX. I apply XXXX XXXX XXXX {$19000.00} and gave them $ XXXX {$14000.00} total. I apply of 3, so I took XXXX XXXX   Account # XXXX, Sun Trust Bank. It took them 2 hour and not able approve XXXX, Tx. Credit went down XXXX XXXX and 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 10/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit determination

Complaint: I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.

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 08/23/2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Shopping for a loan or lease

Complaint: QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Case number : XXXX. 
I have already submitted a complaint, and received a response. Citi Mortgage 's response is that my loan is currently under another mortgage company, and I should contact them. There is no statute of limitations on this issue, and they are the only responsible party. Of course they know this, but they just simply pass the issue on to somebody else ; just like they do everything else Since there is no other way to contact CFPB on this issue, I am forced to submit another complaint. So I am doing just that.

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 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I wired $XXXX to Coinbase on XXXX XXXX. Up until today (XXXX XXXX), it never credited to my account. I sent multiple emails only to get automated reply. I called them, and waited for 90 mins without talking to any humans. I submitted IMAD reference number so they can trace that my money has been deposited to their account. I created case number #XXXX and #XXXX. However, no one from Coinbase is helping me or even trying to help me. The money is just gone.

This is a pure fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to have these inquires removed from transunion and XXXX. I have had no luck. My ex husband who just recently is now deceased tried to open things in my name. 
XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXXl XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiries from discover with no dispute information XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We accidentally missed a payment in XXXX. We are approx. XXXX dollars past due as of XXXX payment. When we got a reminder in the mail and were unsure of the reason we called them to verify, discovered our mistake, confirmed the amount and said we would make good on the past due portion during our regular XXXX Payment which we then set up with the bank to go out on XXXX XXXX. However, since our self initiated call, we have received XXXX calls daily from Navient, trying to collect this past due payment. We have explained ourselves repeatedly and asked the calls be stopped. XXXX we were told the calls would stop for five days and they would put a note in the system. This has not happened. The calls have continued at a rate of XXXX times daily. We feel harassed, we are losing valuable time on the phone in repeated explanations and we have told them to stop or we would file a complaint. They have not stopped. This is our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am still having problems with XXXX XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am trying to review a account in which I am a authorized user and am not liable for the account, no one will will help me without a account number, I do not have that information. They keep hanging up on me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have been getting the run around on a legal description that is incorrectly filed. The loan number is XXXX and the company is PHH Mortgage. PHH originally told me that since the loan was sold to XXXX that XXXX had to make the correction. Upon further investigation and a complaint filed with the CFPB it was discovered that the correction needs to be made by the original company which is PHH. I contacted PHH and was given an apology and told that since the mistake happened before the loan was sold to XXXX that they would correct it. I submitted a request to PHH on XXXX/XXXX/2015 to the email address provided to me but when I followed up 30 days later I was again told that XXXX is who needs to correct the legal description. I asked for a letter of explanation but was told that it probably would not be provided. The representative I spoke to was very helpful but whomever she had to speak with would not correspond with me.

Company response to consumer: Closed
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was denied credit based on information contained in the credit report provided by Equifax. I went to obtain my free credit report due under the Fair Credit Reporting Act. There is no active link anywhere on their site to obtain this report. There are links to the Annual Credit Report Site, lots of offers for paid scores and credit monitoring, but nothing for denied credit. I followed the most likely links.  In one case, it ref erred to the home page Equifax.com, but was not linked. I went through th e FAQ 's. The re is info about how to dispute information, but not how to obtain the report. I finally found a link to a FCRA report, but this returned a 404 Page Not Found error. ( with more advertising for paid pro ducts ).      The Credit reporting agency information : Equifax  XXXX   XXXX   XXXX   XXXX , GA  XXXX  This occurred  X/XX/2017    at approximatly  XXXX   XXXX  CDT ( BTW  XXXX  's website had comparatively clear link.  XXXX  was not used f or Denial of Credit,  so I have not attempted to obtain the report from them )

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I started this loan XX/XX/XXXX with a payment of {$180.00} a month for 10 years for my daughter. It started out with XXXX XXXX XX/XX/XXXX i was laid off from my job and i was struggling to make the payments and i fell behind on the payments i contacted XXXX XXXX for help and they said the only thing i could do was put the loan in forbearance i did that for 2 years then Navient took over serviceing my loan and they capatlized on it and charged a lot of interest, consolidated the loan and changed it to a 25 year loan without even telling me.I was not able to pay the {$250.00} payment i asked for there help with a payment plan i could afford and was told the only thing they could do was set my payment at {$180.00} a month for 2 years that was XX/XX/XXXX - XX/XX/XXXX i made those payments but nothing came off the principle it was all applied to interest since XX/XX/XXXX i have been paying {$250.00} a month and have not missed or been late on a payment but my principle is not going down only going up the original loan was {$22000.00} and now it is {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX we closed on a condo in XXXX XXXX. The mortgage company at the time of closing was XXXX XXXX. The mortgage was immediately transferred to XXXX XXXX. After a few more years, the mortgage was transferred to XXXX XXXX and payments were made to PHH ( a mortgage payment clearing house ). 

In XX/XX/XXXX, my partner and I were having financial difficulty because of a faltering business we both owned. We fell behind our on mortgage payment in XXXX XXXX. In XXXX XXXX, we sent a payment for one month. The check was returned to us because, as the representative said, the payment did not bring the account up-to-date. The next month, we tried to make two payments. The checks for both payments were returned because the payments did not bring the account up-to-date. 

The mortgage was transferred to the Loss Mitigation Department. We attempted to contact the department several times over the course of two months. Each time we were told the person in charge of our account would return our calls. That person never called us. 

Finally, we spoke with the account manager who sent us a Financial Package to work on possible solutions. We immediately sent in the necessary paperwork regarding such solutions. Later, we called the account manager several times only to be told the account manager was " awaiting a decision from shareholders. " Obviously, our mortgage was falling further and further behind. The decision was finally handed down. The account manager told us we did not qualify for any repayment terms and we needed to pay tens of thousands of dollars ( payments, fees, interest, and penalties ) in order to keep the foreclosure process from moving forward. 

The property was sold at auction in XXXX XXXX. We were evicted from our condo in XXXX XXXX. The paperwork filed for the foreclosure, sale at auction, and eviction were prepared by the Law Offices of XXXX XXXX XXXX, XXXX ( We later learned, via different and well-respected news outlets, our foreclosure documents had been robo-signed by employees -- but not attorneys -- in the Law Offices of XXXX XXXX. XXXX. ) Consequently, XXXX XXXX XXXX was later disbarred from the Florida Bar Association for his actions in handling thousands of foreclosures in the State of Florida. 

See links to news articles. XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with CITIBANK, N.A. (SD).
Issue: Other

Complaint: Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Filed a dispute about XXXX XXXX took trans union more than 30 days

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 11/23/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my credit report by email with no success. Tried by calling in telephone, same, no luck it kept dropping me. Tried by mail I could not download the form. 

My whole morning is ruiened

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LVNV has been negatively re-aging my account and incorrectly using the date of when they took over the account/charge-off date as the first date of delinquency. When in actuality, the correct date of first major delinquency was in XXXX of the original account. The date the original account was closed was in XXXX and no payments have ever been made to LVNV ; however, they have been falsely using a more recent date of delinquency of XXXX in order to keep it on my credit report longer than allowed by the Fair Credit Report Act and in attempts to collect for a longer time period than legally permitted. I am reporting them for unlawful collection tactics. I am also requesting that they immediately discontinue such tactics and correct the false information they have been giving to the credit bureaus. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation