milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX located at XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013.
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The balance showing owed/charged off is {$950.00}. I have no knowledge or ownership of an account from XXXX XXXX. I have also never owned a checking or savings account through this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Credit card debt) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them

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 09/30/2017 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: Information belongs to someone else

Complaint: I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is 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 non-monetary relief
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, I received an offer from American Express XXXX AMEX ) to apply for the Platinum Card, which is {$450.00} a year. As part of this offer, they promised XXXX bonus points, if I charge {$20000.00} within the first three months. I accepted this offer and received the card. 

After receiving the card, I asked about this points offer, and they told me that I would not be getting it, as I 've had an AMEX Platinum in the past. Never during any of the application process was I notified of this, nor is it a stated condition on their website. AMEX imposed this condition *after* I had accepted their offer, and tolerated a hard credit pull.
AMEX must honor the offers that they make. Businesses can not make an offer, have it accepted, then reneg. This is flatly against the XXXX, and is probably illegal. 

If I had not noticed this issue, and proceeded, I would have been out {$450.00}, plus another {$600.00} or so from points I would not have received from another card. So I was on the hook for about {$1000.00}, if AMEX were to get away with this. 

They have offered no remedy at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (KS).
Issue: Trouble during payment process

Complaint: The complaint is against XXXX and Lakeview Loan Servicing. They have not properly credited my payments of principal reduction and continue to charge me interest on principal which I have already paid. They are not crediting my payments in a timely manner. See attached : back of check indicates it was received on XX/XX/XXXX, it was not applied to the loan balance until XX/XX/XXXX. They also did not apply my extra payment to principal as requested, but applied it to the payment due on XX/XX/XXXX. See attached letter and payment statement from XXXX. They have not responded to my correspondence.

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 01/25/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to obtain a mortgage discharge for an old paid off mortgage and Citizen 's Bank ( formerly RBS Citizen 's has repeatedly lied about taking care of this. They first promised two weeks, then thirty days, then more time. They are holding up the sale of a property. State law here in Massachusetts requires them to respond in thirty days. 
After a loan is paid in full the bank is obligated to issue a discharge. As this is not a profit center the bank is not providing staff to meet its obligations. 
I am an attorney representing the buyer. The seller has had no success going into the branch and asked me to help. I made a written request for a discharge in XXXX. If I, as an attorney, can not get a discharge, imagine how frustrating this must be for peo

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Citibank, N.A., Best Buy ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with Citibank, N.A., Best Buy is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

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 05/27/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: The payment did not process. The company reversed charges of {$170.00} time XXXX. 
The charges should be XXXX reversal and two payments. I also have overdraft fee, which should be waived because discover reversed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Do to a financial hardship my family and I experienced, I had an overdue balance with Discover card. They were able to obtain a judgment against me in District Court.
I have been trying for months to find a possible settlement with them or to simply get an address where I could send payments and know that they were being documented.
I have gotten no response from Discover Card or their attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 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: Account information incorrect

Complaint: OK opinion based on works an experience- you did nothing BUT you did allow the company to clarify for me NOT AMERICANS why they are always going to be XXXX at the hands of lenders and Credit reporting! " Please be advised there are hundreds of scoring models utilized today from financial institutions throughout the United States. Each scoring model is chosen by the financial institution based on criteria they specify in relation to their business needs. " The faade continues because you do nothing to provide a uniform method. We- the consumer are at the mercy of the lenders! Called Greed I believe. I have submitted this over and over and it still remains unresolved. Why send me a report if not correct? I added a dispute of the XXXX and XXXX provided documentation via earlier XXXX XXXX XXXX XXXX concerning my security months ago and still unresolved This security freeze posted through XXXX was supposed to go to all three credit bureaus which it did not!!! Fact they avoid mentioning 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 05/25/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A review of my credit report showed a collection account by  Diversified  dated in   XX/XX/XXXX .  I have never had any contract with  Diversified Consultants  and my contract with  XXXX  was cancelled. I have disputed this with all   XXXX   credit bureaus on both  XX/XX/XXXX  and on  XX/XX/XXXX , and their response on my credit report is " Meets requirement of the FCRA ''. A letter was also sent via certified directly to Diversified on  XX/XX/XXXX  - their response was to mail me a copy of a  XXXX  statement of account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2015 a balance of {$870.00} from XXXX XXXX Bank appeared on my Transunion and XXXX   credit report. I am challenging Transunion and XXXX to verify this account Per Section 609 of the Fair Credit reporting Act ). This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever i filled out and signed upon opening the account with the reporting creditors.

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 08/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I missed XXXX payment on a mortgage I had been paying on time for XXXX years. When paying my next payment it was applied to the previous month, no notification either time as if they were waiting to set me up to foreclose on the property. Only found out by accident when calling another lender to refinance, to this day Chase has yet to notify me or take any blame for any wrong

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Payday loan () with WLCC (CA).
Issue: Can't stop charges to bank account

Complaint: Arrowhead advance got paid XXXX for a XXXX dollar loan I offered to pay them the balance of XXXX dollars due. Today they debuted my debit card for XXXX so they have gotten paid XXXX the XXXX loan is illegal in my state of California.mi emailed the, weeks ago and they acknowledge my revocation to stop all ach and debit card transaction yet today they debited my account. These types of loans are illegal in my state and yet they still debited my account. I have disputed the charge with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with U.S. BANCORP (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I made a purchase using my debt card through the internet with a XXXX Supplier, The product I received was defective and broken. I tried to contact the XXXX supplier but the dispute form was blocked and was unable to directly file a dispute report, I have since filed with many government agencies and have required the bank to hold funds or reverse payment. I have not received a credit from the bank and when I call they tell me the dispute is in-process, mean time I still have n't received any credit and I am also out of an interest, seems all parties involved are stalling or delaying payment and are n't planning to pay interest. When I received my debt card I was told it cover fraud and misrepresentation of services / product. 


Contacted : US Bank Amount {$26.00} plus interest ( 19.99 % APR ) transaction date : XX/XX/2017

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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX account # XXXX I have insurance, I paid my Deductible/co-pay at the hospital and even recieved a refund for overpaymentof the deductible. I never recieved a bill after my operation. I have no idea why this is in collections they should bill the insurance company ; So far as I know I am not responsible for this bill ; neither have they provided me a copy of the bill so that I could present it to my insurance carrier. They have no right to place this on my credit report without notification of a bill being due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has charged me with bogus interest charges on XXXX subsidized Stafford loans that are currently in economic hardship deferment. I have been in deferment for two years and have always reapplied diligently for renewal at each interval where I needed to submit proof of hardship. My last period of deferment ended in XXXX XXXX, but the letter Navient sent me to continue deferment mentioned the upcoming date as XXXX XXXX, XXXX. I received no information about the time period between the end of the previous deferment period and XXXX XXXX, XXXX. I did receive a letter previous to that that gave the impression I was to begin income based repayment on XXXX XXXX, XXXX ( with no mention that if I was eligible, I could continue being in deferment ). I sent in my re-application materials and proof for the XXXX XXXX date. I then noticed that my principal balance had gone up and wondered why. I called Navient and they were unable to inform me what this charge was for or when it was from. They mentioned vaguely that it was from previous periods in repayment. They would not remove the {$70.00} charge. I had no letter or conversation with Navient about the time between the end of my previous deferment period and the reapplied for deferment. I did not agree to be in repayment, I had no idea they had put me in repayment. Indeed, if they had communicated with me, I would have gladly applied sooner and seamlessly continued my deferment to avoid the two month lag because I readily had my proof of hardship available. This is standard behavior for Navient! I have had many instances where they " lost '' applications for income based repayment and deferments and I had to pay larger bills and sometimes fines to keep myself out of default. This has been a regular occurrence. I believe this is willful on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a {$3400.00} debt listed on my credit report and it has been paid. The reporting collection agency will not report the payment and I was told to challenge it and let the Credit Reporting Company call them. I have a receipt showing it has been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is incorrectly reporting my debt-to-credit ratio as shown in the uploaded document, Equifax shows my mortgage loan as part of the credit utilization at 94 % - original mortgage {$190000.00} with a balance of {$170000.00}, The company is also treating the installment auto loan the same with a utilization at 81 % from the original loan versus the balance. The other agencies are correctly reporting and have always reported the debt usage of my revolving credit, which is 5 %. The combined reporting is an average utilization of 71 %! Recently, Equifax reported " high balances '' versus available credit to creditors causing me to be declined credit with an XXXX credit score. For the dispute, Equifax simply re-confirmed the " high balances '' with the mortgage holder and auto loan lender. Thank you for your assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a credit card with  Bank of America. TH ey have not cleared my balan ce to 0 y et. I filed fraud for multiple charges last couple months and there is still a balance of  XXXX  dollars plus that is standing on my account and needs to be removed. I already called BOA fraud team and they do n't pick up. I also started the fraud claims investigation process by calling BOA and they said they will remove the remaining charges as they did n't the first time because they thought I did n't lose my card and many charges were chip transactions. However, I did lose my card, hence all those chip transactions also need to be credited back to my account. I was told but BOA they would be about a month ago but still I see nothing.     My card number :  XXXX   Sincerely,   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