milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I want to report Experian violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XX/XX/XXXX ], erroneously reported my account was being " 30  days late '' in XX/XX/XXXX, even though I mailed  them a payment check. When I opened a dispute through the Experian website, Experian forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by Experian because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want Experian to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate.

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 04/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has not properly reviewed as my loan modification. The form was filled out XXXX XXXX, 2016 and my Attorney or myself has had no response from Ocwen

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: My mortgage was paid in full last year but the mortgage company has failed to file a lien satisfaction letter. l am experiencing tremendous financial hardship as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (AL).
Issue: Credit line increase/decrease

Complaint: I have a Navy Federal Credit Card. Which I 've had for almost two years now. I apll applied for a credit line increase in the fall of last year and was denied. 
I applied again two weeks ago and was denied again. According to Navy federal I was denied due too excessive credit obligations and delinquent past or present credit obligations with Navy Federal. According to Navy Federal I was 11 days late in XXXX 2016 and 4 days past due XXXX 2016. I explained to the customer service rep. that I had more debt, a lower beacon score and a lower income when I was first approved for this card and I could n't understand why Navy Federal Kept denying me an increase I was even fresh off a BK chapter XXXX when I first got this card. I asked the customer service rep. how could this happen and she could not explain why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted the credit agency after viewing on my credit report that a bill had been sent to collections that I was not aware of years prior. I researched the company and called them. I paid the debt immediately and asked for a letter stating I had paid the collections and was requesting it be deleted from my credit report. They had not done so. Recently I called and spoke to a supervisor who advised me that I would not get a letter of deletion now even though I had requested one. He stated there was no way he would send a letter of deletion because my account was not paid in full, however, I had asked for the debt to be paid and when on the phone with the collector, it was communicated that I needed the debt off of my credit report and I therefore paid the amount they requested I pay. He still refused to send the letter.

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 11-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Our income has decreased since buying the house and now we have been facing difficulty paying our mortgage. We have requested a loan modification from Chase several times and been denied. Our current interest rate is 8.5 %. We have 15 years left with a principle of {$38000.00}. Why wo n't the bank lower our interest rate?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: Credit Report from Quicken Loans. I have XXXX complaints on these negative items on my credit reports, and now they show up again and again. After I have been told they are removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: XX/XX/XXXX, 2017 : Our system detected unusual activity associated with your account ( Your case ID for this reason is XXXX. ) I have {$420.00} USD in my account and was trying to withdraw it to my bank and my account was restricted for no reason. I get a message stated unusual activity. This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: I opened chase savings/checking accounts on or about XXXX 2015 after banking with XXXX XXXX XXXX for more than a decade without any problems what so ever. After only a few months with chase, my checking account was hacked and several unauthorized transactions were honored by chase bank, despite the fact that I had alerted them that my card had been stolen days prior to any transactions, they elected to process them. When I opened the account I was told that the account was protected from any and all fraud and unauthorized transactions, however after reporting that my card had been stolen, I received a replacement card and was informed that I would not be held responsible for any of the transactions and any and all monies due would be restored to my account. The reality is I then received notice that my account was being closed, I would never be allowed to open another chase account and that I will be charged for more than {$1200.00} in reported unauthorized transactions. Since the account is protected from fraud and unautherized transactions and chase has denied me protection, one can only conclude the bank is alledging that I have committed fraud and that I am lying regarding the transactions. This is untrue as well as slander, further after reviewing the statements, letters and canceled checks involved that were sent to me by chase bank, I have conclded that this is a inside job, my information as well as my documentation will provide evidence of this fact. Note : ( Documents will be provided upon request ) CONCLUSION Chase bank is beneith dignity and engaging in fraud itself as well as misrepresentation when it lies to it 's customers when opening new accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Consumer Loan (Title loan) with KEYCORP (ME).
Issue: Charged bank acct wrong day or amt

Complaint: Key bank has an auto loan I took out with a different bank they aquired. I called on Thursday to make a payment to the bank I authorized a payment of {$800.00}. The bank made a mistake and processed two payments for {$800.00} totaling {$1600.00}. When I noticed this they said they can only send me a check overnight in the mail. I will be traveling and needed this money to check into a hotel and they are basically telling me too bad. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, Below is the information that is on my credit report and it is not accurate as I have never applied nor had XXXX XXXX XXXX. I am only XXXX years of age and would like to inform that the below information is not mine. Please contact me with any questions or concerns. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$890.00} Closed Overview You 're currently using 128 % of your account 's limit. 
Balance {$890.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Youve made 74 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$890.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off account Times XXXX/XXXX/XXXX days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our loan in XXXX 2015, with XXXX XXXX XXXX XXXX XXXX Loan # XXXX. Our loan was sold to Nationstar Mortgage LLC effective XXXX XXXX, 2015, loan # XXXX. At the time our loan was transferred to Nationstar, per the letter their was a transferred escrow amount of {$1600.00}. Nationstar states they only received {$1.00} from XXXX XXXX from the transfer of the account. In the meantime, my homeowners insurance has expired because no one sent payment. And the {$1600.00} escrow account of my funds is missing. No one can tell me where the funds have been applied and why they are not in my current escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for and received a business credit card from American Express for a professional limited liability partnership. I specified in the application and was advised that this credit card was not a personal card, but for the business only, for business use only. I disassociated from the business and the business continued with the other XXXX owners. XXXX of the other XXXX owners who continued to operate the business cut up the card in front of me and advised that it would not longer be used. Over a year later, American Express sought payment for overdue balances from me personally. I requested a verification of the debt amount owed, a copy of the credit application, and made multiple attempts to dispute any personal obligation of the alleged debt and suggested that the such transactions were unauthorized and any credit granted to me was non-transferrable, but all the representatives of American Express would do is demand payment in full without verification. Now, my credit score has been effected and this will cost me tens of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I purchased a few {$200.00} XXXX gift cards provided by U.S. Bank from XXXX in XX/XX/XXXX. Most of them got used quickly, but one did not get used. It remained in my desk, unopened and in its original packaging until XX/XX/XXXX when I tried to use it. I got a rejection when trying to pay a bill, which seemed odd as I had just opened the card. I logged into XXXX and checked the card and found it had 4 charges that I had not made. These charges are as follows : XX/XX/XXXX - {$24.00} XXXX XXXX- XXXX XXXX XX/XX/XXXX - $ {$53.00} XXXX  # XXXX XXXX/XXXX/XXXX - {$71.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX -  {$31.00} - XXXX XXXX # XXXX I immediately called XXXX and let them know about the issue with the card. They closed that card and gave me the information for PrePaid Debit Disputes and said I would have to continue working with them. Their office had closed for the day, but the lady at XXXX said I should contact them and also fax them the information during business hours. The lady also closed out that existing gift card and said she would send a new gift card to me with {$18.00} which is the amount left on the {$200.00} card. She said that as the disputes got resolved, I would receive credits on that new card. I waited until XX/XX/XXXX which was the first business day after that call and faxed the information to PrePaid Debit Disputes and immediately called them. The lady on the other end could not find my fax at that moment, but told me to contact them 2 - 3 business days later and check to see that the fax had been received. I called back 3 days later on the XX/XX/XXXX and verified that the fax had been received. That associate told me I should be expecting a follow up in the mail to process an affidavit from me about the dispute. On Tuesday, XX/XX/XXXX I received the new gift card with instructions on how to activate the card. On Friday, XX/XX/XXXX, instead of receiving an affidavit request in the mail, I received a letter saying that they were unable to assist with my dispute due to the fact that my notice was received beyond the time frame allowed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies.

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 07/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I revoked the Power of Attorney from XXXX. that I gave to them and asked that the Power given to XXXX be coveyed back to XXXX XXXX. Also Nation or XXXX has not responded to the QWR or the proof of claim i sent to them. Prior to this, I 've tried to work with them on many occasion to work it out for an affordable modification no luck at all

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with WAKEFIELD & ASSOCIATES, INC. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I did payment  XXXX  last  spring  but after that since. They supposed to send to me another bill left is {$110.00} balance. I would like to pay off this  XXXX  as soon. Also, I need they send to me bill for Wakefield by   XXXX   XXXX   XXXX     {$170.00} as soon. I can pay off this {$170.00} because my credit score will go up. When I get this both bill then I can pay off. I will be happy. Also, I am trying to look old collect and I can small payment to complete. Please let me know as soon.

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 01-03-2018 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: Account status incorrect

Complaint: This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my XXXX and Experian 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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN 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 03/24/2015 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted PDQ on Several occasion asking them to provide me with proof that this is my debt. I do not owe this debt and they continue to report inaccurate information on my credit file. I sent PDQ a dispute letter on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and now XXXX XXXX, XXXX and they still have not complied with my request. I need you to assist me in getting this matter taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Trouble during payment process

Complaint: on    XXXX   XXXX    2017 i s  ent  Carrington mor tgage company my insurance check to endorse. they cashed my insurance check and applied the the  XXXX  from   XXXX   XXXX   that was money to fix my roof to my principle balance to my loan. when i called regarding this matter they told me that it will take  2 we eks to get my money back. weeks before this i was notified in a statement that i was low in my escrow account when in fact i was n't and they increased my mortgage payment up to  XXXX  a month now I 'm paying  XXXX  but refused to give me documentations as to why or where i was short. i needed to contact my city and have the city call  Carrington mortgage company. They still have yet to get back to me or to notify what my paym ent will now be monthly. Everytime i call to address the situation they connect me to someone else then i sit on hold for almos t 45min then th e call ends up dropping. i feel violated and scared to know that these people hold my mortgage and there a re 1000 more like  me going through this with them right now. I am at a loss of words. this house is shelter for me and my family and i cant even change mortgage companies because i chose not to refinance. please help me please..

Company response to consumer: Closed with explanation