milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in XXXX XXXX  i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XX/XX/XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX XXXX XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.

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 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX placed my previous electric account with Collection Bureau of America. The original placement amount was {$1200.00}. I 've made several payments further reducing the debt to {$710.00}. After review of the previous XXXX account statements. My final bill was not calculated correctly. As of today, I 've not been able to get anyone in the XXXX final bill unit to return my calls. The collection company is still pursuing the collection and now stating that even though I 'm under a payment agreement that this will still be reporting onto my credit. This is not fair business practices as I 've been on the phone with them every single time they have called.

Company response to consumer: Closed
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns

Company public response: Company chooses not to provide a public response
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX  had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

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 10/29/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (MN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with J.S Resolution Group, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear XXXX, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
In the month of XX/XX/XXXX, it was reported that I was 60 days late on my XXXX account. This was reported to all 3 credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page 2 ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called XXXX and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : XXXX XXXX ... 
Sincerely,

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 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been disputing a tax lien placed on my credit report since XXXX XXXX, 2016. I have disputed it with trans union twice and they have rejected my claim both times. The tax lien was placed on my credit report incorrectly due to my mortgage company ( XXXX XXXX ) failing to pay my county taxes. My mortgage is currently tied to an escrow and this is part of their obligation. They have recognized their error and the county has released the lien and acknowledged that it was not my fault as well. Trans Union still refuses to remove the lien from 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 non-monetary relief
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Money was being withdrawn from the checking account unauthorized close to the amount of {$2000.00}. When this was brought to the banks attention they had us to fill out XXXX XXXX XXXX XXXX claim documents, and we were informed that the monies would be returned. We were also informed that we would hear back from the bank within XXXX XXXX XXXX XXXX days. This was back in XXXX of this year. On Tuesday XXXX XXXX, XXXX we were informed by the bank that we would have no recovery but was not given a reason for the decision that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have XXXX variable interest rate loans through Chase and since XXXX the interest rates on XXXX of the XXXX loans have risen a small amount -- .04 %. I noticed this recently while logging on to make a payment but I was never notified of the interest rate increases. I understand that my interest rate can change, I just expected to be notified. I called the bank and they confirmed that I was never notified and apologized. I asked them to make sure I was notified about any other future increases. 

While I hope they comply, I wanted to make sure this did n't happen to anyone else. Are banks required to notify you when your interest rate on a variable rate loan increases?

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: We have contacted you in the past regarding Ocwen Loan Servicing. They continually add an escrow onto our account which we have never wanted nor authorized. After the CFPB contacted them, they promised the problem was fixed and we would n't have this problem again. Well, this month they have added an {$840.00} escrow onto our account. We pay our own insurance and taxes. They are trying to tell me that it can not be taken off and that we have to pay the XXXX and submit a request for a refund. I told them I will not pay a dime that I do n't owe them. Please help me with this situation. I feel like Ocwen is trying to purposefully cause me to fault my loan and cause me to lose my home for their financial gain. My name is XXXX XXXX XXXX, Account # XXXX, address XXXX XXXX XXXX XXXX. XXXX, SC XXXX last XXXX of ss # is XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit line increase/decrease

Complaint: For the last 9 months or so, Bank of America has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Bank of American then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.

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 04-08-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with CitiMortgage, and for 18 months it was being paid by XXXX because I am in a hardship situation. So when that ran out, I applied to Citi for help and they said they would try to modify the mortgage. Well months later they agreed to a modification on a four month trial basis, and if all went well, it would become permanent. I learned that my loan was serviced by Fannie Mae, and my Citi contact helped me set up the payments for the 4 months to be deducted from my checking acount automatically. The XXXX one went well, and then I learned that my mortgage was transferred to XXXX XXXX XXXX, and tons of paperwork with it, of course. I was told the XXXX payment should be sent to XXXX XXXX and I advised, or tried to, both XXXX and XXXX XXXX that it was to come out automatically on the XXXX of the month prior to the XXXX when it was due. Well now I was told Citi was no longer handling the loan at all, and I would have to talk to XXXX XXXX, however, XXXX XXXX told me that it had not yet been transferred completely so they did n't have all the info. After many calls, I finally got a XXXX manager, and he told me to send in my XXXX XXXX payment, which I did. The interestiang thing that happened was when I check my bank account XXXX XXXX, looking for XXXX 's automatic entry, it had disappeared. They were not listed as one of my debtors at all and even if it 's a single payment they should be so I could not verify the information that was set up. The XXXX payment due XXXX XXXX was taken out on XXXX XXXX and that was it. So in talkng to XXXX they say they ca n't talk to me cause they no longer have the loan, and XXXX tells me that it is not yet transferred completely. Where is it, in the clouds with all the other wireless stuff? XXXX Housing Agency is helping me now, they have in the past and they suggested I contact you. Thank you for being there. I am a XXXX trying to maintain my home to the best of my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Credit card protection / Debt protection

Complaint: Barclays Bank Delware has issued fraudulent credit in my name on XXXX occasions. The second occurrence was in XXXX 2015. I received an alert that an account was opened in my name. I immediately called Barclays and told them it was fraud. I called at least XXXX additional times and Barclays still approved the account for the thief to use. The thief used the incorrect spelling of my name, incorrect address and telephone, and Barclays still approved the fraudulent request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This input relates to a complaint I filed that was assigned case number XXXX. Citi Mortgage gave a response, which I responded to on XXXX/XXXX/16. My question was, why was Citi threatening me with foreclosure while offering me a loan modification at the same time. More importantly, I was under a bankruptcy stay when Citi threatened me with foreclosure. I am once again asking Citi to answer this question. They have failed to answer it before in the case number I referenced above.

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