milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect Experian/XXXX/XXXX XXXX XXXX to do so also.

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 03/15/2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Other transaction issues

Complaint: they are holding my money while making interest on it. They should have refunded the money on XXXX.2017 initiated transaction on XXXX.2017, then canceled it to change the amount to send because I noticed I was {$30.00} short in my bank account. So I canceled the transaction the same day. Next day they still withdrew money from my account. I called and spoke to XXXX ( located in XXXX ), he did not want to give me any details unless I provide last XXXX digits of my social security number although I had a confirmation number for transaction and its cancellation confirmation number. I asked to be transferred to supervisor, he said since I dont want to provide my social, he would not transfer me to supervisor. I called back again and this time lady transferred me to supervisor without questions asked. I spoke to XXXX at extension number XXXX, he claimed that they already processed a refund. I asked him to send me a confirmation via email because when I canceled transaction originally I received an email saying that " they were unable to refund automatically and have to do it manually ''. I never received anything confirming that they actually processed a refund. Until today I have not received that email. In the meantime, they withdrew money from my account which caused an overdraft. I had to borrow {$30.00} ( XXXX ) to cover that overdraft, can you imagine how embarrassing it is to have to borrow. Spoke to my bank and they did not see a refund being initiated, although XXXX said it will take 3-5 business days. Today is day number XXXX and since I did not see a refund, I called Money Gram again, spoke to supervisor XXXX. As per him, the refund will be initiated after 12 days if not longer, so they did not even start the refund. They are using my money and getting an interest on it and at the end I will have to pay a {$10.00} service fee, which is not right. XXXX did not offer any solutions but said just to wait. I asked them, since they did not start a refund, to release the monies to recipient, which is my brother, he needs to use money to get medicine for my grandmother who is not feeling well and needs her medicine. But they said no. And then hung up on me. I do not have other funds, those money was all I had. I will borrow the money from someone now and after this is all done, I will never use MoneyGram ever again. But right now I need help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2015 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Other

Complaint: On XXXX/XXXX/15, I requested a funds transfer from my XXXX account to my PayPal account. On XXXX/XXXX/15, it was finally processed, but it hit my PayPal " Credit '' account, which is through XXXX Bank. I sent an email to PayPal on XXXX/XXXX/15 and on XXXX/XXXX/15, while also following up with a phone call later in the afternoon. I was advised my refund would be sent out no later than XXXX/XXXX/15. I questioned that and was told it was the company 's policy. Having worked in credit prior, I knew that was n't correct or legal. I sent a XXXX email right after the phone call advising them of Federal Statute : Title 12, Chapter II, Subchapter A, Part 226, Subpart B - 226.11 Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall -- ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. 

On XXXX/XXXX/15, I sent an email through XXXX Bank 's website and was advised someone would be in touch within XXXX hours. I have not heard from XXXX Bank personnel ... and now PayPal is not responding to my XXXX, direct messages, or emails. I also sent emails on XXXX/XXXX/15 and XXXX/XXXX/15 with no response. Whatever the penalty is for violating the statute, I want it applied to either PayPal, XXXX Bank, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with MOHELA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX separate loans under consideration ( I 'm opening XXXX separate incidents, XXXX per loan ). Each loan was transferred a number of times, and satisfied with the final lender. The problem is that the original lender is still showing the loan as not satisfied with XXXX of the XXXX major credit reporting agencies.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax have placed my file in the consumer affairs department and refuses to block the fraudulent items that are on my credit report. Every time I call in to request they remove my credit file out of the fraud department, a lady by the name of XXXX XXXX is very rude and tell me it will remain in the consumer affairs department. There are fraudulent addresses and accounts that are on my file the department refuses to block and remove.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Fraud or scam

Complaint: I had a   XXXX   account where I bought and sold items, paypal was my creditor in which money was debited and credited with ALL transactions made. ebay closed my account with no explanation and being closed, paypal withdraw all funds in my account of approx.  XXXX . Both  XXXX  and paypal started contacting customers I had without my knowledge and issuing them refunds for items already bought and paid for for over 6 months.

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 10/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Today I was forced to purchase a report from experian in order to be able to dispute some accounts on my report. 
after obtaining the report that came with no number, I called the phone number on the report. 
after almost 20 minutes on hold, I was able to speak to a live person and was told that dispute department has shorter hours and I have to call back on Monday. 
The accounts being disputed has been removed from other reporting agencies, so far Experian refusing to remove them, based on dispute I submitted 4 months ago.

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Finding out someone changed my to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NM XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX recently in XX/XX/XXXX. I 'm having problems with Experian XXXX to delete this information, I had provided this documents to them. Which this is fraudulent information on my report on Experian XXXX. I found out with XXXX Bureau report that my name and address was changed on XX/XX/XXXX XXXX XXXX XXXX Equifax XXXX has corrected in their part after providing the Documents to them they requested whom I was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX. I made a police report with XXXX XXXX Police Department in XXXX XXXX NM, and took the necessary steps. To stop this fraud. I had a name change in XX/XX/XXXX to XXXX XXXX XXXX XXXX in the State of New Mexico Documents are provided for you too see.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is 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 01/18/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Apparently someone with a similar name to mine filed bankruptcy in the and it appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately. How is this information verified and where. There was a wrong SSN listed on my report at one time, so it is possible that additional information could in fact be in correct. I had to resend the letter, twice to the credit bureau. Both time they denied receiving it. In addition, the court clerk told all bankruptcy information is only available third party and they do not have all the information in the file because it is a sealed file. My home is a rental and I still receive mail from pass tenants. I believe this is not factual and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account which I have disputed and it is unknown to me and appears to be very old. I have tried to get this removed off of my credit file with no luck or validation provided. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated from XXXX in XX/XX/XXXX. I was scheduled to start repayment inXX/XX/XXXX. When I started repayment I also consolidated my federal loans to make them financially manageable. When speaking with the person who was helping me consolidate and pick a payment plan for Public Service Loan Forgiveness I was counseled incorrectly. I asked  multiple times if the payment plan they suggested counts towards Public Service Loan Forgiveness and I was told that it did. I stayed on that plan for 2 1/2 years until finding out via my loan being sold and put into forbearance that I was on the wrong payment plan and none of my payments counted towards the 120 needed for forgiveness. It's over 30 payments that have not been counted. That's over {$18000.00} that I was counseled incorrectly out of. I have spoken to My XXXX XXXX and they say they can not do anything about it. I want to file a complaint due to the negligence of the loan provider.

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

Complaint: I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have not had a pennys card in over 17 years.. did someone use my name?

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 03/31/2017 about Credit reporting () with LEXISNEXIS (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Lexis Nexis reporting bankruptcy without verification, there is a lot of stuff on their report for me that does not belong to me, I 've never lived at a couple of those addresses. How can they verify without signatures, the courts do not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They took my name offXXXX XXXX XXXXThey issued the report to incorrect address placing My complete name SS # and Birthdate out into the open. I consider this a huge breech.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Payment arrangements were made for a XXXX account that was wrongfully sent to collection agency ( Convergent Outsourcing ) for XX/XX/XXXX and XX/XX/XXXX ( see attached bill notice password " XXXX '' ). 

Representative XXXX XXXX took it upon himself to process the payment early without my permission ; withdrawing {$380.00} from my account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with Northwest Collectors Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2018 I contacted Northwest Collectors regarding a collection notification on my credit report. They referred my to the original creditor/medical facility, XXXX XXXX. 

XXXX XXXX advised that the bill they had was not submitted to the insurance company, because they didn't have any insurance on file. I provided them the insurance information and they advised that they would contact the collection agency immediately to have the account removed. 

On XX/XX/2018, I called the collection agency to follow up and they advised that they have received no such communication from the agency. But advised that they would put a 2 week hold on the account. 

They provided me a contact number for the medical provider. When I contacted the phone number provided by Northwest Collectors, company could not verify address as the are a 3rd party and were not furnished with this information. This middle company is called 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 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
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: This complaint is against Rushmore Loan Management Services, LLC. My first complaint, was back in XXXX 2017. In viewing my credit report, I noticed Rushmore closed my mortgage loan. But, it should n't be closed. I filed a complaint. They corrected the account to " open '' but now reporting it as in default 60 days.
This is false reporting. I 'm providing proof of XX/XX/XXXX and XXXX 2017 mortgage payments. I 'm attaching the XX/XX/XXXX, XX/XX/XXXX and the XXXX XXXX 2017 reports. I believe, they have knowingly reported this falsely reported to the credit bureaus. Due to the numerous errors and negligence cause on Rushmore 's behalf, I now believe I 'm targeted individual by Rushmore Loan Management. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation