milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE SELECT PORFOLIO FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED MUST BE REOVED VIA COURT ORDER SEE PAGE XXXX FOR CHAPTER XXXX 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6.XXXX INQUIRIES ACCOUNTING ERRORS MUST BE REMOVED CALL THEM TO VERIFY XXXX XXXX INQUIRIES MUST BE REMOVED DO NOT SAY VERIFIED XXXX XXXX XXXX INQUIRIES MUST BE REMOVED. 
XXXX XXXX INQUIRY MUST BE REMOVED TOWER INQUIRY MUS BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

YOU PEOPLE ARE GOING TO GET ME ARRESTED BY PUTTING THIS ON MY REPORT I AM XXXX!!!! THEY DO N'T ASK QUETIONS REMOVE ALL THIS!!!!!!!!! AND DO YOUR JOB NOT VERIFY EVERYTHING!!!!!!! 
I CAN NOT DO ANYTHING MORE THAN READ IT IN PERSON FOR YOU!!!! 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER

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 07/26/2017 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: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

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 01-12-2018 about Credit card or prepaid card (General-purpose prepaid card) with PAYPAL HOLDINGS INC. (GA).
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint: On XX/XX/2018 I sold 8 items on XXXX. Paypal who processes my payments for a fee held 4 out of the 8 payments. The released payments totaled 150 the held was 303. I called 4 days straight to get info about the holds. They gave me every excuse under the sun. I dont have any marks on my account and asked for a supervisor 4 times only to be put on holdlonger than 1hour. They have a policy that makes the bussiness trasactions seem shady and that is to get your funds sooner you have to mark the item that you sell mark it shipped and in 7 days they will release the funds. I charge shipping charges to ship the item to the customer and not shipping the item for 7 days and marking it shipped looks like i am scamming the customer. The second way is that you get the customer to give you a good review on your XXXX page and they will automatically release the funds immediately. I charge shipping because most the time i dont have the money to ship the product. Also when they hold funds they say its proprietary info why they do it and they cant tell us how we can prevent being put to where our funds arent held. Futher more if i have the money to ship items we have to ship them without payment and wait until confimed delivery has been done and the. 3 days after that is when our funds will be available ( sometimes ). I have had to call in to get them released. Anothe thing under acount they get there fees immediatly when the item is paid for. Another thing in there website under accounts if you click on a pending payment it comes up item will be refunded meaning i think they are treating the payment as a sell somehow to keep from gettjng in trouble with the government, when ever its time to release the funds they give us the funds but mark it a refund. So i think they are a shady crocked company. Oh and i had 3 more sales 2 on XX/XX/XXXX and 1 on XX/XX/XXXX and all three of those were put on hold. When you sell stuff and dont get the money for it for 21 days ( thats the normal hold uf you dont jump thru hoops they want u too. ) how can anybody function without money ie : ship, live ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. I have no knowledge of the account being reported on my report. under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... ... promptly delete all information which can not be verified. '' that I have disputed. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.

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 02/25/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MT).
Issue: Loan modification,collection,foreclosure

Complaint: Bought house in XXXX XXXX, ( shore mortgage ) who sold mortgage to country wide then ultimately into bank of America 's hands. In XXXX, we were late 1 month, but in a position to make up past due plus current payment. Was sent a letter of intent of aforeclosure. We went through a negotiating meeting with banks attorney and was given revised payment. We subsequently paid on time 11straight months. We sent all documents per their request to stay in good standing.they could not account for 11 months of payments. Documents were resent after bank lost them again. They refused to approve XXXX short sale contracts.sold house in sheriff sale in XXXX, then resold in XXXX. Ca n't buy a house now because my credit shows an active mortgage. Never recieved an official letter of foreclosure, or a letter of deficiency. No foreclosure shown on credit score. we even recieved a small and insulting settlement check of {$300.00}. How do we eliminate this from my credit report? /thanks for your attention in this matter.

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 06/26/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MN).
Issue: Settlement process and costs

Complaint: We locked in a closing date, and were informed by our realtor ( not Quicken, our lender ) on the day of close that our date had been postponed. So we had to scramble to find housing as we sold our house on the same day. We had to turn in a form saying that we had n't taken out new credit. 
Then, our lender, because they postponed our close date, can change our origination fees because our rate lock expired. So now our origination fees and closing costs have increased almost $ 3K from our original GFE. Our seller is anxious and ready to drop the deal. We do n't have a home and now may not be able to close. 
It seems as though Quicken postponed the close date in order to up their fees to us. They did n't communicate the change in close date to us in a timely fashion ( or at all, we had to contact them to confirm ) and then their fees and rates changed in the days following the original close date. On the 'new ' GFE, they held the interest rate and made us pay points without informing us before we asked them for the HUD form. Fishy and fraudulent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied the AMEX Platinum Card when they have XXXX reward offer this XX/XX/XXXX and get approved. 
I met the spending requirement within 3 month, and then AMEX gave me the XXXX rewards at XX/XX/XXXX. 

However, they took my XXXX reward back few days ago without any info. 
I called AMEX customer service they said there is a unusually point activity flag on my account. 
But this does n't make any sense because I did n't use any point since I earn it. 
And then, the representative said he will help me to open a case to investigate that. 
However, I contact AMEX representative again today, and he told me he ca n't find out any update or further state on my case. 

It makes me feel worry about AMEX might not investigate this mistake fair and get my reward back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 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: Information belongs to someone else

Complaint: I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

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 01/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: In XXXX, I closed my credit card account ending in XXXX with Capitol One. I closed the account due an up coming job loss at the end of XXXX. With that knowledge I consolidated my credit cards with XXXX in XXXX XXXX. The contract was completed in XXXX with XXXX balance to Capitol one. 
Recently Ive been going thru my credit report and found XXXX 30 day XXXX XXXX, XXXX XXXX and XXXX 60 day ( XXXX ) late infraction account XXXX in XXXX. These are incorrect and have disputed and contacted Capitol One to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 been trying for several years to get wrong information corrected on Equifax. The other credit reporting agencies have it correct but Equifax does not and will not correct the issue. They are reporting my wrong birthday. I faxed them my driver 's license and SS card but they still have not corrected the issue and closed the investigation. My confirmation for equifax was XXXX. When I try to call back, I can not reach a live person to speak with again and open another investigation. Please help me correct this. These companies have way too much power over our lives and give very little if no support to correct issues. thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is a follow-up dispute to my XXXX original submission number : XXXX. I received the attached final results from Experian in the mail yesterday after I had already submitted my complaint. You will see the date of XXXX XXXX, 2016 as the date of the results of Experian 's " investigation. '' They clearly ignored XXXX XXXX 's directive to delete all the information circled on the attached first page of the report. Yesterday I attached XXXX XXXX 's letter that was sent to XXXX credit bureaus XXXX and is very clear now that Experian has no intention, refuses and has failed to update my credit report as instructed by XXXX XXXX in their letter dated XXXX XXXX, 2016. The only thing left now if this is not rectified VERY quickly, is a lawsuit and I have proof of a winning case just with these two attachments. I could use the extra money Experian so go on breaking the law.

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 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Shopping for a loan or lease

Complaint: I turned in my lease vehicle and thought you should know about what I consider to be a deceptive and unscrupulous practice. About a month after turning in my vehicle I received a bill for something called a " disposition fee ''. Apparently this is a fee charged if the person returning the vehicle chooses not to purchase the vehicle. When I reviewed the contract with the finance person at the dealership he went through every line except this disposition fee line. To this day I still do n't know what a disposition fee is. I feel like the disposition fee line was purposely avoided by the dealer so as not to make me aware of it. Had I known about this fee I would have challenged it or refused to sign the lease. This practice needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After my last compliant with Navient not applying my full payment I now see that they have added a late fee to the Consolidation Loan which is NOT  Late. You will see  from the documents that the payments are do for the smaller loans on the  XXXX  and the Larger Consolidation Loan on the  XXXX .     We as you see from my attached statements that the online system is showing a late fee of {$38.00} for my Consolidation  Loan  is being added even though you can see all my payments were are on time. After my forbearance my first payment of  XXXX  was due o n  X/XX/17     which I paid in full ( the payment include a number of fee which they did not want to properly note on my account ). Now I see that they have added a {$38.00} fee to my  may  bill for the Consolidation Loan account even though I paid the bill on    XXXX   XXXX    in full for the mount of {$690.00}, the other  XXXX  was paid to the other loans that was due on    XXXX   XXXX   XXXX     .     Why does  XXXX  continue not to process payments properly?

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX  I rented a car from the  XXXX  at the  XXXX   XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to  XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the  TSI d ebt collection agency demanding  XXXX . I have kept the  XXXX  receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks

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 06-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I just reinstated my mortgage loan to prevent foreclosure and save my home and now my lender has nearly XXXX my monthly payment for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted an investigation into an account listed on my Equifax report on XXXX/XXXX/2016 regarding a judgement that has been deleted off of my XXXX and XXXX reports already. I went to check the status of it and it had " completion date XXXX/XXXX/2016 '', with no results or contact from Equifax. I called Equifax today XXXX XXXX, 2016, and requested that the item be deleted and they refused. I would like your help in having this removed from my report. They exceeded the investigation time and never contact me with any results.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016 I refinanced my home with Nationstar Mortgage company, and established an escrow account out of which taxes would be paid. In XX/XX/XXXX I received a bill from my county - XXXX , County Va - for my property taxes. I called Nationstar to make sure they would be paying taxes out of escrow and they assured me they would. In XX/XX/XXXX I received the first of many late notices from the County. I began calling customer service to find out why the payment of my taxes was n't paid, escalating to supervisors but not getting answers. Then, in XX/XX/XXXX, I received notices threatening seizure and sale of my property. During this time period - from XX/XX/XXXX to XX/XX/XXXX - I made over 15 calls to Nationstar only to receive promises that they would research my claim to find out why my taxes had not been paid. Each time I called was told they would need to do research and get back to me in 3 days, which they failed to do. I then called another service number which was supposed to be an escalation phone number. My escrow account had the funds to pay out the taxes but again I was told that there was research needed and they would get back to me but even they refused to follow up and the taxes did not get paid. Finally in XX/XX/XXXX, after receiving notices from the county that my income tax refund was being held until my property taxes were paid, I found the number of a VP of Customer relations and called to tell him my problem. Again I received promises of resolution but did not get returned calls. After recieving a summons from the County to appear in court, I emailed a copy to the VP requesting confirmation of receipt. I did not hear back from him nor anyone else at Nationstar. I found another number on the internet and I escalated to another VP. As of today, after over 20 calls to various parts of Nationstar over several months, I have another promise that the money has been sent to the county. The county has n't recognized the payment and I have 2 days to make sure the property taxes are paid or I have to show up in court. My income tax refund of over {$1000.00} is being held by the county, I have a summons to appear in court, and my previously pristine credit rating is likely destroyed

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's www.conns.com has been calling me everyday for a total of {$120.00} on a washer and dryer I 've been paying on for 2 years. I only owe {$120.00} to pay the entire account off. I have told their reps I get paid on the XXXX of this month and would pay it off. They continue to call me from different numbers ( dialer ) MULTIPLE times a day. Today alone, they have called me 12 times and it 's XXXX. They start right at XXXX. I have told them I am filing a complaint and they say " Ok, but the calls will continue until a payment is made '' This is n't just today. They call me up to 15 times EVERY DAY and it 's harassment!!!! Especially when I 've told them I would pay the entire account off on the XXXX. 15 times in one day is EXCESSIVE! I would like to file a formal complaint against this company and their idiotic collection practices

Company response to consumer: Closed with explanation