milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2015 about Payday loan () with Flurish Inc. (TX).
Issue: Applied for loan/did not receive money

Complaint: Re : Your Application for LendUp 's Credit ServicesWe 're sorry. We can not approve you for credit services at this time. Please understand that asa XXXX Business XXXX XXXX XXXX, we provide as part of our credit services a guaranty on behalfof consumers for whom we arrange loans with third-party lenders. We therefore assess yourability to repay the loan you desire in determining whether to provide our credit services. 
While we are working hard to find a solution for every consumer, we regret to inform you thatwe are unable to offer you credit services at this time. 
Your application was processed by a credit scoring system that assigns a numerical value tothe various items of information we consider in evaluating an application. These numericalvalues are based upon the results of analyses of repayment histories of large numbers ofcustomers. 
The information you provided in your application did not score a sufficient number of points forapproval of the application. The reasons you did not score well compared with other applicantsmight include : Unable to verify the supplied bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Over the past few years I 've been disputing an outstanding collection on my credit reports with experian and XXXX. The situation is i purchased a cellphone from XXXX through XXXX XXXX XX/XX/2014. I was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to XXXX.  Down the line a receive mail stating I owe XXXX XXXX XXXX for something that i returned and do not own. I returned to XXXX XXXX to get a copy of the retiring receipt which i forward to the collection company ( XXXX XXXX XXXX and the Reporting agencies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.

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 01-11-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Company makes repeated phone calls to my cell, would n't give me enough information to identify the debt ( I owe no debts ), and repeatedly asked for personal information, including social security number to " verify '' my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Credit decision / Underwriting

Complaint: We applied for a VA loan with Navy Federal Credit Union. We went under contract and had XXXX days to remove a funding contingency. The credit union told us, our realtor and the seller 's realtor that we were approved for the loan. Then one week before closing the credit union changed their decision and pulled back the funding approval. The reason given was we do n't have employment in the state where the property is located. XXXX XXXX is the day we are bound by contract to close on the loan. It is the seller 's intentions to take a our {$4000.00} earnest money down payment. My husband and I have both served this country for XXXX XXXX years of service and never thought we would be treated this way by a financial institution professing to support military members. For a week now we have been trying to get the credit union to help us get our earnest money back and they wo n't even answer our phone messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.

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 07/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is attempting to collect a debt I do not owe to it. 

I ordered internet service on XXXX XXXX, XXXX. I was subsequently sold cable television service by phone. There was a 30 day money back guarantee as to both services. On the second occasion in which I took off work to wait for cable installers that never came, I canceled the service and returned the equipment to XXXX on XXXX XXXX, XXXX which was well within the thirty days. 

I later received a bill from XXXX and called and spoke to a representative on XXXX XXXX, XXXX. After reviewing my account she informed me that all charges would be removed within 48 hours because the package had a 30 day money back guarantee and I had disconnected and returned all the equipment on time. 

Despite this representation, I next received a letter dated XXXX XXXX, XXXX from debt collection agency XXXX XXXX XXXX seeking to collect for XXXX. I responded in writing denying the debt and explaining why including copies of all relevant documentation on XXXX XXXX, XXXX. 

I never heard another word about it but learned in XXXX XXXX, when I was buying a car, that this was on my credit report but showed as disputed. 

Recently ( in and around XXXX XXXX ) I started receiving debt collection telephone calls from a new company regarding this matter. The new company is called Diversified Consultants. I have received multiple daily phone calls which have continued even after I told their representative that I did not owe this and after they have sent me a letter dated XXXX XXXX, XXXX which gives me 30 days to respond. 

At this point, I am at a loss of what to do because when I provide them a written response and evidence to prove that I do not owe this debt they nonetheless report it to credit bureaus and just send it to new companies to collect. I do not owe it and I am tired of being constantly harassed. This needs to be resolved and the matter needs to be removed from being reported against me to all XXXX credit reporting agencies. Further XXXX, XXXX XXXX XXXX and Diversified need to be penalized in whatever manner it is possible for their conduct. Specifically, XXXX failed at all points to competently handle this matter and to have forwarded it for collections not once but twice and to have negatively impacted my credit report when their own records reveal I do not owe it. XXXX XXXX XXXX failed to competently reflect this matter as a debt not owed and negatively impacted my credit report and Diversified Inc. is engaging in telephone harassment in attempting to collect a debt that is not owed and engaging in the repeated daily phone calls even though I am within my timeframe to respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Billing disputes

Complaint: In accordance with my XXXX Statement ( attached ) from Discover Card, my balance showing owed was {$8000.00} due on XXXX XXXX, 2015. This balance included an interest charge of {$140.00} which was calculated from a balance of {$8100.00} as shown on page XXXX of the statement. The previous balance showed as {$8000.00}. So the fact that the interest is based off of an amount greater than even the previous balance tells me that they have calculated the interest through the due date. On XXXX XXXX, 2015 I paid the balance in full of {$8000.00} and closed my account. 
I was quite surprised to receive an XXXX Statement ( attached ) showing a balance owed of {$43.00}, which apparently was an interest charge calculated from a balance of {$2100.00} as shown on page XXXX of the statement. I immediately contacted Discover Card to ask them to remove this charge as my account was paid in full and should show a XXXX balance and I was told that interest on cash advance balances was charged different than interest on purchases and that was the reason for the additional charge. I do n't understand what they are saying and I have no idea where this {$2100.00} amount came from that they based the charge off from. 
I received a written message ( attached ) from a manager, which basically stated that even though I paid the balance in full, there was still interest accruing somewhere, somehow. Apparently a calculation the general consumer can not understand, as it makes NO sense to me. I have paid off many credit cards in the past several years and I have NEVER seen this practice, and feel that Discover Card is taking advantage of the general consumer. 
I would never recommend anyone sign up for a Discover Card!

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 EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with XXXX XXXX about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX claim that I owe a mortgage amount of {$120000.00} within my credit report. XXXX XXXX is in violation of Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have disputed the account several times with all major bureaus because it is reporting as OPEN. This account has been CLOSED and CHARGED OFF since XX/XX/XXXX which XXXX XXXX reported back in XX/XX/XXXX within my XXXX credit report. However, they changed from the correct reporting as years have passed. I printed and kept my XX/XX/XXXX XXXX correct documents when XXXX XXXX reported it CLOSED/CO. XXXX XXXX started to INCORRECTLY report the debt as open again starting in XX/XX/XXXX. PLEASE make them report fair and correct within my credit reports. They are adversely affecting my life and I can not get permanent employment due to them incorrectly reporting a charge off as open. XXXX XXXX is engaging in unfair and outrageous methods to collect a Closed and Charged debt and other illegal financial manipulations which are apparent to be intentional.

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 Experian Information Solutions Inc. (VA).
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: In XX/XX/XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Telling me I have a returned item from my bank which I do n't have anything ... I have verified with my bank I have had NO returned items ... And it 's in my best interest to call them back ...

Company response to consumer: Closed
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Three months ago I received notification from Citicard that they were going to cancel my credit card because I already was making payments on another card that 's been closed. I was not late on either card. Two months ago I thought I had made an online payment to Citicard to pay my bill for the month. It did not go through somehow and when I went to check on the bill, I found it was n't paid and I called XXXX to see if they would waive the fee. They said they had already waived the fee and they could not do it. I asked them since they were closing the account anyways if they could just roll over the amount due, to the balance that I was already paying on and they said they could not and that I would have to pay two separate accounts. I was not ok with paying two separate accounts, so knowing that I would pay off the balance by XXXX XXXX, was not too concerned since the account is closed. Well Citi has not stopped calling me XXXXVERYDAY 1 - 6 times EVERYDAY!! I 'm not sure what they think they are going to gain by calling me so many times a day but this is NOT ok. No one should be harrassed by a creditor so much. And it 's not like I owe {$50000.00} or something like that. I just want the calls to stop and the opportunity to pay off the balance.

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 07/14/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Delinquent account

Complaint: I am filing compliant to Synchrony Financial Banana Republic Credit Card regarding reporting me as past due to my credit report. I did not receive bills for 2 months and all of a sudden on XXXX/XXXX/2016 I receive a bill indicating I was past due. I promptly called, paid the bill in full and was refunded the late fees BUT they would not acknowledge there was a billing error they made as I had not received it through e-mail or paper. In addition, they have converted this account 3 times and often with me being unaware until I have swiped the card at the Banana Republic store. I have never been past due on ANY account and never past due with this product EVER. The representative refused to help. I am frustrated that some banks, not all, are taking advantage of consumers by being unfair, deceptive and abusive. All this happens as well while I am refinancing my mortgage. What also bothers me is that they never even called me to indicate I was past due or sent specific e-mails indicating I was. This just seems like an opportunity for this bank meet financial goals by charging late fees and hoping the consumer wo n't follow up on it. I am at my last straw and a very frustrated consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Four years ago I co-signed for my grandson to get a student loan. I was told by XXXX that if my grandson made 12 consecutive payments without being late he would be able to release me from the loan. Well I made sure my grandson paid his bill on time so that I could be released. My grandson put in the release form after making the twelfth payment. He received a letter back from XXXX stating his request had been denied.If I had known this would happen, I never would have co-signed. Im sure they want to keep me as a co-signer due to having a credit score of XXXX but that wasnt the deal we made. Can anything be done about this? Theres has to be a law against these companies ripping seniors citizens off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the past few 5 years I 've used Equifax to obtain my credit report and obtain credit monitoring services. I 've now learned that due to a security breach my personal private information may have been made available to criminals. Furthermore, Equifax 's website may or may not be able to confirm whether my private information was stolen or not. This puts me at risk for identity theft as well as other financial losses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i wrote to the CRA 'S that there were several bankruptcy cases on my report and that they were not accurate and should verified and removed, they responded with they have been verified i wrote back and asked the method of verification and who they corresponded with, they wrote back we have told you we verified the items and that i should contact the bankruptcy court for more info so i wrote to the court they replied with dear sir we DO NOT REPORT TO THE CREDIT BUREAU AND WE DO NOT SUPPLY social security numbers to any agency, i then wrote back to CRA and sent a copy of the letter and requested that they remove this info as it has not been verified XXXX removed it immediately XXXX AND EXPERIAN both replied we have verified thru a 3rd party who reports public records i wrote back explained to them that i was seeking a attorney to fight this further i explain to them that who ever is reporting to you i have a right to know who they are and that they should be on my report so i can address them properly if they are furnishing information furthermore i did not give them permission to give out my social security number XXXX need to know who they are what is the furnisher information they replied the NORTHERN DISTRICT BANKRUPTCY COURT so i went down to XXXX XXXX XXXX in XXXX Texas and went into court and spoke with a clerk asked if they were a customer of the CRA 'S she said no i also asked her if they verify information when the CRA 'S send those request she said sir we have ABSOLUTELY NO DEALINGS WETHER DIRECTLY OR IN DIRECTLY THE CRA 'S can pull info from companies like XXXX and get this information i bowed her my letter from CRA 'S said that they verified information with your office she said not true we do n't do that and we certainly are not violating any federal laws i will give you a copy of the same form we sent you i asked well can you call them to tell them this she said we ca n't do that and we DONT correspond with them Period here is your letter i then sent this to the CRA 'S for the 4 time and asked they remove this unverified information Experian called me and told me that they were re investigating the case 1 hour later they removed XXXX perfectly good accounts from my report i called and asked why they said they did n't come in under your social i said mam they are credit cards that belong to my father i am authorized user she said thats illegal you need to give me his name i will contact him i said mam you have his information she said he has to verify that he placed you on his cards then we will put you back on i said really even though its illegal she said she had to transfer me to a sup visor that never answered the phone i have did everything they have asked me to DO and they are still violating the law with no fear of any action being taken

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