milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint against XXXX XXXX XXXX with CFPB and XXXX apologized and agreed to correctly report my account. Dispute # XXXX. Equifax continues to report the account incorrectly and needs to just remove the improperly reported account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I withdrew {$2800.00} cash from a local  US B ank branch to take to another local bank to make my mortgage payment. The teller was  XXXX . When I arrived at the other bank,  XXXX   XXXX   XXXX   XXXX , they discovered that  3 o f the {$100.00} bills were probably counterfeit. They confiscated the bills to send into the authorities. I contacted  US B ank from that bank to notify them tha t 3 of t he bills they gave me were counterfeit, and I filed a police report at the local police station. After a few conversations back and forth, the  US Bank branch manager at that  time,  XXXX , assured me I would be reimbursed for the lost funds. The bank teller,  XXXX , said that they periodically scan currency for counterfeit, but rely on the tellers to quickly identify counterfeit bills because they " do n't have time to scan all the money that comes through the bank ''.      XXXX   XXXX   XXXX   XXXX  has recently let me know that the bills were indeed counterfeit, and yesterday the new  manager,   XXXX , at the  US Bank b ranch told me that they have no way of knowing whether I switched the bills with counterfeit bills between banks. They have no accountability for replacing the lost funds because, once I left the bank, I accepted full responsibility that the currency I was real money. In essence, they are accusing me of money laundering. In all my life as a mom, grandmother and an   XXXX   XXXX  , I have never dreamed of being accused of such a thing! Please let me know if there any further steps I can take to get reimbursed from the bank, or at the very least to warn others to have their money scanned before leaving the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: My name is XXXX XXXX. My social security number is XXXX. My Rush Card was lost on XXXX/XXXX/2017 after I transferred {$2000.00} to my daughter. I noticed the card was missing on XXXX/XXXX/17 after I searched for it to pay my rent. I called Rush Card immediately to report the loss and noticed several unauthorized transactions on my account as well. RushCard replaced my card, but would not allow me to dispute the charges until after they posted. They also would not send me the dispute form so I wrote a letter of dispute instead. RushCard received it via email on XXXX/XXXX/17 ( assigned ticket code XXXX ) and US Mail on XXXX/XXXX/17 ( assigned ticket code XXXX ) with US Mail tracking number XXXX. RushCard 's cardholder agreement clearly states that cardholders will receive a provisional credit for disputed transactions within 10 business days from the initial dispute. However, today I called their customer service after the 10 days had expired and no credit had been received. I was informed that they will not issue a provisional credit until XXXX XXXX ( which is 30 days from the dispute date ). When I reminded them of the cardholder agreement, they had no response except to repeat that the credit would not appear until XXXX XXXX. The outsourced international representative would not allow me to speak to the dispute department nor a supervisor. I reminded them that XXXX had recently been sued for defrauding their customers this way and RushCard would likely face the same fate if they failed to honor their cardholder agreement. They disconnected the call. My rent is past due and has been assigned to evictions because I am without my funds. I can not afford to become homeless waiting on RushCard any longer

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC.. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continuously contacted this debt collector to have this account ( that I am unfamilar with ) removed from my credit report due to lack of validation. I do not have any obligation to pay this company any sum of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. I have sent both police reports to XXXX XXXX, XXXX and Experian in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX 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 non-monetary relief
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I Owed XXXX a bill for {$440.00} I Paid them late on XXXX/XXXX/2015 but then A Bill Collector contacted me ERC '' Enhanced Recovery Company LLC. Later contacted me about the bill they said they would settle it for {$260.00} I Explained I Had paid XXXX The full amount already and sent them a copy of the receipt and then they told me sense it was not a collection it would be removed from my credit after months of waiting it was still on my credit I Contacted them again and they then sent me a letter saying they received my payment of {$260.00} I Never sent them any money I Paid XXXX I Have tried everything with them and have got nowhere!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/20/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I fell behind on my Navient school loans and have made several calls/attempts to try to get on an affordable repayment plan. I have been told based on my family size and income that i can afford ( x ) dollars and it just is n't feasible. I have asked on several different occasions to work in another type of repayment plan and have been told that due to my income and family size this is what a piece of paper that the person on the other end is looking at is what i am able to afford. That is not the case at all. I would like some guidance as they have been submitting to the credit bureau my shortcoming of payments and its is personally affecting my credit score and opportunities for future purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other

Complaint: yes me and my mom have a walmart master card.my moms XXXX years old XXXX and has a hard time talking on phone. we just made XXXX purchaases. on line at XXXX?? and another charge at local food store??? thouse XXXX things only charged. tried for some cash at a atm machne would not go thru???? we had ge capitail bank with card before synchrony bank took over at wamart???? we never had problems with ge capital and used card many years.they sent us a letter stating that they placed a restriction on our account toomake sure no fraud occuring???? this is a joke and were about too cancel account. i contacted the XXXX. but have not heard anything from XXXX????? i also told XXXX that im about too get power of attorney on moms bills this week?? im her son and caregiver past 3 years now???? and we dont need too be upset by all this fraud XXXX???? my mom lets me usecard all the time/ moms name XXXX by the way.also the letter we got in the mail from there fraud dept. you can have them call me XXXX XXXX her son at XXXX cell but till i ge power of attorney they might not want too talk with me??? up too them

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Payday loan debt) with Integrated Recovery Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls my workplace 6-7 times a day, in addition to my job they have contacted my ex-husband telling him of a debt that has absolutely nothing to do with him. Also, they have threatened my mother, spoke aggressively with her and threaten to have me arrested. My ex-husband should have NEVER been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have knowledge of this debt that is attempting to be collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There are multiple debts form XXXX collection agency listed on my credit report. Experian is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Experian, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from XXXX they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX

Company response to consumer: Closed
Consumer complaint received 01-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Cash advance fee

Complaint: XX/XX/XXXX I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Bank of America 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX has been using " ghost '' collection agencies to continue to harass me for months. XXXX, XXXX XXXX, and Stellar Recovery are in fact XXXX XXXX employees falsely claiming to be collection agents. What they are doing is making an end run around the Fair Credit Reporting Act. Notwithstanding my best efforts XXXX XXXX has yet to provide me with written proof of this debt even after multiple written requests for this information. Stellar Recovery has called my cell phone over XXXX times and has yet to provide me proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (KY).
Issue: Fraud or scam

Complaint: paypal has been holding on to {$500.00} for along time now about since XX/XX/XXXX2017 & one of the representatives on the phone said I could call back in 45 days which wasXX/XX/XXXX2017 I called them the next following day and they tell me a whole different story on why I ca n't withdraw my funds I gave them plenty of chances and sent plenty of emails saying I would file an complaint on their company but it seems they 're not taking me serious so this was the last option PayPal is the biggest scamming virtual bank there is

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please help

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