milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/2015 Balance ( XXXX ) as of XX/XX/2015 still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/2015 {$1500.00} still in collections area Experian, XXXX , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/2015 {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

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 06-05-2017 about Mortgage (Conventional home mortgage) with CalAtlantic Financial Services Inc (NV).
Issue: Closing on a mortgage

Complaint: CalAtlantic is the most incompetent group of people have I ever dealt with and despite being six months aft er closing I am still hassling once a week with their mistakes and incompetence. During our  XXXX   XXXX  closing, we paid dues to our master association of {$150.00} and a capital contribution to the master HOA of {$500.00}. The closing statement also shows {$620.00} paid for  XXXX   XXXX   XXXX ,  2017  dues to the local association and a capital contribution of {$150.00}.     None of those amounts have been properly distributed to the proper HOAs. The master association has received none of the money. The local association received {$650.00} of the {$770.00} we paid but it 's not clear what that was for. There is a likelihood that CalAtlantic should pay {$150.00} to the master but no body knows.     They are refusing to answer the questions to both myself and to the various associations. Maybe they intend to keep the money, which would n't surprise. It 's amazing this group of complete incompetents can continue to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.

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 06/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Credit decision / Underwriting

Complaint: We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our XXXX mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a XXXX and XXXX lien and ca n't refinance anything!

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Private student loan) with DISCOVER BANK (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY).
Issue: Other transaction issues

Complaint: I paid for a funds transfer from the state of XXXX to XXXX using the MoneyGram Service located in a Walmart Store. When pickup was attempted by the listed recipient in XXXX the funds were n't distributed, he was required to call me ( sender ) and have me call an XXXX number ; when I called the XXXX number I was transferred to XXXX different representatives who all never explained why this delay was needed and what the issue/problem was that prevented execution of my transfer. When I repeatedly demanded to speak with a mgr I was put back on hold for an extended period of time ( after a 8 minute initial hold to even start the process ), just to somehow get disconnected. When I returned to Walmart to cancel the transaction and get my money back, the Walmart Rep had to call MoneyGram because of a hold status and took nearly 30 minutes of holding on the line to get it cleared for my refund and still never gave me or the rep an explanation of why this all occurred. This was a huge waste of time and no company operating in the US should be able to tie up our funds and not even have call center reps that can speak understandable English and that do n't provide explanations of why our funds are being tied up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Other

Complaint: JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Jim Bottin Enterprises, Inc (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX My account reference Number : XXXX This company runs the accounts for XXXX XXXX a health club that automatically deducts a membership fee every month. This is fine since I signed the contract, however, when calling to cancel and talking to a representative that took express detail to ensure she called up the correct account I now have to write a letter and wait at least 30 days after the letter is received to cancel my membership. This will ensure multiple payments are additionally charged to my credit card. This should have been handled immediately on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO XXXX AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.

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 03/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Tree Green Tree Services were added to my Chapter XXXX bankruptcy case XXXX in 2009. My bankruptcy is discharged and paid in full and now they are coming after me with more debt tacked on. I paid them as agree in the bankruptcy, and they refuse to send me my deed. They have sent people to my home and threatened to remove me from my home and sent paperwork to the sheriff 's department trying to issue foreclosure, and when the sheriff 's department come to serve the paperwork, I show them the bankruptcy papers, they refuse to leave me alone. They sold the loan to Ditech and they are using the same procedures to try to foreclose and keep harassment going.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems when you are unable to pay

Complaint: I do n't know why it took me so long, but realized that my car payment allotment should 've stop. I had a {$300.00} allotment coming out of my each paycheck. So every other Friday I was making a payment. I contacted Wells Fargo Dealer Services on XX/XX/XXXX at pm to find out my balance. They told me they had to contact the Bankruptcy Trustee before they could give me any information and I had to call back in 2 hours. I called back the next day ( XX/XX/XXXX ) to find out my balance and was told that I did n't have a balance. I asked them when my final payment was and the rep said that she could n't tell from my account because it was charged off and had to send a request to a different department and that it would take 24 to 48 hours to get an answer and I had to call back. So I called back on Monday ( XX/XX/XXXX ) and the rep still could n't tell me anything. I asked to speak to a supervisor and I was passed to XXXX and she told me that my final payment was made on XX/XX/XXXX, that would have been my XX/XX/XXXX paycheck. I was told to call back within 24 to 48 hours again for to let the Bankruptcy rep to work on my refund. Since then an automatic payments were sent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I called back on XXXX to follow up on my refund and I was told that a check for {$700.00} was sent. The number is completely incorrect and I spoke to XXXX the supervisor and told her that if my last payment was XX/XX/XXXX, there was still 4 payments sent since then. I am not sure how they got {$700.00} since {$300.00} evenly was sent every two weeks and they fact that 4 payments have been sent since XX/XX/XXXX. I went back and counted all of my payments starting in XX/XX/XXXX. Over all I 've paid them {$15000.00}. 
XX/XX/XXXX - XX/XX/XXXX {$1300.00} XX/XX/XXXX - XX/XX/XXXX {$8100.00} XX/XX/XXXX - XX/XX/XXXX {$5700.00} - This total what I 've paid them all noted within the transaction information they sent. If I go by what the Trustee stated I owned Wells Fargo it was {$13000.00}. If I go by what they had on that transaction sheet they sent me it was {$13000.00}. Either way I am owned more the {$780.00}. I contacted them on XX/XX/XXXX and gave them this exact breakdown. I followed up Tuesday XX/XX/XXXX and the Bankruptcy manage is still working on it. Called back today XX/XX/XXXX and was told by the Supervisor XXXX that the Bankruptcy manager still has n't looked to the follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I reported to JCPenney/XXXX XXXX that I had fraud on my account causing a returned payment that was returned causing me to have a 30 day marker on all 3 of my credit reports that they did fix and then it reappeared also balance is incorrect Please see below : SYNCB/JCP Account Number XXXX Account Type Unknown Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated - Credit Limit {$3100.00} Past Due Amount - High Balance {$4000.00} Monthly Payment {$140.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 02-08-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have asked to have my account pulled for {$150.00} a month no matter what my payment might be ( it is lower than that ). I have paid off XXXX loans and each time I pay off a loan they lower my payment amount and stop taking out the {$150.00} as instructed. I 'm so frustrated as I want to keep my payment amount the same so I can pay off my loans more quickly than required. They continue to lower the payment and then take 2-3 months to get it back to the {$150.00} as requested. I have to continue to request the amount to be changed each time I pay off a loan. Then when I pay on XXXX loan specifically, the payment is disbursed between all loans, instead of just on the one that I wanted the extra payment to go to. They are completely frustrating and seem to just want to drag out the loans as long as they can to make more interest, when I 'm trying to pay them off early.

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
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I feel I was advised by an Ally Financial employee named XXXX around XXXX XXXX, 2015 tht that I could turn my lease in 4 months early and be done with the lease free and clear. 
I called Ally and spoke to XXXX after I had received a letter from Ally asking me essentially how would I like to end the lease. When I spoke to XXXX I reiterated with her several times " are you sure all I have to do is turn the lease in early? '' and she reaffirmed that was the case several times or at least that was my perception. I have contacted Ally several times and spoke to many people to just listen to the tape of the conversation that they have around XXXX XXXX 2015 but to no avail. I keep getting a complete runaround from dept. to dept. with promises to look into the matter and call back only to find no response. My feeling is I was duped and defrauded into believing I could turn the lease in early with no further obligation and I am sure I 'm not the first one this has happened to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with Five Lakes Agency (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was in an active Bankruptcy that was finalized and suddenly I receive a default letter from Navient that I am XXXX delinquent. This was the first notification I had received from them since my Bankruptcy was finished. I called to work out payment options to lower my payment and they immediately put me in forbearance with no option to make a payment. Penalties and interest are continuing to mount. All I want to due is lower my payments and start paying my debt back, but they seem to make it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with U.S. BANCORP (OK).
Issue: Struggling to pay mortgage

Complaint: Consumer received a letter in the mail from XXXX XXXX XXXX, XXXX. atty stating from district court, a summary of judgement against all parties stated above, XXXX AND XXXX XXXX, U.S.A., HUD, XXXX AND XXXX were never served or notified regarding any court date or aware of intent to proceed without responding to the request to the letters we have sent. This has cause violation of our rights. U.S.C. 1692 1692p, approved on XX/XX/1977, 3-302.  HOLDER IN DUE COURSE.. I am contacting You as trustee of our affairs and also representing the U.S.A, We are wanting assistance in this fraud.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received collection letter stating that an unpaid paypal acct is in my name, never had a paypal acct. Second time theyre trying to collect, first attempt they recalled the collection after i complained to CFPB. This could go on forever. They recall when i complain and then reassign to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have contacted XXXX Superior Court and they have advised they do not give out any information to the Credit Bureau, I have asked Equifax to Validate where they gotten there information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged Account at issue : DISMSD/CLSD XXXX Overview Reference Number XXXX Date Filed Reported onXX/XX/XXXX Responsibility Individual Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation