milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with ZARVAD III S.A. (LA).
Issue: Struggling to pay your loan

Complaint: I have been dealing with this company for the last past 8 months. I received XXXX dollars from them back in XXXX of this year. Since then, they have been taking XXXX dollars every two weeks out of my paycheck. I have calculated they have taken almost 5000 dollars from me and this needs to stop. I have fallen behind on all my bills due to this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Opened an American Express account so that we could use on vacations so that we would not have to carry cash with us. After coming back from vacation we received a bill saying that it must be paid in full. They would not accept payments and turned it over to a debt collector with which we settled with out of court. They told us that as long as we did not miss a payment then there would not be a judgment. Am Ex is still reporting our account delinquent and the judgment has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: I banked at Bank of America, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Bank of America reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Bank of America placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Bank of America check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Bank of America flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was " bad. " I am frustrated because Bank of America allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reported a collection item on my credit for XXXX from 2014 ... I did not have XXXX service in 2014 and have not for at least 7 years. I believe I have disputed this before and gotten it removed but have not seen it in several years. Popped up again this month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: Recently my available credit limit was {$400.00}. Due to the recent heat wave, I was waiting until the weekend for a sale to purchase an air conditioner for my elderly mother whose central air conditioner has ceased working. As I was in route to Home Depot, I contacted the credit department to ask for an increase since I may have needed additional funding to cover the purchase. I felt extremely confident in this request since previously Home Depot credit department has constantly harassed me with numerous phone calls even when I made payment arrangements to make payments that were financially impossible to do, I made them anyway. During the phone call I was told that my available credit was decreased and that I would be receiving a letter in the mail shortly explaining that it was due to my credit score and not with making my payments as I was told to. This situation was unwarranted since I made my payments when Home Depot requested and I thought that that was the reason why I had {$400.00} available credit.

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 05/16/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Closing on a mortgage

Complaint: I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Years ago I purchased credit monitoring service thru Trans Union, since ive stopped using that service I am not allowed to review my credit report online with annualcreditreport.com. This is a huge inconvenience and I fell that it is retaliatory for not continuing to pay for their service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUMMIT FUNDING, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On a past mortgage account I had with Summit Funding from XX/XX/XXXX to XX/XX/XXXX, there  was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called Summit Funding and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on Summit Funding due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on Summit Funding and their guidelines state that they will correct any errors that occur on their behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.

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 09-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient told me to get my form stamped. Then denied it again saying the date was wrong and the third time said was denied because my new school is not under the XXXX XXXX Program. I asked about the statement and I quote : " '' Deferment Only '' means that U.S. students may defer making payments on existing federal student loan accounts while enrolled in an eligible program at a deferment only XXXX university or college, but may not take out federal student loans for enrollment at the deferment-only XXXX university or college. '' I asked about that and they just said I must keep paying them monthly. Now my account is delinquent and I can not pay the loan and school at the same time. They have in their site a 48 month deferment period may be granted. Also I asked twice for a XXXX representative and just got a translator for a few minutes before he left and I had to keep trying to finish the conversation without help. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ().
Issue: Fraud or scam

Complaint: Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX University I am attaching supporting documentation to have these accounts three accounts reinvestigated. 
Experian will not provide documentation regarding verifying public records. They've provided several generic statements regarding verifying through 3rd party companies, but will not identify the name of the company. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

As it relates to XXXX XXXX University, I have requested validation from XXXX and they have not provided an account with my signature. Therefore this account should be deleted. You allowed XXXX XXXX University to report the account as a collection account in XX/XX/XXXX and  Closed in XX/XX/XXXX, but XXXX sent Statement of account showing payment in XX/XX/XXXX.  That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. 
I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 

Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately reported XXXX XXXX University inaccurately reported

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 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL XXXX To Whom it May Concern : XXXX, TX XXXX XXXX, GA XXXX TransUnion , LLC XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Creditor Name Inquiry Date Removed By* Type XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX FL 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 03/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: When i reported Equifax to you regarding their refusal to remove of a lier entered in error my credit score was XXXX. And after they removed that record as result of my complain to you, my credit score went to XXXX a XXXX points drop, at the time it is customry for credit score to increase after removing a nigative record, In Transunion my credit score had XXXX points jump. 
I wonder what is the likelyhood that Equefax revenging my complain to you, and who should i ask for help from such egregious mishap. 
Now, i need a business loan badly and such drop would either make it harder to get a loan or might have to obtain one with very high interest rate. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is the servicer of my home mortgage. They delayed the closing of my mortgage because the bank was not aware of how to calculate interest on federal savings bonds. I have reason to believe that, due to my relative youth ( XXXX XXXX XXXX at time of purchase ) they gave me a worse interest rate than what was available to them, thereby taking advantage of my relative ignorance in the process. They promised to close the day after my receiving my closing disclosure in clear violation of TRID. Wells Fargo has also participated in fraudulent account creation which I believe affected my interest rate. This fraudulent account creation is illegal and immoral. I no longer have confidence that Wells Fargo will handle my money responsibly. I do not believe that they are acting in my best interest. Their fraudulent and illegal actions have affect the price of the service they offer. That is a violation of the mortgage agreement I signed with them. They also demanded escrow payments months after they went into the red on the account thereby hiking my mortgage payments significantly.

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 01/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A card authorized to my mother by my fathers credit card was falsly reported on my credit report. Per XXXX XXXX ( XXXX/XXXX/2017 ), they do not have my ss # on file for this cc or for it to show up on my credit report only the shared name of my mother.

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 01/25/2017 about Mortgage (Home equity loan or line of credit) with Dyck-O'Neal, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation