milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My name is XXXX XXXX SSN XXXX, DOB XXXX/XXXX/XXXX. There are about 40-50 inquiries on my credit report if not more that I DID NOT authorized, i contacted the creditors and they told me to deal with Experian which to this day all they say is inquiries are valid without even investigation, I noticed all of these inquiries appearing after the data breach, and I need to have all inquiries removed right away. I did n't authorized the inquiries and they were not made by me, I am only supposed to have like 2-3 inquiries. I 'm not sure if Experian has have any hacks or anything but they are not mine, I do not want to hear a resolution saying that the inquiries are going to stay and that they are valid, ACTUALLY INVESTIGATE AND REMOVE ALL INQUIRIES.

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 01-05-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Store Return XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2018 Transaction ID : XXXX XXXX XXXX 2018 Merchant Credit Hold for Review - XXXX XXXX XXXX XXXXXXXX PROCESSING - {$96.00} Why isnt the money available now? We are currently reviewing this merchant credit. This review can take up to seven ( 7 ) days. During this review period the merchant credit will not be available for use. 
Transaction ID : XXXX Why does it take a whole week for American Express to refund my money. Why do American Express have to review a refund that takes 7 days. It is now day 5 and it is inconsiderate and wrong for American Express to just hold my funds when I have bills to pay. American Express policies are erroneous and does not benefit us customers, but instead add more stress and mistrust in American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Transunion several times regarding inquiries that was not initiated by me. They refuse to remove them. I would like proof of these inquiries. They are as followed : XXXX /XX/XX/XXXX, XX/XX/XXXX 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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TN).
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: Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint on XX/XX/XXXX regarding a recast from Ocwen Loan servicing. The case # is XXXX. I received the modification agreement on XXXX XXXX, 2016. Ocwen lowered my payments for only nine months & it will return back to the amount I am paying now. As I explained in my last letter, This modification was suppose to take place months ago and Ocwen is just modifying my loan and cheating me with this bogus Modifcation. My first modification should begin XXXX through XXXX. Please research.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USA DISCOUNTERS LTD (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx 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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly

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 11/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Transaction issue

Complaint: I added a new checking account to my payment options. This checking account had enough money in the account the pay my credit card balance, in full. The new checking account was confirmed that is was active but the payment that I made on the credit card was taken from another bank account. This bank account did not have the money to make the payment, in full, on my credit card. Due to the money not being there BoA attempted to withdraw the payment, and a {$35.00} Insufficient Fund was added to my account. This amount was then " added back '' to the account, only to be removed a few days later, also causing another {$35.00} Insufficient Fund. 
BoA did not have approval to remove money from the previous account. The new account was added to make this payment because that is where the money is. Now there is {$70.00}. 
XXXX in insufficient fees added to my account that BoA is responsible for and money that was withdrawn from the incorrect account. What is BoA going to do to correct their mistake?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX 2 )  XXXX XXXX XXXX ( XXXX/XXXX/XXXX 3 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 5 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 6 ) Chase card ( XXXX/XXXX/XXXX ) 7 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 8 )  XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 9 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 10 ) XXXX XXXX ( XXXX/XXXX/XXXX ) 11 ) XXXX XXXX XXXX (XX/XX/XXXX6 ) 12 ) XX/XX/XXXX ( XXXX/XXXX/XXXX ) 13 ) XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) 14 ) XXXX XXXX ( XXXX/XXXX/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 04/28/2015 about Payday loan () with CASHCALL, INC. (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: In XXXX XXXX I received a loan for {$2500.00} from XXXX XXXX XXXX that i planned on paying back within 2 months. I did n't get paid by employer what I was supposed to ( won a judgement against employer in XXXX XXXX ) and was n't able to pay the loan off immediately. The loan was serviced by CashCall ( a subsidiary/affiliate/shady partner of XXXX ) and eventually was transferred to XXXX XXXX ( another shady affiliate ). I made monthly payments of {$290.00} for 12 months. This amounted to {$3500.00}. About this time I did some research wondering why XXXX different companies were involved in the loan. That 's when I discovered all the different complaints and lawsuits and legal issues with the XXXX companies. I also found out that recently XXXX XXXX XXXX website had been shut down and had US government agency labels on the site. I decided that obviously they are n't doing things legally so I stopped paying. My credit was n't good so I did n't care, I knew I just could n't keep paying that amount, I was raising a child at the same time. I cancelled my bank account. The harassment came almost daily. Phone calls everyday, emails, and letters. I eventually told them they had the wrong number and the calls stopped. Eventually it came down to an email every other month offering a settlement with an ever increasing outstanding balance. Now it is XXXX XXXX and i am trying to qualify for a mortgage and this is hurting my credit which is now much better than it used to be. 
The entire loan was null and void from the beginning. XXXX XXXX XXXX was issuing loans that were illegal in their state and in my state of Arizona.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I paid-off my installment loan on  XXXX / XXXX / 17 .  Prosper  does not want to give me a pay-off statement. Please help me. Thanks  Loan  #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with CORELOGIC INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: a internet bill from XXXX XXXX XXXX I did not owe. I had inter service that stoped working so I called them, they tried to fix on the phone my internet was off over a mouth I asked to send a repair man they said no, they said my modem was bad, and they said we will send a new one at over 120 dollars I said no, so they said it would be no charge. I told them to cut off my service, but they sent the modem anyway it still did not work, so I got another internet service. mean while they sent a repair truck, he found a line down across the road, then they sent me a bill for the modem & internet service XXXX dollars, I called them, they said I had to pay. I said no, so they turned it over to a collection co. they called me an said I had to pay she said she would put it on my credit report so I paid it! I have a witness to this

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 07/27/2017 about Debt collection (Other debt) with LENDMARK FINANCIAL SERVICES (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have sent a cease and desist letter to this creditor and they are still contacting # s that was on that cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My name is XXXX XXXX XXXX and I opened a PayPal account and i became an American citizen about 20 years ago, so my XXXX name is very difficult to pronounce. I made a PayPal account to receive a few payments and when I did, I didnt think too seriously about the name since it was digital and since the bank that would be verified would be under mine, so I used my daughter and sons name as " Name '' section when I opened the account. I received about {$700.00} into my Paypal and even upgraded to a Business account. They put a limitation on my account and said that I needed to send in all these documents to confirm my identity and my business. I sent them ALL the documents needed. They denied my request and will not let me close the account or withdraw my money. The email account linked to the paypal account is XXXX. It has been about 2 weeks since they put a limitation and I do not know what to do anymore. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I need to file a dispute about the addresses and spousal/coapplicant information is wrong!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a credit card through my bank, Bank of America. I was offered balance transfer at 0 % interest for 18 months with some upfront fee. I took that offer and transferred some balance XXXX approximately {$6000.00} XXXX from the credit card to checking account. I use this credit card for making some purchases as well. I have been paying down those purchases in full every month in a timely fashion. I have also been paying down a part of the balance transfer amount regularly and I intend to repay the full balance before the expiry of 18 months. Yet, I see some interest charge on my account every month. When I called the bank I was told that this because I have a balance in my account left. This balance amount remains because the money owed on the balance transfer offer is not due yet. I do not want to repay the full amount from the offer yet as I already paid fee on the balance transfer offer. Now, it 's bank 's policy to charge interest on purchases as long as there is any balance left in the account which seems wrong to me as I have been repaying purchases every month. Bank has been reversing that interest for the last couple of months after I call them. But I find this practice unfair as I have paid interest when I forgot to call them or when the bank had a customer service representative who was not kind enough to refund that amount. 
In my opinion there are many customers of various banks who are paying this kind of interest even though they keep paying the full amounts incurred because of the purchases due to this policy.

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 01/25/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: my account was hit by a skimmer and an illegal XXXX $ stolen from my acount this money was set aside for home inspection due to us buying a house td bank was contacted via local branch and started the process of getting my money back card was canceled and new one issued my account was expedited but noting has happend i still dont have my money and now no t able to pay my inspector they are dragging their feet on this the criminal who did this tried to hit my account the same day on 3 other occasions that morning but thank XXXX visa caught it

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have a complaint against Nationstar Mortgage. I had applied for a HAMP modification Loan in XX/XX/2016 only to find that the application was pulled in XX/XX/2016. I did not find this out till XX/XX/2016 after I called them and was told over the phone that the loan application was pulled. The person on the phone could not tell me why it was pulled. He did tell me that there was a note in my file that the property was condemned. My home is in the process of being rebuilt after Superstorm XXXX. In XX/XX/XXXX when they pulled my application, the structure was already built on piles. The siding and roof on, as well as the doors and windows in. Neither the township nor the county I live in is going to condemn a new house being built with a state HUD Grant under the NJ RREM program. Nationstar had to have made this determination that the property was condemned. I do n't know if this had anything to do with the pulling of the application, because I never received any form of communication that it was being pulled. Can a mortgage company decide to pull your HAMP modification loan application without giving you notice that it is being done? Or without giving an explanation as to why? I had just learned that XXXX had filed on XX/XX/2016 to foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX ( " XXXX '' ) dispute ( not default ) Received letter dated XXXX XXXX 2011 stating all XXXX lease payments paid for term of lease matured. However, the XXXX online system indicated XXXX payments due. Substantial correspondence file in this regard including a number of letters to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: At last payment, after 30 years of direct deposit payments, Wells Fargo put s lien on my home for {$150.00} I was never billed for.

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