milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: This continues to be an " ongoing '' complaint I have submitted against TransUnion concerning my XXXX XXXX acct. TransUnion continues to show me as having a high balance around XXXX but it was due to the reduced overall credit limit by the company that was the holder XXXX XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted XXXX XXXX to update and report that my high balance was actually XXXX with a XXXX dollar balance. TransUnion also did not correct my payment XXXX I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX XXXX XXXX that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in 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 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Springleaf has reviewed my account and repurchased the judgment from XXXX. Also, Springleaf is vacating the judgment and assuring me that there will be no additional attempts to collect the debt. This information has not been updated to the court house of XXXX to remove the Lein, I am trying to purchase a home but can not due to Judgment still on my credit report also have not been removed from the court house. I have tried to contact Springleaf- XXXX XXXX XXXX at XXXX but he will not return any of my calls. As you can see they stated they are vacating the judgment but it has not been done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other fee

Complaint: I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has Charged off a XXXX in XXXX, and have added it to my Trans Union and XXXX credit reports as a brand new Unpaid Charge Off Debt, plunging my credit score, they have done this for the past 3 years every XXXX, the most recent is XXXX XXXX XXXX. I live in Colorado and the statue of limitations is 6 years, it is illegal for XXXX XXXX or any creditor when a debt is old to put it on a credit report as a brand new debt. I have disputed this with both XXXX XXXX and The Credit Bureaus they will not remove this debt. I have XXXX other XXXX and a XXXX with XXXX XXXX that are paid on time every single month. I have been a loyal customer to them for several years and yet I am being denied a Mortgage because XXXX XXXX continually puts this old charged off account on my Credit Report as Brand New making it look as if I just had this XXXX Charged off and refuses to remove it. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage loan with Carrington Mortgage company and the entire process was a headache. When they found out we wanted a manufactured home, instead of a traditional home, the person handling our loan, XXXX XXXX, spent half of our correspondence via email speaking on how " nearly impossible '' it would be to get approved for a manufactured home, and that I should keep looking for a traditional home as a back up. We told him we wanted this home and will do what we need to do to get it. Every time he asked for documents, we submitted them, then he reassured us it would be a long shot. His entire demeanor was unprofessional and negative. We paid for a full inspection of the home that detailed every aspect of the home, yet XXXX wanted us to pay for an additional inspection on the roof once the inspection came back in good condition. That was a waste of {$100.00} because ( in my opinion ) what he needed to know was in the original inspection. However, we spent more money and did it anyway. So, we get to within 30 days of closing, and he sends an email to my wife, my realtor, and I showing things that he said needs to be taken care of asap in order to close. Mind you, some of these items have not been mentioned on the previous list of things needed to close. So, at the last minute he threw new things at us. He highlighted several of those things stating that they would be major issues that will hinder our approval. I can forward the email upon request. He then sends this same email to the seller, which I understand, is a violation of our privacy. He sent our personal information that is on our credit that needs to be addressed, to the seller! Once they received the information, they immediately decided to back out of the short sale. In his conversation with my realtor in the early stages of the process, it was clear they did not want to finance a manufactured home and even said they would qualify us for more if we went for a traditional home. It 's frustrating to me because we invested so much time into this home, our children loved the property, and now because of this, we lost the opportunity to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My repayment of my student loan started on XX/XX/XXXX, and my loan has changed between three lenders ( according to my knowledge ) .XXXX to XXXX to Navient to XXXX then back to Navient XXXX When my loans switched lenders, the amount went up and since then i have been trying to request my full report of payments and balances. I have not been able to get the information i have requested for several years. It looks like they back charged me interest, even though i have been continually repaying on my loans since XX/XX/XXXX. After doing my own research on my account with Federal Student Aid : I found that I borrowed a total of {$51000.00} ( combination of one subsidized and one unsubsidized ) from XX/XX/XXXX to XX/XX/XXXX. My loans were consolidated on XX/XX/XXXX with the total being {$55000.00} and then consolidated again on XX/XX/XXXX with the total being {$53000.00}. According to Federal Student Aid I have paid a total of {$13000.00} from XX/XX/XXXX to date, but there is no record anywhere of my payments made from XX/XX/XXXX to XX/XX/XXXX. I have made 79 monthly payments since XX/XX/XXXX and by current balance as of today ( XX/XX/XXXX ) is {$50000.00}. I take full responsibility of repaying my loan, and i have been willingly trying to pay of my debt since XX/XX/XXXX. I am not trying to find any kind of forgiveness of my loan, but i believe that i have been cheated by XXXX and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Problems when you are unable to pay

Complaint: I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand me.

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 03-10-2017 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX XXXX XXXX XXXX hard inquiries that appear on my Equifax credit report XXXX and XXXX XXXX XXXX XXXX hard inquiry on my TransUnion credit report ( XXXX ). 
I have no knowledge of these inquiries. These inquiries were not authorized by me. My middle initial is " XXXX '' and I think my information my be confused with someone who has the middle initial of " XXXX '' Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (KY).
Issue: Fraud or scam

Complaint: Paypal credit opened a account in my name. I did not tell them to open the account. They told a company called XXXX sent them a bill and Paypal sent bill to me. Paypal is refusing to give info I need for police report. They keep sending me to other people. They will not take a fax from me with info they asked for. They will not take my info over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I am a XXXX who works abroad. XXXX. I recently deposited {$5000.00} from my XXXX bank account into Wells Fargo. The deposit was made on XXXX/XXXX/16. The deposit was processed. It was credited to my account. It was a " done deal. '' But then on XXXX/XXXX/16, the money had been taken out of my account by Wells Fargo, and " referred to collections '' without any explanation. The reference number is : " Foreign Check XXXX - for Collection XXXX. '' I owe Wells Fargo ( or anyone else ) no money. Basically, they just stole {$5000.00} from me without any explanation. I tried calling several times, but no one was able to help me. 

Eventually I got through to XXXX, who told me that it was all a big mistake and that Wells should not have done this. But she said they had mailed the check back to XXXX and asked them to wire the money instead ( without my consent or knowledge ). This means in addition to the foreign check fee that I paid when the check was initially deposited, my XXXX bank and Wells Fargo will be charging additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, successor to XXXX XXXX XXXX, Raush, Sturm, Israel, Enerson & Hornik , LLC, their attorney in Texas, XXXX XXXX XXXX, appointed receiver, XXXX XXXX XXXX, XXXX, and XXXX XXXX -- - My XXXX XXXX account was frozen by appointed receiver XXXX XXXX, and my entire funds of {$1500.00} liquidated with no prior notice given. Supposedly I was served on XX/XX/2011 ( 5 1/2 yrs ago ) @ XXXX XXXX XXXX XXXX , XXXX , Tx - address of XXXX, a grocery store where I have never worked. I was not served nor contacted prior to this action. 

The frozen money is the only money I have to pay mortgage, utilities, gas, and food. This past summer, XXXX. I was XXXX for 2 months. I have a XXXX and will need additional XXXX. I am unable to work, my wife is my caretaker and I have other medical issues that affect my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: I went on XXXX XXXX last night and my data has been breached, when I try to apply I get kicked off of the site. I have called three times, I am left on hold for over an hour. Site mentions that I can call XXXX from XXXX, when I try to sign up, I get kicked off. I am concerned with my data being breached being I have already been a victim of ID theft four times, it has effected my credit file and score.

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 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Bank account or service (Checking account) with DISCOVER BANK (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 at XXXX, I sent a request to Discover Bank to transfer {$500.00} from my XXXX XXXX XXXX account to my Discover Bank account. The purpose of the transfer was to cover a checks that I had made, they sent an acknowledgement of XXXX. Discover Bank sent me an acknowledgement see exhibit XXXX. 
On XXXX XXXX, I received a notice from Discover that the transfer was completed on XXXX XXXX, In the notice they made no mention that the funds would not be available. See exhibit XXXX. 
On XXXX XXXX, they sent me a notice that they returned my check for XXXX due toinsufficient funds. 
I called them and they state they reserve the right to wait up to 5 business days for the funds to clear. It took XXXX calls and over XXXX hours of time discussing the concerns of insufficient notice. 
My concerns are this. 
1. In the XXXX XXXX email, they stated nothing with regard to their funds availability policy. Therefore, from that email, how would i know that they would they would not be making the funds available from the {$500.00} deposit requested on XXXX XXXX? 
2. On anACH transfer why would any financial institution take 5 days to clear a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.Experian put a Identity Thief on report due to the unauthorized 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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have several queries from the same provider ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my TransUnion and XXXX accounts. Please delete these queries 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 08-11-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Making/receiving payments, sending money

Complaint: I had an account with Wells Fargo that I paid on time every month with out any late payments. They reported a late payment on my account and although the account has since been closed they are continuing to report the late pay on my account and negatively impacting my credit score and my ability to get the best interest rates on credit. I paid the final payment with a check clearly dated on XXXX/XXXX/2012 as the payment was due on 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 06/17/2016 about Payday loan () with Avant Credit Corporation (MI).
Issue: Can't contact lender

Complaint: I took out an online loan with AVANT in the amount of XXXX simple interest being charged at 35.9 %. I live in the state XXXX. Avant later posted rates for the state with similar score and profile as mine in the amount of 29 %. I requested information from AVANT on how my rate was determined. The request was made by phone. I made a second request, and subsequently a third request. I was told it would take 45 days to respond. I called on several occasions and asked to speak to a supervisor. I did not receive a call back and AVANT sent me a response after the 3rd request over 60 days later regarding an answer to my question, how was my rate determine. The answer by AVANT referred only to it is determined by the computer system. I re-applied for a refinance to lower the rate recently with AVANT. My credit profile is stronger, my debt lower, and my payment history has been excellent the past 6 years. In order to refinance, AVANT states you have to take out an additional {$1000.00} above the current amount of your outstanding loan. I was denied the ability to refinance to the lower rate. Again, rates posted are lower than the rate I was given. Avant does n't respond to the borrower 's, effectively nor timely. The underwriting process to determine rates is not systematic and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, my personal information including but not limited to name, social security number, date of birth, address, and driver license number was compromised and exposed. Equifax detected the hacking back in XXXX, but did not announce or contacted any victims including me until early XXXX after 3 of its senior executives sold their company stocks. As a victim of Equifax breach, my identity was no longer safe and private to myself. At this moment, I believe that Equifax should do more to control the damage to innocent citizens, and prevent future compromise, e.g. offering free credit freeze instead of just monitoring with their own service..

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Account opening, closing, or management

Complaint: I have had a " Build to order '' checking account at Compass Bank for over six years. 
I started getting fees late last year while I was between jobs. My auto deposits stopped while I was looking for work. In late XXXX of 2015 I started working again and the auto deposits started. I increased the amount of the deposits to {$270.00} per semimonthly pay period. This total {$550.00} per month in auto deposits. 
I have called and asked the bank what these charges are for and they say that the individual deposits have to total more than {$300.00} per semi monthly period. Aggregating the deposits monthly is not allowed ( this is an unannounced change ) and it is costing me {$10.00} per month where it did n't before.

Company response to consumer: Closed with monetary relief