milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. 

I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My Chase Private Student loan fell delinquent in 2011 due to unemployment. I called numerous times to resolve the delinquency and apply for forbearance, but was told there was nothing that could be done. A few months later, it fell into collections and was charged off. I have called many times to see if payment arrangements can be made, but they are demanding the balance in full. I am in the process of buying a home, and can not pay the balance in full, but would like to begin paying on this loan. I need assistance dealing with the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XXXX XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XXXX/XXXX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX Credit Department to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ]  The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Receivables Management Partners, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: RMP Services is on my credit report and this does not belong to me. It has a balance of {$220.00} and it indicates Medical. I would like it removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has been calling my work several times a week since I cleared my credit report of false reports and debts with a company called XXXX XXXX XXXX. They sent a notice stating that I owed them- Portfolio Recovery- a sum of over {$17000.00}. This is false. The agent that I spoke to said that this is an old credit card debt that has passed the statute of limitations and can not be sued for. The agent would not listen to me stating that I do not owe them this money, the debt is not mine, to stop calling me and cease all communications. He continued to interrogate me with personal and financial questions, I refused to continue answering him beyond my name, address and birthdate. He kept trying to prevent me from speaking, talked over me and I demanded mail me proof that it was my debt and that I did owe his company so that I may give it to my attorney because I do not. I get approximately 2-3 calls a day at work and the mail is also delivered to my office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (HI).
Issue: Using a debit or ATM card

Complaint: I was XXXX a bar for 6 months while the owner rested. I was misled into believing that I needed to pay the utilities and inventory. I did not have access to the business ' bank account and was not authorized or comfortable using the cash for the register, so I misled into thinking if I pay it I would be reimbursed, however I felt very uncomfortable and did some research with Hawaii State Liquor commission, what the owners were doing was not legal in the Boards eyes and they 've be called to a hearing to explain themselves. I paid the funds from my business debit card with XXXX and my Paypal business card as well as m personal debit card, Paypal and XXXX has closed my dispute with no resolution. 

Almost {$15000.00} dollars was taken from me and it has severely hurt my family 's livelihood. Their judgment was I authorized the charges there is no there is no case to dispute however I feel likeIt was falsely paid

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage Co, Nationstar has not given me credit for one of the monthly mortgages payments I made this year. 
Between XX/XX/XXXX and XX/XX/XXXX I made partial payments which were misapplied to my account by Nationstar. I have been on the phone multiply times with their representatives in an effort to correct this without success. 
At my request they sent me a transaction history on my account it confirmed that through XX/XX/XXXX my records agreed with theirs. However after XX/XX/XXXX it is impossible for me to decipher the transaction history they sent me. 
But the bottom line is this, between XX/XX/XXXX and XX/XX/XXXX I paid a total of 6 payments and their records only give me credit for 5 payments As of XX/XX/XXXX they say that I was past due for the XXXX XXXX payment and that 's not true. At that date I was next due for the XX/XX/XXXX payment. 
Please see attached the transaction history they sent me, together with my notes listing the payments I 've made since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Prepaid card (Mobile wallet) with SYNCHRONY FINANCIAL (NC).
Issue: Managing, opening, or closing account

Complaint: For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

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 10/25/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Finance acct # XXXX, should have been paid by my Insurance XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just now a different County. They never submitted charges to XXXX, and now it is in Collection.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.

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 04/17/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Application, originator, mortgage broker

Complaint: This complaint is associated with a home loan I was applying for with Bank of America. Details of this issue are included with the attached letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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: Transunion, XXXX and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There was a computer glitch that was with Transunion that caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them.I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. Could you help make TransUnion stop victimizing me. Can I please have a resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added.

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 02-02-2016 about Debt collection (Medical) with Bonneville Billing and Collections (ID).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Bonneville Collections in XXXX Idaho refuses to provide me with the names of the original creditors and the amounts so that I can verify the debts. All they will provide me with is the total amount due and no names of original creditors. They refuse to do so saying that they do n't have my current address and until they have it they will not give me that information. I have a recording of our conversation as proof of this refusal to provide me with the information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KS).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I fi  led a complaint with your office a couple of months ago regarding a late fee assessed by Chase on my credit card. Specifically, they applied a payment that should have been for the new billing cycle to the previous billing cycle. I called and complained, so they removed the late fee from the account and I followed up by filing a complaint with your office due to how they improperly billed the account.
Since then, even though the late fee was removed, they have bille  d interest twice on the late payment. My first balance subject to interest is on  XXXX , so I should not receive any interest on balance transfers and have never made a purchase on the account. So it is clear they are billing interest based on a late fee that was removed. I am including statements for your records to show the interest billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with Hosto & Buchan, PLLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished XXXX. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed XXXX XXXX XXXX and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, Hosto & Buchan Pllc. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to apply for a modification for over a year with Wells Fargo. It has been a very stressful process due to the infinite excuses on why my loan does " not qualify '' for a " XXXX '' modification or any government modifications through my investor, XXXX, participates in all of them. I was approved for the " My City '' modification a few times but the payments were only {$200.00} less from my original mortgage payment, plus I was not granted any principle forgiveness so, I had to appeal. In XX/XX/XXXX, I spoke directly with XXXX due to Wells Fargo slamming me with " sale dates '' and denying my loan over and over again. Through XXXX, my application was reopened so I was able to reapply in XX/XX/XXXX. I asked to be reviewed for ALL government modifications that my investor participates in and again, they denied me due " not having enough income ''. How is it my income was never an issue when I was approved for the " XXXX '' modification? I was told that if there was a change in my income, then I could reapply. I appealed their denial, submitted proof of extra income that I receive through rent, but Wells Fargo denied my appeal as well. I tried applying again with the change of income, but I was told that no matter how many applications I submit, I will no longer be reviewed for any modification, not even an " in house '' because " I applied too many times ''. I was told in the past that I can apply as many times that I needed to as long as it was before the deadline, XX/XX/XXXX. To add more to my distress, I was given a sale date for XX/XX/XXXX! I am so frustrated with Wells Fargo. I feel as if they just do not want to work with me. My wife had an accident at her job which caused us to fall behind because with both of our incomes we were set and on time with all our bills. We have XXXX daughters we provide for as well. I did not fall behind due to poor money management! My wife is receiving XXXX due to her accident but it is not even half of what her monthly income was. I thought Wells Fargo would understand that these type of situations are not foreseen. My wife suffers XXXX and is constantly crying and blaming herself for our mortgage trouble. How am I supposed to explain to her that our home is going to sell XX/XX/XXXX? I was not planning on packing my things during the holidays. I was hoping Wells Fargo would provide me with an affordable work out option. I am so overwhelmed. PLEASE HELP 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 explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverside Mortgage Group, LLC (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!

Company response to consumer: Untimely response