milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NORTHLAND GROUP INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I sent in my loss mitigation packet on the XXXX of XXXX. On the XXXX th of XXXX i received confirmation via email from XXXX XXXX stating that my packet was accepted as complete and in review. I receive this information via mail from us bank on the XXXX th of XXXX, this is more than the 5 days allotted for this to happen legally. I filed a complaint with XXXX and was told tha ti needed more information, this is saying that i should have received this information on the XXXX th of XXXX but i did not. I had contacted XXXX on XXXX, and several after and did not find out that i needed the information until XXXX. I immediately sent in the information via email to XXXX and was told that i was once again in review, more than 30 days after my loss mitigation packet had originally been put in review. This company is not completing my packet in a manner that is deemed timely by the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  is reporting an account that was paid in full as a charge off. I turned all of my debtors over to  XXXX  and paid all of the linked accounts off in full, early. They supplied me with the proof and  XXXX   XXXX  said they turned the account over to  XXXX   XXXX , they say the account was paid in full before any collection activity started. I have a record of all of the above. This is hurting my credit score on   XXXX   XXXX   XXXX   XXXX   credit reporting agencies.  XXXX   XXXX  is the only account that lists this kind of recording, even though I had several other cards also in the program, and no one else reported their accounts in the same manner. Payments were sent each month to  XXXX   XXXX , the proof is attached. They will not change or speak to me about it.  XXXX  said they are reporting it wrong and something should be done to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Mortgage (FHA mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Credit decision / Underwriting

Complaint: I applied for a mortgage loan thru XXXX XXXX, XXXX XXXX, NV office ; Buying a house from XXXX XXXX ; I paid {$2500.00} earnest money. The Bank qualified me for Conventional Loan ; The XXXX qualified me for FHA. my Income to debt ratio was too high ( more than XXXX % ). I felt there is something going on ; they pushed the loan and make it work within 10 days ; the house payment was too high compared to my income ; I called and cancel the loan. I asked for the earnest money back, they refused to refund me the earnest money. and, they wanted me to buy a house that I am not qualified for.. The earnest money landed with The First American Title Insurance company at XXXX XXXX XXXX ; the FHA loan takes about 45 days to be processed, it took them 10 days to get me approved based on High debt and low income. I was approved to XXXX different mortgages in 10 days ;

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with Charlottesville Bureau of Credits, Inc (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a debt collection letter I received on behalf of A Visual Affair. The bill received from the office was for {$160.00}. They reported the debt to be XXXX to Valley Credit Service Inc ( VCS ) a debt collection agency. I contacted the business manager of A XXXX named XXXX XXXX who told me they sold the debt to VCS and that the additional XXXX was added on to as an administrative fee by VCS. I asked for XXXX XXXX to verify for me that VCS added on this administrative fee before I would pay it in a conversation that I told him would be recorded. In that conversation, he assured me he would contact me back and ensure that was the case. I never heard back from him. 

When I spoke with VCS and paid the {$160.00} I owed, she informed me that their company did not buy debts and that their company did not add on an administrative fee of {$160.00}. I disputed the remaining balance of the debt with VCS. A XXXX XXXX then sent me back the same invoice for only XXXX but certified that I still owed them {$160.00} without providing an invoice explaining the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (I do not know) with Credit Card Receivables Fund Incorporated (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid immediately .... I signed for, y sister on a bankruptcy and was help liable for her debt. I satisfied this debt as soon as I was made knowledgable

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.

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 07-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am complaining about the fraudulent hard inquiry put on my equifax credit file by XXXX XXXX XXXX on XXXX XXXX, 2015. I have had never contacted them or being their customer in any way directly or indirectly and they have stolen my personal information and requested that hard inquiry. I contacted them several times but they are not responsive or helpful in anyway. I requested them to remove the inquiry but they passed me to Equifax while Equifax claims that they have no ability to remove that inquiry. I contacted them again and they are not responsive. I explained that XXXX needs to contact equifax business office to get that removed by they deny and deny anything they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 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: Old information reappears or never goes away

Complaint: Date : XX/XX/ 2007 Balance :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 11-01-2015 about Credit card () with PAYPAL HOLDINGS INC. (KY).
Issue: Unsolicited issuance of credit card

Complaint: PayPal charged a credit account I was unaware I had to complete a purchase. When I called PayPal I was told it was my default even though I had other options set up to pay wth them. I 'm confused why I have to use credit and pay interest when I have other options available. They are supposed to be helping for our security not charging credit accounts for no reason to turn a profit. The customer service rep ( XXXX ) and her manager ( XXXX ) were very rude an inconsiderate and played hardball like it was my fault. A total joke of customer service, is that how PayPal operates? Charge customers and then bully them when they inquire. I was very disappointed in a company I trusted a lot, I will no longer advise people to use their services this is abusive and potentially dangerous to many young users like myself. PayPal apparently set this account up for me when I was barely over XXXX. I had no paperwork clearly disclosing anything and could not even tell you the interest rate I am going to be charged. I thought all companies now we 're required to disclose this information prior to any accounts being issued. This is very irresponsible and needs to be addressed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. This account was paid in full and on I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. 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 03/15/2017 about Credit reporting () with Credit Plus Inc (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have sent letters to collection company stating this account is not mine send a copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While in the process of trying to get a home, I discovered that my score was lower than it should be, due to two new collections being reported by Commonwealth Financial as of XXXX 2017. I do n't understand why I would have new medical debts, since I am insured, but I am especially confused by how a company that is n't licensed to collect in my state ( Florida ) can be reporting and verifying debts to reputable bureaus. I have had this issue with the same company in the past ; Commonwealth was apparently trying to collect these same accounts from me about a year and a half ago. I was, luckily, able to have the accounts removed from my credit report after disputing them. But it is very stressful to see they can just continue to report new, erroneous debts whenever they 'd like.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Other

Complaint: I am a long time customer of Capital One - have XXXX of their credit cards. Because I am applying for a mortgage, I used their App to check my FICO score. Although their App says XXXX, that is not the case. Regardless, its lower than it should be ( around XXXX ). I determined that the lower FICO score was because of an unpaid transaction to Capital One. The dispute is regarding {$7.00} due to XXXX. However, XXXX says my balance is " XXXX ''. Months ago, I switched my autopayment from Cap 1 to a XXXX XXXX. So I do n't know how Cap 1 determined I have an unpaid balance when the vendor, XXXX says otherwise. I conducted an online chat with both parties to determine what 's going on, and later spoke to a Cap 1 representative by phone. Because the difference in mortgage interest rates is massive, I went ahead and paid the Cap 1 bill and that payment should be processed in a few days. However, it might take 30 days or longer to have the correction updated in the XXXX major credit bureaus. I need to have an accurate FICO score immediately. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX I leased a vehicle from XXXX XXXX XXXX. The lease was financed by GM Financial. I was told that the first payment would be made by the dealership. I also was told that I had XXXX miles per year on the lease. I purchased a demo that had XXXX miles on it. GM Financial said that the XXXX miles were part of my XXXX that was allotted on the contract. Also, I was told that the dealership would pay the first payment. I received a call on XXXX/XXXX/XXXX telling me that my payment was 16 days past due. When I spoke to GM Financial they said that the first payment was due when I picked up the vehicle. None of this was told to me during the signing. My sales person pushed the Demo. The sale was on a new vehicle. He told me that the financing would be the same as if it were a new vehicle but that the payment would be less because I got a discount on the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Shopping for a loan or lease

Complaint: I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Received an alert from Equifax on XXXX-17 that XXXX was removed and then reinserted at the same time dropping my credit score XXXX points.I have been disputing this account for months. I have no contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Google Compare Credit Cards Inc. (TX).
Issue: Other transaction problem

Complaint: I had phone service with google using their XXXX XXXX. When the new XXXX XXXX came out they offered a trade in program where they offered up to {$400.00} for the trade in if i bought the new phone. I agreed to this and got {$400.00} for my phone and purchased the new XXXX XXXX XXXX with my credit card. I later on decided to cancel my service with them but before I did I asked what was going to happen to the {$400.00} that I received with my trade-in. They assured me that the amount was going to be issued to the card that I had stored on file. I agreed and switched carriers. About a month and a half later i contacted them wondering about my credit and they told me the only way I would receive the credit was in XXXX XXXX credits and that no other options were available. Customer service was not able to help so he transferred me a " specialist '' to help me yet still nothing. He escalated the issue to someone else. A day later I got an email and still they were unable to do anything. Customer service recommended me to get back with the XXXX XXXX to use up the credits even though I left because of the Customer Service issues.

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