milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Three acct. entries on my Equifax report are incorrect and are listed under XXXX XXXX XXXX XXXX. XXXX. 

1. One acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX and closed in XX/XX/XXXX, Bal of {$0.00} says 120 days past due. I have no knowledge of this account. 

2. Another acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, bal. {$1.00}, past due {$1.00}, and in collections. I have no knowledge of this account. 

3. A third acct.ending in XXXX and listed under XXXX XXXX XXXX XXXX. XXXX opened XX/XX/XXXX, status open, monthly payment {$500.00}. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Mortgage (FHA mortgage) with The J. G. Wentworth Company (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX applied for an online quote and lock in mortgage rate for an FHA 30 year fixed loan with J. G. Wentworth Home Lending, XXXX XXXX, FL with agent XXXX XXXX.. Agent said she needed an authorization to pull my credit to lock in a rate. On XX/XX/XXXX I gave authorization. Loan agent said she locked in 3.625 rate for an FHA loan for me on XX/XX/XXXX for a 60 day lock and said she would send me confirmation of the lock. She asked me to provide all my financial information on their site which I did. She asked me to send in all supporting financial documents which I did. I called numerous times without response asking for the lock in quote she promised. No positive response. I emailed her after about 20 days of not receiving it. No response. The following day I gave her an ultimatum to send the lock in quote she promised and that J.G.Wentworth advertises that you can get the same day, and if I did not receive it I would file complaints. No response the next day but the following day I received a rubber stamped introduction letter from her stating to fill out a computer based questionaire which obviously been tampered with. No matter what figures I submitted in the 6 question format, it stated I did not qualify unless iI had excellent credit and a whopping 70 % down payment. Only under these terms would she be able to get me 3.875 %. Its obvious this was a passive/aggressive way to attempt to humiliate me by fraudulently tampering with the system she submitted to me. These are foolish qualifications which indicate to me she did not lock in the 3.625 as promised. I had already been pre qualified by two other lenders and was seeking this company because they advertised lower rates. She wasted my time, and now that my escrow is getting ready to close, my new lender wants to charge me {$5000.00} in points to bring down the current rate of 3.875 % to 3.625 %. I am accusing J. G.Wentworth of 1. false advertising, 2. false promises, 3.misleading, 4. misrepresentation, 5. improper lending practices, 6. possible mortgage license violations, 7. fraud, 8. personal financial damage, 9. improper use of my personal financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to TransUnion and XXXX for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received notification on my credit report fro m TransWorld Inc stating a  owed a debt but they apparently mailed it to the wrong address because thats what the hospital had ( the original creditor ) I have perfect credit and explained to remove the debt and continued to be extremely rude and stated it was owed, I said I would contact the BBB which I did and the hospital agreed to remove it, and still nothing, it does n't belong on my credit report, I have receipts showing it was paid prior to placing it on my credit report, which I have now submitted to the credit report agencies. Still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I made an agreement with Navient where I would make monthly payments of {$250.00} a month. I was told by Navient that my interest would be reduced to .001 % and no interest would be accrued on the account as long as I make my monthly payments on time. I have made my payments on time since XXXX 2015. I have bank statements and confirmations from Navient as proof. However, Navient is reporting to the Credit Bureaus that my account is delinquent and that I have not made any payments. This is not fair as I have worked very hard to uphold my part of the new payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 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: I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.

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 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: I contacted Cash Central via Telephone Calls, Emails to let them know that I needed to close my account and send the payment through US Mail. On XXXX XXXX, 2017 I sent Cash Central a Money Order in the amount of {$150.00}. Then again on XXXX XXXX, 2017 purchased another Postal Money Order & mailed this payment in, leaving me with a XXXX  Balance. I PAID in FULL my balance from a loan this year. I received a call from a Collection Agency and I informed him, my account with Cash Central had been PAID IN FULL. I am ill & do not feel/believe it is my job to work for Cash Central nor the Collections company! Cash Central is saying I have two accounts an OLD ACCOUNT Dismissed thru Chapter XXXX Bankruptcy! No I only owed & paid for the account from Cash Central for {$300.00}. Now they want me to call around & repair what they did by selling my account to a Collections Agency. I had arrangements as I spoke with Reps. XXXX. XXXX, XXXX on XXXX XXXX, 2017 ; Again XXXX XXXX, 2017 & XXXX XXXX, 2017. I sent both Money Orders as agreed upon. I was told to send it to : Cash Central, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Acct. # XXXX - Spoke with XXXX. This is another address given to me over the phone : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. PLS. take care of this as I am ill & I do not need this Stress over the reps abusing/disrespecting me as a Consumer. Do you have a great Attorney that would be interested in suing Cash Central?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with Element Global Services (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX FROM GLOBAL ELEMENT CALLED MY WORK PLACE ON XXXX/XXXX/15 AND WAS TOLD SHE CAN NOT CALL MY WORK AND MY EMPLOYER DOES NOT ALLOW THESE TYPES OF CALLS. THE COMPANY THEN CALLED A FAMILY MEMBER A FEW DAYS LATER AND GAVE THEM INFO REGARDING MY PERSONAL BUISNESS THEN ON XXXX XXXX CALLED FROM GLOBAL AND AGAIN I TOLD HER SHE CAN NOT CALL MY WORK. SHE THEN GOT NASTY AND THREATEN ME SHE WOULD GET A LAWYER

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with PLAZA HOME MORTGAGE, INC. (HI).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2006, XXXX XXXX XXXX and XXXX XXXX XXXX, Husband and Wife, at Common Law, Tenants by the Entirety, as Fee Owner, executed a promissory Note secured by a Mortgage. ( see " Attachment '' ). The Note identified the lender as Plaza Home Mortgage, Inc. The Mortgage stated the lender was Plaza Home Mortgage , Inc., a corporation originated, and existing under the laws of California. 
XXXX XXXX was the loan officer of XXXX dba All XXXX ( XXXX ), who brokered the mortgage loan in 2006. The Professional and Vocational Licensing Division, State of Hawaii records appear to indicate that XXXX was never licensed as a mortgage broker, or solicitor. 
Also, in XXXX 2006, XXXX was not licensed as a Hawaii mortgage broker as required under Chapter XXXX, Hawaii Revised Statutes. ( see " Attachment '' ). 
A {$2400.00} broker fee was paid to XXXX. ( see " Attachment '' ). 
According to the Professional and Vocational Licensing Division, State of Hawaii, XXXX was never licensed as a mortgage broker, therefore making the Note, and Mortgage void. ( see " Attachment '' ). 
Plaza Home Mortgage , Inc., and its successors in interest had no right to receive payments on the mortgage loan because the loan was invalid, and therefore void.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX provided us internet service for a little over a month in 2014. A subcontractor picked up XXXX pieces of XXXX XXXX equipment shortly after we discontinued service. At no time were we told that we needed to have either a copy of the work order or the receipt. Approximately 2 years later we received a letter from XXXX XXXX saying we owed {$150.00} for equipment. I called them and they asked if the contractor had offered us a receipt. He had not. He obviously had not followed procedure. After 7 months and repeated calls they finally found the work order but insist that we produce either a copy of the work order or the receipt. We have received 4 messages from the Credit Protection Association demanding that we pay " now. '' At no time were we informed that we must have a copy of a work order or a receipt and XXXX XXXX waited almost 2 years to ask for the {$150.00}. Either someone walked with that equipment or they have it some place. I question waiting almost 2 years to send us a notice that they did not have the equipment. At the very least XXXX XXXX should inform consumers that they are to receive a receipt if equipment is picked up to be returned to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon

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 12-05-2016 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Using a debit or ATM card

Complaint: Navy Federal Credit Union primarily owed me {$3700.00} and I submitted a complaint against the organization due to the fact that this amount was related to fraudulent charge made on my account. Navy Federal Credit Union attempted to resolve the issue by only issuing a refund amount of {$2100.00} from the {$3700.00} which was {$1600.00} lesser than the total amount owed to me. The total amount taken from my bank account was {$3700.00} and 15 % interest rate was being charged to me for the past three years since Navy Federal Credit Union denied any responsibility of the matter. I will not be satisfied until NFCU returns the rest of the money owed to me that amounts to : {$1600.00} plus the interest back to me. I totally understand a portion of {$2100.00} was deposited to my checking account, but it is not enough. Many other veterans and federal employees have voice their concerns about Navy Federal Credit Union greedy agenda which is manifested by putting their interest above the people they represent. I give you a break down of the money that was supposed to be given which Navy Federal Credit Union did n't give. I would like to pursue the effort to regain the rest of the money back from this organization and I will stop until it 's done. 
{$2100.00} + {$1600.00} = {$3700.00} + 15 % interest charged for the past three years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These two accounts listed below are not mines and should have been deleted months ago. I have filed complaints with both companies as well as with the attorney general of Florida and Washington. I was also not notified in writing of debt prior to posting to credit report. XXXX XXXX XXXX In Opened XX/XX/XXXX {$53.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5900.00} Original creditor : XXXX XXXX XXXX  This account is more than 7 years old and should have been deleted. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off

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 01/30/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Taking out the loan or lease

Complaint: I am currently making monthly payments to Credit Acceptance for a car loan, in a duration of 4 months. I purchased the car in XX/XX/XXXX, and made a XXXX dollar down payment, with the vehicle costing a little over XXXX dollars. My monthly payments are XXXX dollars, and I learned that the value of my XXXX Chevrolet Cavalier, was only worth a little over XXXX dollars in XX/XX/XXXX, as a book value. Meaning, that I was overcharged by Credit Acceptance as well as the car dealer. This will result in a legal court case if I am not compensated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Focus Holding Company (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation