milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (CO).
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: XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified inXX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet again XXXX reported late payments forXX/XX/XXXX and XX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.

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 08/21/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through Trans Union, XXXX, XXXX please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX are listed wrong please delete bankruptcy.

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 06-06-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings  account since  XXXX   XXXX  of last year. The funds were sent to a closed credit card account ( it has been closed since  XXXX   XXXX   ) a nd the following unauthorized transactions were posted to my account :  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$170.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$100.00}  XXXX   XXXX   XXXX  - {$54.00}  XXXX   XXXX   XXXX  - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by  XXXX   XXXX   XXXX   XXXX  on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been  with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in  XXXX   XXXX  and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills.  <P/> Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The loans were not fully used. They sent Pioneer Credit after me, threatening to take everything i have if I did not sign up on a payment plan. I signed up paying around {$500.00} a month until it was paid off. Now XXXX is claiming I still owe everything and is harrassing me for payments. I also asked that the portion of the loans that were not used be returned since I only used less than 1 years worth. On top of the loans I had to pay the school, XXXX XXXX XXXX XXXX and XXXX $ XXXX/month. 6 years later here we are still " owing ''. I also never received anything, I was supposed to get financial aid, not loans.

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 12-01-2015 about Credit card () with Conn's, Inc. (TX).
Issue: Other

Complaint: for XXXX entered into an agreement to combined XXXX accounts into XXXX account. All docs were emailed and fax 'd several times. The email address and phone number to that particular department ( combined offers ) Never get a response nor does anyone answer the phone, and the rollover feature that 's on the phone is bogus. When I called into the main number I was informed its in process, I called XXXX and XXXX to express my concern on how this is going to be reported, as I have been told a payment is not due while this is being worked on. I was told several time this will not affect your credit. XXXX they reported XXXX delinquent. This dropped my fico score XXXX points, I guess because its multiple accounts. i called to inform them of this. Conns have some very unethical practices and do some things illegal. Such as call your number cell and home XXXX times a day and leave numerous messages. i have never been 30 days with this company and have paid accounts off early. but yet they call prior to the bill due and after, they have several different numbers they use, its harassment. it is very stressful!!! its unfair to treat customers this way. I have uploaded a few pages of my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and i are trying to buy a house and when my credit report got pulled a judgement of XXXX was on my report. When i dug deeper into it i realozed that this debit belongs to my father and not me. a couple years ago he showed me a letter stating that he needed to appear in court because midland funding was suing him for an unpaid balance.Also said it was for a credit card my parents decided not to pay anymore and just let it go. Now fast forwarding its on my credit and not my fathers. We have the exact same name cause we dont use our middle name. Midland funding did not investigate this matter to make sure they had they right person and now its affecting me and my family. I need this taking off my report immediately.My parents had the card for a very long time about 15 or 20 years. so that alone says i would be to young to have a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Private student loan) with CITIBANK, N.A. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan with Citibank whom I can can not speak to about any my questions, concerns, or complaints.They are being serviced through XXXX XXXX, XXXX and they basically can only collect payments. Months ago, I tried to contact Citibank and XXXX to have my loan payments lowered and/or postponed and I received no help. On XX/XX/17 at XXXX XXXX, I called to make my monthly payment so that I would n't receive a late payment reported to the credit bureau and I was informed that XXXX reported the late payment at XXXX XXXX. Now my credit score has plummeted and they will not give a curiosity removal or reversal even  through I made the payment the same day as the reporting. I had no idea that they report to them at XXXX XXXX or I would have call on my lunch hour at work to make the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN fails to remove the XXXX XXXX XXXX account information. EXPERIAN reports incorrectly the account is past due .EXPERIAN reports incorrectly the account status is Unknown. EXPERIAN reports incorrectly that the account is {$18000.00} past due. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 12/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Call on  XXXX   XXXX ,    2017  and told Transunion about inquiries on my report that are not mine. They told me that there was nothing that they could do and that I ca n't dispute them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: there is a collection agency XXXX XXXX that is on my Experian report. the original creditor is XXXX XXXX at XXXX I do not owe them the amount they claim I do I lived there for 3 years and owed them one months rent, I have tried to pay them several times they will only accept 3 months rent. i do not go with they say I do XXXX and XXXX have investigated and taken It off their reports Experian for some reason will not please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OR).
Issue: Other transaction issues

Complaint: This morning I submitted payments for items I bought on Ebay, with the " Pay After Delivery '' option fully on display and understanding this as a term of my authorizing the payment. Half of these purchases did not go through as " Pay After Delivery '' and are now completed, even though I did not authorize this. 

I ( after one lengthy hold ) explained my situation to one of your " customer service '' ( and I do use that term VERY lightly ), who informed me " nothing could be done ''. I suggested she simply reverse or credit the charge and then resubmit these charges as requested ( and specifically dictated by the terms I agreed to ), which she replied she could n't do that. Even though you absolutely can and this is per MY request, for MY money for you abiding to the terms specifically outlined and agreed to. 

This constitutes a breach of contract for the agreed to services by you. I am now still waiting ( 43+ minutes ) to speak to a supervisor, who just now came on and can not fix this. You need to act in good faith, you need to fix this. I am contacting my bank to dispute these transaction and they will put a hold on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: i received a reply from HSBC on case # XXXX, here is my loan # i had with them XXXX, they didnt have enough information to process my loan, yet i called and was given my own account # hmmmmm. I PAID this loan off, it was NOT transferred. Also they show my last payment late XX/XX/XXXX when loan was paid, my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is 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 01-09-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I paid off Nissan Motor Acceptance Corporation in a timely manner. I do n't understand why a charge off has been placed on my credit report. Nissan requested that a payment in the amount of {$850.00} had to be paid in full by XXXX/XXXX/2016 by XXXX XXXX. I paid the {$850.00} by the date that they specified at XXXX XXXX. They informed me that the payment was received on XXXX/XXXX/2016. I informed they of my payment on XXXX/XXXX/2016. They stated that it did not meet the deadline that they requested and XXXX XXXX XXXX time was too late because they closed at XXXX XXXX. I was not informed of the time specifications and as a result they placed a Charge off on my account. I would like to dispute this because in all earnest I made every effort to pay by the deadline that was set by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I started receiving credit alerts from credit reporting agencies on or abou t   XXXX   XXXX   2017 reg arding negative actions. Once I researched I found a collection agency 'parked ' a medical collection to all  XXXX  of the major credit reporting agencies. The debt was for {$94.00}. Prior to the alerts I never received calls or mail notices regarding this debt. The company did not give me an opportunity to dispute the debt before 'parking ' the debt to the credit bureaus. Since I did not want the negative information on my credit file I paid the debt. After I paid the debt on    XXXX   XXXX   2017 the  company then sent me the notice of debt with the amount due and dispute language.   The company violated regulations improperly reporting the debt to the credit bureaus before notifying me and giving me the opportunity to dispute the debt.   The collection company wrongfully damaged my credit.   The collection phone # 's are  XXXX  and  XXXX .

Company response to consumer: Untimely response
Consumer complaint received 07/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Arbitration

Complaint: barclays bank placed an account with their attorney who consequently filed suit for a credit card account that Barclays refused to negotiate a reduced interest payment plan so that we could pay the principal balance at a XXXX interest rate for 5 years. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa filed suit against us in the beginning of XXXX according to a letter we received XXXX, however we were never notified or served a notice of a court date. They instead served our documents to another individual being sued by Barclays and we in turn received his documents. Docket XXXX. They further advised that they are entering a judgement in this matter on us. They were sent a letter by me on XXXX via certified mail concerning this matterDue to their error, we never had an opportunity to present our side and they also compromised our personal information including address etc and financial information to an individual that we do not know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: According to the New York State General Business Law Section 380-j " ( f ) ( 1 ) Except as authorized under paragraph XXXX of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information. 
( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than XXXX years ; ( ii ) judgements which, from date of entry, antedate the report by more than XXXX years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a XXXX year period from such entry date, shall be removed from the report XXXX years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than XXXX years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred XXXX of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than XXXX days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than XXXX years ; " I called Experian and mentioned that I have a charge off that was sent to collection and since I paid the collection and it 's past the XXXX year of NY SOL to exclude it from my credit report. They was able to remove my collection account but refuses to remove the charge off that was tied to the collection account. This is a violation of the NYS Statue. I explain that this is blatant inconsistency in their application of the NYS statue, which groups both collections and charge-offs under the same exclusion provision. This is improper of handling by the CRA.

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 03/19/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX was submitted XX/XX/XXXX. At the time I submitted this complaint, I had dealt with Rushmore Mortgage directly endeavoring to get them to stop the continuous daily calls I was receiving trying to collect on a mortgage for which I was not responsible due to bankruptcy. They denied having knowledge of the bankruptcy, even though I had spoken with them about it repeatedly and had written them repeatedly referencing the bankruptcy requesting them to cease the pursuit, they continued to do so. When they were unable to trick me into paying, force me into paying in retaliation they placed reported to my credit bureaus a past due mortgage amount that had been discharged in Federal Court. On XX/XX/XXXX Rushmore responded the referenced complaint indicating that they would remove the reporting from my bureau, yet it is still there now in XX/XX/XXXX. I would like them to remove it immediately and send me a letter indicating that it should not have been there in the first place and they are going to remove it from all my bureaus. Rushmore, when speaking to me, represented themselves as the new note holder, but when CFPB was involved, they identified themselves as the servicing agency for XXXX XXXX XXXX. This credit bullying and racial discrimination practices is damaging to anyone who is exposed to these tactics and this needs to stop. Them denying their intent and then walking away with no penalties of any kind is one of the reasons it continues. Please assist me in procuring the resolution once and for all.

Company response to consumer: Closed with explanation