milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Trouble during payment process

Complaint: Today, XX/XX/XXXX, I received a XXXX XXXX XXXX alert on my checking account. I have alerts set up to notify me of withdrawals from my account. 

I was alerted that a withdrawal of {$820.00} was deducted from my personal checking account from Freedom Mortgage Company. 
This was taken from my account without my authorization or permission. 

I tried to submit a payment yesterday on line to Freedom Mortgage which I have done for the past 2 years. The auto system said all three times, there was a problem with my on line payment to contact costumer service. I contacted costumer service and was told that the mortgage company had a new system and was having problems excepting payments on line from XXXX users like myself. He refused to take a payment over the phone unless i was willing to pay {$15.00} service charge. 

So I got off the phone with Freedom Mortgage and used my I pad to try and schedule a payment for XX/XX/XXXX. It took my payment for next month. I printed copies of the confirmation for XX/XX/XXXX. 

When I received the XXXX XXXX alert, I contacted Freedom Mortgage immediately and I spoke with XXXX. He said that the system shows all three rejections yesterday and they should not have taken any money out of my account today. 

XXXX also acknowledged that I have a scheduled payment for XX/XX/XXXX which i cancelled today since I am now paid until XX/XX/XXXX. 

My complaint is that the mortgage company went and deducted money from my account without my knowledge. This is very scary and I want them looked into.

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 08/28/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job inXX/XX/XXXX. They bought the debt in XXXX and they contacted me inXX/XX/XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My place of employment received a call from a XXXX from Worldwide Recoveries , LLC, telling my secretary that I was going to be served legal papers at work that day unless I called them back. I called, and XXXX never disclosed that it was a call from a debt collector at any point during the conversation. He proceeded to inform me that I had allegedly taken out a loan from XXXX ( which is not licensed to loan in WA, where I live ) for {$400.00}, which is now somehow {$1100.00}. I told him I was not aware of this and demanded verification of the debt. He then told me I was just trying to stall and that I would be served papers that day at work and sued and my wages garnished if I did n't pay immediately, because " it 's really easy to get wage garnishment in Washington ''. A few days later, I got a " settlement offer '' letter in the mail. This letter claims that I authorized a payment to be taken from my bank account ( I never authorized anything, nor did I give them my baking information ) and the letter claims that if payment is n't made they 'll revoke their " offer ''. They did not send verification of the debt, nor did they provide their professional license number to collect in Washington State as I requested. They are using illegal collection tactics : Calling me at work after they 've been told not to, disclosing information to my employer, threatening to show up at my work to serve me immediately, threatening to garnish my wages without notice and calling me repeatedly to harass, intimidate and threaten me, and sending a letter saying they are taking money from my account which I never authorized. They continue to call after a cease and desist letter was sent to them, and after I requested a verification of the debt - by law, they can not contact me again until they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In correct information of my credit report including a number and fraudulent accounts open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Debt collection (I do not know) with National Arbitration Forum (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My name is XXXX XXXX. I have a distant Aunt that I have n't talked to in about a decade named XXXX XXXX XXXX XXXX XXXX. Out of the blue, this debt collector starts calling me threatening legal action ( And claiming to need an " attorney statement '' under the guise of being a local PD/investigator ) with messages for XXXX XXXX. He called multiple times looking for this relative and leaving messages with details about her debt and personal life. I do n't want to hear about this distant relative or her legal troubles. I have no association with this relative, and I am sure it is illegal to contact completely unrelated third party relatives looking to collect under very shady methods. I have no idea how they got my number or believe that it is acceptable. They now call several times a day.

Company response to consumer: Untimely response
Consumer complaint received 04/19/2016 about Debt collection (Non-federal student loan) with Tuition Options LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past 2 years I get numerous calls as early as XXXX as late as XXXX from Tuition Options. I had a scholarship that covered my classes. I sent letters, emails and talked to them via phone to resolve this with no resolve. I asked the calls to stop, but no luck. 
I attended XXXX XXXX XXXX in 2013. 

I have phone recordings with times/dates.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OK).
Issue: Other service issues

Complaint: I was notified b y Paypal o n  XXXX    XXXX   XXXX   that my account had been limited '' what in our experience is usually high risk ''. I called  Paypal tha t morning and spoke with a customer service rep and was told my account was " limited '' and I would not be able to withdraw my funds for 180 days. I asked why this was done and I was told you will have to contact our legal department via mail '' I was confused as I have never had a single claim filed against my Paypal account. I emailed and received a phone call and was told that " do to my friends and family '' transaction Paypal has determined I am high risk. Again I asked how I am high risk as I have never had a complant. It was explained to me that " high risk '' is more or less a blanket umbrella that  Paypal  can use on whatever they see fit and under its terms of use they have the right to hold my funds for 180 days. I have reviewed the terms of agreement, which was just changed on  XXXX   XXXX    XXXX  , and they have removed the terminology where I can send friends and family money for services. This is primarily what these transaction were. I am currently in the military and used  Paypal  when   XXXX   or  XXXX . I spoke with another gentleman on   XXXX   XXXX   XXXX     who said my case would be reviewed in 30 days to determine if it was still " high risk ''. Well since " high risk '' means anything Paypal wants it to, again I have never had a claim filed against me or my account, I seriously doubt the decision will be reversed.  XXXX  ither was I find it ubsurd that Paypal ca n just arbitrarily make a decision to hold my funds for 180 days, especially considering there have been no complaints filed against me. I am seeking any help I can get at this point as all  Paypal w ill tell me is to high a lawyer.

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 non-monetary relief
Consumer complaint received 05/27/2016 about Mortgage (Other mortgage) with ACADEMY MORTGAGE CORPORATION (TX).
Issue: Credit decision / Underwriting

Complaint: We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: Approximately two months ago I submitted a complaint that Experian of Delaware was continually accepting a credit utilization report from XXXX XXXX. I filed Chapter XXXX Bankruptcy XXXX XXXX 2015. My credit card with XXXX was closed by the BK. Still, Experian continues to report a % 83 utilization of the credit card. That may have been true before my BK, but as I stated previously, the card was closed. Experian investigated the problem, supposedly, and their response was that i was incorrect and the credit card company was correct. How could i have any type of utilization when the card has been closed? After Experian 's response, I tried to contact the company and they have no record of my account. I 'm not proud of my BK, but i am trying to rebuild my credit. However, with Experian still accepting this claim, I have been refused a home loan under the FHA Chapter XXXX policy as well as my credit score falling. From what i have read this is illegal and I can pursue legal proceedings. I feel certain that their investigation was superficial. This has happened with a another credit report agency ( XXXX ) and once i sent proof, instead of correcting the false information, they removed it from my credit report which lowered my credit rating Basically, the consumer is punished if we question these agencies. They all should be investigated as they favor the Banks and not the Consumers- unless, of course, your the President of the United States .

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 01/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've sent Equifax XXXX letters with a full consumer statement regarding fraud that occured on my credit report. They stated on the last complaint response that they would " verify '' the public record. I have not received anything. This is keeping us from getting a home. See attached Department of Justice report ( end of attachment ), fraud affidavit, and certified receipts. 

It 's upsetting that the Equifax takes advantage of consumers by leaving accounts on credit reports just so they can make more money on negative reporting. 

Thank you for your help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Mortgage) with Fay Servicing, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I opened the " 18 month interest free '' account XX/XX/XXXX and paid monthly on time via XXXX XXXX XXXX. After 18 months, XX/XX/XXXX, I was under the impression that the account was fully paid and therefore, stopped payment. I never received a bank statement from Synchrony bank to verify so I called them to confirm if the balance was paid in full and the representative on the phone indicated a remaining balance of {$180.00} was owed. I paid this amount and closed the account. Roughly a year later I received a letter from debt collections indicating that I owed {$1900.00}. I opened an inquiry to Synchrony bank via mail with support of all my monthly payments. Synchrony bank responded XX/XX/XXXX and attached old statements that were addressed to the incorrect mailing address. Upon opening the account XX/XX/XXXX, I resided at XXXX XXXX XXXX, XXXX XXXX, CA. These statements from Synchrony bank were sent to XXXX XXXX XXXX, XXXX XXXX, CA and the first statement was mailed XX/XX/XXXX ( more than a year from opening the account ). The first statement stated if the remaining {$490.00} was not paid by XX/XX/XXXX that I would be charged accrued interest of {$1200.00}. Again, I was not aware of this since it was mailed to the wrong address. In addition, the representative I called stated I owed {$180.00}. 
I never received a phone call, email or mail from Synchrony bank indicating these charges. They failed to communicate the timing of the charges. On my end I was proactive in making sure the balance was paid in full by 1 ) setting-up monthly checks via XXXX XXXX XXXX and 2 ) calling Synchrony bank to understand the remaining balance owed. In addition, when I did call Synchrony bank to understand if the balance was paid in full, I was provided misguided information by the representative : 1 ) not indicating the appropriate amount owed ( the representative indicated I owed {$180.00} ) ; 2 ) not indicating the date owed and 3 ) not pointing out the accrued interest charge.

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Capital one bank late payments in 2014  XXXX ,  XXXX ,  XXXX  and  XXXX . Should be covered under the payment protection plan

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Beginning in XXXX, a Public Filing Entry of a State of Idaho Tax lien was noted on my Credit Report with all three credit reporting bureaus. The lien is not and has never been mine. Both XXXX and XXXX, much to their credit, did remove the notations soon after I provided them with the same documentation that I provided to Equifax. Equifax howver did not remove the error in spite of my having provided them with not one, but two separate letters from the Idao State Tax Comminsion clearly affirming that the lien was not mine ( copies of those letters annexed to this statement ). My Equifax dispute number XXXX was filed on XXXX XXXX, XXXX. I just called Equifax today ( XXXX XXXX, XXXX ) to check only to be again be told that after a thorough investigation that the lien is in fact mine, this in spite of my having provided them with the aformentioned letters. I just filed Equifax dispute # XXXX after being told that the lien would not be removed. Frankly, I am growing weary of dealing with these people and so ask that your agency look into the matter. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion Credit Bureau is not updating my information in a timely manner I.E ... ..monthly This is a violation of the Fair Credit Reporting Act My current open accounts XXXX and XXXX are current through XX/XX/XXXX however the last activity Transunion is reporting on the accounts are from XX/XX/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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 have sent several disputes to Equifax, XXXX, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX reported all my accounts as 90-day late in XXXX  2017 when in fact my forbearance covered the following  months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX/2017 and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX17 to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The hospital     XXXX   XXXX   XXXX   XXXX   erroneously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him in ER was not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from    XXXX   XXXX   XXXX   XXXX   XXXX    case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a "  one  time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: Toyota Financial needs to update their dialer before contacting customers - I was inadvertently late on a car payment due to being out of town - I immediately paid upon return and still getting calls after making an online payment - I even rechecked the website to ensure it was processed, and it 's showing up Paid and Approved as of yesterday. I just registered my number on the DONOTCALL.gov website to stop the harassing calls - this is upsetting and unnecessary.

Company response to consumer: Closed with explanation