milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to Midland Funding XX/XX/XXXX. Since this account was paid in full XX/XX/XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with Midland Funding showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and Midland funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification and I was approved for a temporary payment reduction and an extension of 21 more years. I was not happy with the terms and was told to sign it and send it back for review and then call to discuss for other options. After a week I called the mortgage company and was placed on hold several times. I was told i will get a call back and to no avail that never happen. My rate is over 9 % therefore the mortgage company is making money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need 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 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The accounts that are in question should be removed from my credit file thses accounts have passed the statue of reporting these account have reported as delinquent as of XXXX. 
Which the statue is seven years from the first date of reporting the delinquency. 
XXXX ( XXXX ) first reported XXXX. 
XXXX ( XXXX ) first reported XXXX XXXX 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 non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.

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 12-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Cashcall calls up to XXXX times a day in regards to a missing payment. They use different numbers to call from and sometimes they leave messages and sometimes they do n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: There were fraudulent transactions that occurred to my bank account. I left my belongings on XX/XX/2017 and my routing number and account number information was stolen. I reported this to A lot of agencies but noticed {$340.00} negative balance to my account. I called WELLS FARGO TO MAKE THEM AWARE I DID NOT MAKING THIS TRANSACTIONS. I asked them to put my account back to good standing. As I do NOT owe my bank. I received many letters dated XX/XX/2017 via mail from wells fargo claims department regarding a STOP PAYMENT has been placed..but no resolution to my concern that my routing and account number has been compromised by a identity thief. I am asking wells fargo to get my account back to zero balance..not a NEGATIVE BALANCE OWED OF {$340.00}

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.

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 09-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Trans Union sent a dispute to the creditor XXXX XXXX XXXX Credti Union XXXX and the creditor did not correct the issue on my credit report. I also had sent in documents to prove that the loan on my auto did get paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Mortgage debt) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, First Tennessee Bank charged off my second mortgage. I contacted them to make payments of {$400.00}. I made payments for 5 years with them stating it was being applied to my principal. Recently, I was unable to continue making the {$400.00} payment due to financial hardship. First Tennessee contacted me earlier this year to begin making payments. I offered {$200.00} a month. The lady on the phone stated it would n't be enough to cover principal and the accruing interest. She told me in order for the phone calls to stop I had to make the original payment of {$770.00} to include the interest. This does n't make sense to me because in order to charge a consumer interest should n't I receive regular monthly statements according to the Truth in Lending Act? That is the number one reason charge off accounts are n't charged interest because there are laws that apply. Also, in reviewing my original documents, there is no where that speaks to charging interest after the loan is in default. I do n't understand why i 'm being charged interest on an account that is no longer on the company 's records as an active account. To make matters even more complicated the last time the account was reported to the credit bureau was XX/XX/XXXX with a balance due of {$100000.00}. They are n't even reporting to the credit bureau the increased amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LOBEL FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I purchased a car XXXX XXXX XXXX XXXX in XXXX ny with a lease term of 20 months when the payment book arrived It was for 24 months this was not a problem I completed a full 24 months of payments there was no notification of a balance or anything about 6 months after I completed the loan I went to trade in the vehicle I was notified by the dealership that there was a balance of XXXX which is crazy because My car payments were XXXX per month The dealer explained that he would assume the balance owed and I guess that on my credit report it goes on as a charge off. On my credit report it shows that there was a XXXX balance which has gone up from the XXXX dollars that I never owed in the first place I recieved the care in XX/XX/XXXXI traded the car in, in XXXX of XX/XX/XXXXso there is no way that I ever owed a balance let alone was able to keep this car 3 years after the term.. My credit report shows that I made 70 % of payments which is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (SC).
Issue: Unauthorized transactions or other transaction problem

Complaint: I sold an item thru XXXX that XXXX delivered to the wrong address. I tried to re-route the item to the buyer, but XXXX indicated my item was ineligible for that. I have maintained contact with the buyer the entire time. I explained to the buyer that once I received the item back, I would have it sent to them once again. They are fine with that. 

That said, the buyer ( for their protection and to document the issue ) filed a claim thru XXXX, which I understand. Since I am in contact with the buyer, and the buyer is in agreement with me, XXXX has not issued final resolution because they see that I am working with the buyer on it and have a perfect record with XXXX, but PayPal has decided to withdraw the funds from the account forcing a negative balance, as if the final resolution had been issued. 

Now, the issue this is causing, is I am now unable to use my PayPal account, because they are forcing me to pay the negative amount, as opposed to waiting for the final resolution from XXXX. I would have no issues paying the funds back if that were the case, but in this case, I have a serious issue with them playing judge, jury and executioner on an unresolved case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage, have proof of payment, and my mortgage company will not credit my account for this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$2900.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Customer service / Customer relations

Complaint: I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.

Company response to consumer: Closed with monetary relief