milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with FORD MOTOR CREDIT CO. (IL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I purchased a XX/XX/XXXXXXXX XXXX  account # XXXX which was finance with XXXX XXXX XXXX XXXX XX/XX/XXXX. later in XX/XX/XXXX I signed over the title and took a settlement offer to payoff the loan in full to XXXX XXXX XXXX this loan had been paid off but XXXX is still reporting this loan as if its late and I still owe money I was told by XXXX   confirmation # XXXX. I owe this company no money and I received my title I later signed the title over to XXXX XXXX I had no interest in the loan nor the vehicle after I signed it over I received the title and paid this loan off in full and the XXXX XXXX   company was reporting as if I wasn't making my payments or if I was behind on payments I took a settlement offer. This needs a removal of the account off my credit report with XXXX  this information is outdated and incorrect and needs immediately attention of removal this Loan needs to be deleted off my credit report. I have mailed supporting documents to XXXX to support my request XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. That was the first and only time that I received any communications about that alleged debt prior to seeing it on my credit report. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. It was sent to XXXX XXXX XXXX, which contracted it out to Halsted Financial Services. I really need help because none of these companies are responding or even available for questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF  SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit card () with U.S. BANCORP (OR).
Issue: Convenience checks

Complaint: I cashed a convenience check linked to my US Bank XXXX XXXX XXXX XXXX XXXX XXXX. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a convenience check that will be immediately payed back to US Bank in full if they have the autopay setting selected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by JP MORGAN CHASE BANK on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: An alleged debt in the amount of {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: As an XXXX student in the XX/XX/XXXX, I was n't eligible for most school aid programs so relied mostly on student loans such as Stafford, XXXX, Perkins and a small Pell grant, plus a private loan. After earning a XXXX and XXXX, I graduated in XX/XX/XXXX with over XXXX in student loan debt. Needing an immediate job because of the debt, I began working at a XXXX in XX/XX/XXXX, continuing until XX/XX/XXXX. Sadly, the high cost of city living and my student debt payments overwhelmed my XXXX paycheck. When I originally consolidated my loans, I was told by both the Federal DOE rep I spoke to and by my private loan servicer ( XXXX ) that I did not have the option of transferring my loans into the Fed Direct Loan consolidation program. Later, when the Public Service Loan Forgiveness ( PSLF ) program began, I called again to ask if I could get in to the Fed Direct Loan consolidation program to qualify, and was again told by my servicer Navient and the Fed Govt that I did not qualify. However, last year I learned ( just as I was leaving my job ) that indeed, by combining my Perkins Loan with the Stafford/XXXX loans, that I would qualify, so I transferred my loans to Direct Fed loans. BUT, this happened in XX/XX/XXXX, though I would have been eligible when I called about it back in XX/XX/XXXX. This means that I would be almost 9 years into the 10 years of on-time payments and thus very close to having {$230000.00} of student loan debt forgiven as PSLF. In other words, the incorrect and incomplete information given to me on multiple occasions by both my private student loan servicers and by the federal government has potentially cost me many, many thousands of dollars. I would like to continue my non-profit work, but can no longer afford to do so because of this large student debt. My current student loan debt is causing undue hardship and is affecting my future employment and housing options.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Struggling to pay your loan

Complaint: Application Date : XXXX XXXX, XXXX Effective Date : XXXX XXXX, XXXX On the application date above, I submitted an application to Big Picture Loans for the amount of {$800.00} to be pay a couple of bills. Thinking the loans would provide temporary relief, week after week, because the XXXX rate is 497.6265 %. For a {$800.00} loan, I am going to end up paying back {$2000.00} which is not fair. I am having a hard time trying to pay this loan back. I have called numerous times to have my due dates changed to match my new pay cycle so I would n't occur daily fees making it also impossible to pay them back, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Checking account) with BB&T CORPORATION (IA).
Issue: Deposits and withdrawals

Complaint: I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: GREEN TREE SERVICING LLC OFFERED AND AGREED TO PAY CASH FOR KEYS RELOCATION ASSISTANCE OF {$3500.00} THAT WAS PRESENTED BY THEIR ATTORNEY LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX. GREEN TREE SERVICING LLC CHANGED LEGAL REPRESENTATION AND THEN REFUSED TO PAY THE CASH FOR KEYS OFFER THAT WAS AGREED AND ACCEPTED. GREEN TREE SERVICING LLC INSTRUCTED THEIR NEW ATTORNEY TO OBTAIN A FORCEABLE EVICTION WITH THE SHERIFF DEPARTMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The documents will detail that I attended the original creditor institution, the University XXXX Kentucky, and that I withdrew in XXXX of 2011. This led to me becoming delinquent within 90 days after that withdrawal ; no payments were ever made within that time frame towards the remaining tuition balance. The account was sold, and has ended up being listed under Alltran XXXX. The Open Date reflects the date Alltran purchased this debt and is in no way reflective of the date of first delinquency. The DOFD needs to be updated to reflect reality and the account in question should be dropped as it has illegally re-aged this debt. The debt was also paid in full to Enterprise Recovery Systems, but the name was changed when the company changed their name to Alltran XXXX and my credit reports do reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have send to Equifax,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been checking into my credit lately because I plan to purchase a house. I see on my credit report that Capital one has reported late payments. I have never had a late payment with them EVER. I have spoke to them and they keep referring me to a collection agency. I do n't know why I have to speak to someone in collections if my account was paid in full before I closed it. I want to keep all my financial business with one company and that 's why I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (OK).
Issue: Managing, opening, or closing account

Complaint: I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We have a equity loan with Citibank and they sent us a letter that is was in repayment and we had XXXX options to choose from. to put it all in a fixed rate which would double our payment half in fixed and half in a variable. ( which we chose ) or all in a variable. Well by choosing to split it, it assigned XXXX accounts numbers to the loan. I called to see if we could just put the accounts together and they said no, we would have to refinance. When I called to refinance they said that we could n't refinance. We are planning on moving in the next couple of years so it would not benefit us to shop around for a new loan. We I sent the payments in they keep misapplying them to the wrong account. I keep getting past due notices, I call and they say they are correcting it but then the next month the same thing happens. I made the payments on line and they told me that was causing the problem. so I said should I just make them at the bank and then they told me I cant make the payments at the bank because they wont process correctly, so they told me to call in.I called in and they said I need to mail it in or it wont process correctly. How can you give me a loan and not be able to process the payments correctly. When I asked if they are reporting me late to the credit agencys that said they do n't know I will need to check my credit report. Every person I speak to give me a different answer, and then they are calling me for collections when they are still researching my payments. I want them to process my payments correctly, this is getting very frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

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