milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I got a credit report pulled and it was showing that I had been 17 times late on my car payments with XXXX XXXX I call them that day and they told me that I was behind on my car payments two difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for thos payments there was two payments that they told me that I did not pay I fax a letter to XXXX and told them they must report to all three credit agents that I had not been late. But they never did. I have been on them since XX/XX/XXXX. I got a call today from XXXX saying they wanted to let me know that they was going to have 14 late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in XX/XX/XXXX. The lady said so there is nothing that I am going to do about that. I call the head office of XXXX in XXXX IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called XXXX XXXX XXXX that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all three credit  Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from XXXX XXXX. Please help me.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX, I submitted an online dispute at Experian regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from Experian stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted Experian customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX XXXXs stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' Experian is neglecting this proof.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian Inquiry - XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry - XXXX XX/XX/XXXX The two inquiries that I have stated are reporting on my Experian and XXXX credit report. These inquiries have been placed onto my credit report without my knowledge or consent. I am a victim of identity theft. 

I have asked the credit bureaus to remove the fraudulent inquiries from my credit report. They informed me that the items will be removed, but they are still reporting on my credit. There has been no change.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX TransUnion, XXXX continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.

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 03/27/2017 about Money transfers (International money transfer) with CITIBANK, N.A. (NY).
Issue: Fraud or scam

Complaint: XXXX wire transfers were sent from my Citibank savings account in XXXX, XXXX & XXXX totaling {$80000.00}. Citibank 's fraud department contacted me on XXXX after the last transaction was made. I was notified on XXXX for a {$3000.00} purchase made using the Citibank credit card. It was not our purchase the card was cancelled and we received new cards the following day, but no one monitored the other accounts during the same days for fraudulent activity until the account was empty. XXXX from Citi 's wire department made it clear today that they may not be able to recover the funds and Citibank is not responsible since it was done through online banking with my login.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with ASTORIA BANK (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Astoria and they are taking out XXXX taxes XXXX/year in addition to XXXX, XXXX taxes taken out. When I inquired as to why I was paying XXXX taxes although I live in XXXX, XXXX I was told they would look into it. I received a letter that they had rectified the situation but with no supporting information. I do not know how log I have been paying this erroneous tax as I can only access back to 2013 my records. I would like to know what this is, how long it 's been going on, and get any reimbursement that is due me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX XXXX, I had a business service agreement wthe an online company called " XXXX ''. For this service, I agreed tp pay {$59.00} a year which I paid the full amount using my American Express credit card. Shortly after I signed up for the service, I tried to reach XXXX several times in relation to the services they agreed to provide me. Each time I called the customer service line, I could n't go through. My problem was not addressed by the company at all. So, I cancilled the service. I did n't ask for a refund, but I absorb the lose. A year later, XXXX XXXX, XXXX, XXXX charged my American Express account {$59.00}. I disputed the charge stating happened and the credit card company ( American Express ) investigated the dispute and resolved the dispute crediting my account for the full amount. 

XXXX charged my American Express account for {$59.00} again. I filed a dispute stating the XXXX XXXX, XXXX email communication between the American Express and myself. They said they will investigat the dispute. On, XXXX XXXX, XXXX, the American Express resolved the dispute, credited my account for {$59.00}, and closed the case. 

Then, I saw the {$59.00} charge appeared on my account again. When I contacted them, they said that XXXX provided evidence showing the charge is legitimate and they paid the amount. The American Express does not have an answer why the charge is justifyed where there is no new agreement between XXXX and myself. The service agreement was cancilled three years ago, and the American Express credited my account for the same dispute and same amount a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Other type of mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Applying for a mortgage

Complaint: We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Consumer Loan (Vehicle loan) with NORTH STATE ACCEPTANCE LLC (FL).
Issue: Managing the loan or lease

Complaint: Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: My complaint against PayPal Inc. is such a very doable action as far as I am concerned. This was just not given attention regardless of the numerous contacts, emails and calls done. PayPal, has put a permanent limitation to my account XX/XX/XXXX when it has unwithdrawn funds yet amouting to more or less XXXX XXXX. I received an email last XX/XX/XXXX stating that my money is now eligible for withdrawal. Now, its XX/XX/XXXX and I havent gotten the chance to enjoy my own money because it is not in my own hands that lies the ability to adjust the limitations set on my account which one of those it to withdraw money from my account which up to know shows under the restricted actions that I am not allowed to perform which then hinders me as well to add a bank account a XX/XX/XXXX card and is denied to me several times by supervisors on their Limitations Team stating that their front end agents are LIARS because they informed almost everyone about adjustments done when an account is limited and withdrawal needs to be done. Well, what can I say? I know their limitations Team may not exceed a number of adjustments per day or their metrics are gon na be suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a three months modification trial, I made all my three payments on time, but never got a final modification because my loan was sold to a different bank and the new bank not honoring my modification and going through with the forclosure on my home. That should be illegal, these guys are bunch of XXXX playing with people lives and deals and they should be stored, cuz they are doing it to a lot of innocents hard working people, that all they want is save their home and dignity. Thank U.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I called Capital One to make a balance transfer from another bank XXXX XXXX Bank XXXX for a lower interest rate. I called within XXXX minutes of the first phone call to cancel the transaction. I spoke with a supervisor and was told that the payment did not go through and he would put a stop payment through and I may have to pay a XXXX dollar fee for the stop payment, which I agreed to do. He said there would be no problem as it was only XXXX minutes since I made the request. I was told that the transaction could take XXXX business days so I did n't think there would be a problem. This was on XXXX XXXX. Then I got an email saying that the transaction went through. I think this was on XXXX XXXX. I called Capital One again and spoke to a supervisor. I was told they saw the stop payment and it went through but it takes sometime to show up on the account. A day or so later I looked at the bank that I was having the transfer made from XXXX XXXX Bank XXXX, and it did go through. I called Capital One again and spoke to a supervisor. I was told to call XXXX bank to ask for a refund. I did this but XXXX bank said they could n't do that. 

I called Capital One again and I was told again that the stop payment was denied! Basically, because it was an electronic transaction it was instantaneous and there was no way to reverse the transaction. I told them that a supervisor had assured me that they could stop the transaction when I called immediately after the request. I said I was lied to and/ or they made a mistake and/ or the people working for them had no idea how to handle this situation. I did n't want to pay the fee of {$87.00} because I was told the stop payment was possible and due to the basically instant request on my part to cancel the transaction and was told the stop payment was made. The supervisor refused to help me in any way. He said I could n't talk to anyone who could help me and he did n't have the authority to credit the fee. I pointed out to him that legally a person has the right to cancel a financial deal within a certain amount of time, in this case it was only XXXX minutes when the request was made. He told me that was not true. I asked to speak to the legal department and he said they did n't take calls. Basically, he said there was nothing I could do. 

I do not want to pay this fee as I was given false information and asked for a cancelation in a timely fashion. I was lied to on many different levels. I was told that the transaction would take XXXX business days. I was told the stop payment was made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: We purchased our home in XX/XX/XXXX at the peak of the real estate market in our area. As first time home buyers we were excited but uneducated on the varying types of loans. We qualified and received a 10 year A.R.M. loan. We have diligently made the payment every month on time till XX/XX/XXXX when our rate adjusted and our payment increased {$660.00}. We were aware of and anticipated the rate adjustment but the actual increase was far more than expected or sustainable with our budget. Over the years, we have reached out to several different mortgage brokers for direction. However the outcome was always the same and no one would refinance our loan for the followings reasons ; 1 ) we are self employed 2 ) the loan is not a XXXX or XXXX and 3 ) negative equity. Time and time again the advice was " just deal with the payment when it adjusts '' or " sell the house prior to the adjustment ''. 
XX/XX/XXXX we decided to the best option for our circumstances was a loan modification through our lender Citi Mortgage Inc. We contacted Citi and requested a loan modification. We were assigned a 'dedicated Single Point of Contact ' representative to assist with the process. Paper work was requested. Paperwork was returned. More paperwork was requested and returned. Again more paperwork requested and returned. Its been 5 months and we are still waiting for a decision - " it is still in underwriting ''. 
The egregious processing delay has caused extreme frustration and caused further financial hardship, hardly the help and hope they ( Citi ) advertise.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TransUnion has XXXX XXXX XXXX XXXXn my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want TransUnion to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

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