milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TN).
Issue: Settlement process and costs

Complaint: I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-attached-documents.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 written all three Credit Bureaus EXPERIAN, XXXX and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

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 03/27/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.

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 EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over 2 years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX ,  XXXX , nor Equifax has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX ,  XXXX  and Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: My loan was transferred to Bayview Loan Servicing and it has been nothing but a NIGHTMARE! I was doing a Trial Loan Modification and I paid all XXXX payments on time as agreed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming the didnt receive my XX/XX/XXXX payment. I sent proof to XXXX showing it was debit from my account just like XX/XX/XXXX and XX/XX/XXXX payments. She argued with me that it wasnt received. I went to my bank and they thought it was strange also that they claimed they didnt receive my XX/XX/XXXX payment. I called my bank today to asked if they found out what happened and the clearly stated that XXXX XXXX XXXX lied to me! The XX/XX/XXXXpayment was received by XXXX XXXX XXXX and they provided me with the transaction number. XXXX lied to me so that I would file something with my bank and make it look like the funds were returned. XXXX is my witness. I did everything I was supposed to do. They are ripping people off and telling lies about not receiving payments. My Attorney will be handling this because it has STRESSED ME OUT. I HATE A LIAR and I HATE MY LOAN WAS TRANSFERRED TO THESE CROOKS! Please STOP these people from illegally foreclosing on people homes ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with PNC Bank N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I opened an account with PNC based on incentives offered by a rep. totaling {$250.00}. I fulfilled the required obligations as outlined by the rep but never received the incentives. I emailed her XXXX times including just after completing the last requirement. I received no response. After several months of no responses I filed a complaint with their corp office. I was told I had not completed all the necessary requirements and that the deadline to do so had lapsed. I pointed out in a response that had the rep responded to my emails I would have had more than enough time to do so even tho I dispute that I had not fulfilled all the requirements. The emails attached clearly show I contacted her approx. 20 days after opening the account which according to them I had 60 days to complete the requirements for the incentive. I would have had ample time to complete any additional requirements they felt I had not met. Again I strongly dispute I had not completed each requirement set forth at the time I agreed to open the account. I also I informed PNC I stopped using the account because of the rep 's and PNC 's refusal to respond to my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.

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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had been unemployed and recieving social services on and off from  XXXX  til  XXXX . Most of the time from   XXXX - XXXX .  I repeatedly talked to representittives from Navient and explained my situation, and repeatedly asked for paperwork to get this on file. After probably 2 years of dealing with this, I finally got the correct paperwork & filled it out and sent it in to be told they never received it. They also put me on a {$5.00} a month payment plan for awhile which I did pay on, and then out of the blue I was sent a bill for over {$700.00} ... when I called and inquired about the change they told me I was no longer eligible, even though nothing in my employment or life situation had changed. I have been dealing with this company for many years now and they have never once made things easy or even practical How is a person receiving government assistance suppossed to pay the outrageous payments they bill you for? My loans are now astronomical because of late fees, interest, and every other charge they can possibly add to my total. My original loans were for way less then half of what Navient now says I owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In response to my dispute of XXXX XXXX XXXX Equifax replied : XXXX ; We have researched the credit account. Account # XXXX The results are : This account has been updated to show included in bankruptcy/included in bankruptcy of another person. If you have additional questions about this item please contact :, Unverifiable, XXXX, MN XXXX Number one, this account was not verified by equifax for my wife for the same account and deleted. 
Number two. This account was dismissed by the court. 

Number three is seems like equifax could not even verify the name of the business. 

This same exact debt could not be verified and deleted from my wife 's account, and exquifax deleted it, so how can this same debt be verified?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX  has acted with negligence. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been attempting to resolve issues regarding 2 items  that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (OH).
Issue: Managing the loan or lease

Complaint: My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Castle Credit Co Holdings (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in   XXXX   originally for {$3900.00}, I have all the original paperwork for it. It was relisted in  XXXX  at {$1200.00} as a charge off and it still showing up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I sold our house with a short sale on a closing date of XX/XX/XXXX due to extenuating circumstances. The mortgage was held by Wells Fargo and the closing completed by the law firm of XXXX in XXXX, CT. Wells Fargo did not process the closing correctly and I received a negative report on my credit stating that my husband and I were late on mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. We did not own the house during these months. I disputed this through Wells Fargo and they denied my claim and put a Compliance Condition Code on my Credit Report. I asked to have this code removed from myself and my husband 's Credit Report. Wells Fargo told me that I could only have the Compliance Code removed if I agreed with them about their findings. I told them I just wanted to the code removed. I was informed by a XXXX that upon removal of the code, my credit number would not be effected. The code was removed and within 1 day my credit score dropped over XXXX points as reported by XXXX on XX/XX/XXXX. Comments were added and changed on my credit report. Now, my husband and I still have the late XX/XX/XXXX and XX/XX/XXXX payments for a house we did not even own and I have a worse credit report than before I filed the dispute.

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