milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have public records from Virginia Courts that remain on my Transunion report. Recently, these same records were deleted from my XXXX report due to a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit report stated that i had loans that i never got.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late payment being reported from XXXX contacted XXXX and was told they never reported a late payment ever purchased a cedit score from Trans union and the score must have reflected this ghost late payment

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 07/31/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: A long-time customer of ACE Cash express, I took out a loan late XXXX. It was an installment loan, and my payments were about {$220.00} a month for 6 months. I hit on some expenses resulting from personal health issues.My elderly mother took sick as well, making it necessary for me to travel back and forth to take care of her. I had been in communication with ACE about this. I called them XXXX/XXXX/XXXX to advise them that I would get back in touch with them on XXXX/XXXX/XXXX to make a payment, at which time I would have funds to work with. I then left and went to be with my mother in the hospital for 3 days during XXXX.I had just enough money for gas and meals while I was with her, and to pay on my phone and electric bills. I had no more than that to pay anything else. Ace debited my account without my authorization for the full {$220.00} I owed them. Yes, I owed them the money ( even though with the XXXX installment payments I had already made, I had paid them more than twice the amount of the loan, which I knew going in ). But I do not feel they were within their rights to debit my account WITHOUT MY AUTHORIZATION! This created a horrible situation for me, and I was already dealing with my own health issues as well as my mother 's. When I called and spoke with a supervisor, they were not interested in trying to redeem the situation. The fact that I had been a GOOD customer for 10 years or more made no difference to them.They had never done anything like this before. Presently I have a letter pending to their president, but I do not expect anything more than a canned response telling me how it was their right to take their money because I did not have any payment arrangement in place with them.But could they not have advised me that this was their intention when I spoke with them, prior to doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: After several years of contracting state liability insurance from an independant agent for XXXX XXXX insurance I decided to change companies as the new one gave me a better rate. I notified the Agent `s office and told them I was cancelling and going with another company thus my prepaid amount they had just deducted from my bank account via debit card should be refunded. Once before I`d done this but saw they started taking money from my account without my authorization. When I tried contacting the agent his phone was unanswered. I contacted the XXXX number for XXXX XXXX to inquire as to how this could be happening. XXXX XXXX said they had no such agent listed .... so I changed my debit card again and wanted to know the name of my new agent. I was told they couldn`t tell me his name ... Why I ask ... well we don`t know who will be assigned yet ... If I have any claims I can call the XXXX number ... ok ... never heard of an Insurance company not knowing who the alternate agent would be before? XX/XX/2015 this started all over again ... I contacted my banks credit card division and explained this once again, credit was issued on trial basis to lend time to check it out. I recieved two subsequent letters. the first acknowledging my case and later a remittance only giving partial credit for some of the monies deducted? when I called again I was again recorded and gave a similar deposition but I wanted an explanation as to why only the " last 60 days of their fraud was being acknowledged? Once I used these terms .... fraud I immediately " threatened with - if I continue with this terminology the`ll turn this over to their legal dept! ... XXXX ... I THOUGHT THAT`S WHO I WAS TALKING TO! Next I was 20 questioned as to my past " Moral Turpitude " Where had I lived out of all these addresses for 30 years ... was I the same person as having this account ... so on and so forth .... Answering all their questions was demoralizing to say the least as now I was felling like I`d been the one getting something that did not belong to me. XXXX ... Is it just me or did i get scammed again including by the bank .... I think absolutely so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint. Original complaint case number is XXXX. Not only has NationStar been untruthful. evasive, they also use fraudulent or deceptive practices in their responses to the first complaint, they have continue to do so. Since I filed the first complaint, below is a list of illegal action take against me by NationStar. I have also attached supporting documents to show NationStar claims are fraudulent and deceptive : 1. NationStar misrepresented the amount owed. The partial payment amount was {$1300.00} has ballooned to {$5800.00} as of the statement provided by NationStar XXXX/XXXX/XXXX. see attached. 
2. Reporting false information to the credit reporting agencies. According to XXXX, I was 30 days late with my payment for XXXX, XXXX, XXXX, and XXXX XXXX. XXXX 's payment posted by NationStar XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX, XXXX 's XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. No payment has been late since XXXX XXXX see attached 3. Harassing telephones calls several time a days at home and work by different loans specialist based on a list they are provided without knowing the status of the account. I reported to work at XXXX in the morning and there are calls on my answering machine from NationStar. 
4. I have made all mortgage payments on time since bringing my account current om XXXX XXXX XXXX see attached

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax did not take my statement or investigate my dispute. When I spoke to their customer rep they stated to me more than once they do not investigate. They asked the company who reported to Equifax to investigate. When I spoke to one of their supervisor 's by the name of XXXX XXXX stated to me that they investigate by sending supporting evidence to the company who reported to Equifax. I asked XXXX XXXX is there a way that Equifax could do their own investigation by looking at my bank statements, proof of payments, and my electronic automatic payment statement from XXXX, and she stated to me no! I asked XXXX XXXX why would you accept the statement of XXXX and not look at my proof from a accredited bank that has been in business for over 100 years. She stated to me it is not Equifax responsibility to look at the customers information, but only accept what has been reported by the company who has reported to us. I said to her that they could report anything to you guys without proof, and the only thing she stated to me was " If XXXX lies I could sue them '' When I asked to speak to another supervisor she stated to me that she was the only one I could speak to. I requested to speak to her supervisor, and she stated to me that I was the only person I could speak to. Then I asked her that I need to file a complaint, and she stated to me what the complaint is about? I said to her that I prefer to speak to someone else about the issue. She stated to me that I need to mail my complaint. I asked her why I could not file my complaint over the phone, and she stated Equifax does not accept complaints over the phone. Then she said if there is nothing else she could help me with she was going to hang up. I tried to ask her some more information, and she hung up on me. I called back and talked to another person who stated to me that they will take down my complaint and send me an apology letter. 

I have all of the conversations with Equifax recorded as proof. I would like for Equifax to correct this problem by thoroughly investigate this problem, and not just accept what XXXX will give them as proof. If not I will share my conversations with the people that will read this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (MO).
Issue: Struggling to pay mortgage

Complaint: We have a contract to sell the house in a short sale. The lender says they have 30 days to review the information and make a decision. They took more than 30 days to respond, though we had called in 2-3 times a week asking for updates. Each time, we were told we 'd hear something in " 3-5 business days '' but it took them several weeks to actually make a determination. Yesterday, we were told that we needed to counter the contract price of the property ( {$300000.00} ) to {$280000.00}. They then clarified that the net to the investor needed to be {$280000.00}. We asked what fees on the HUD the investor would not pay for, and were told that we were not allowed to know that information. We asked what the appraisal report stated the FMV of the property was, and the servicer told us that they " were not privvy to that information. '' When we asked how we were supposed to come to agreed upon terms without either of those pieces of information, it was suggested we eliminate substantially all fees on the HUD except the lender 's payout, which is impossible. We ca n't counter the buyer without knowing what the lender believes the FMV of the property to be, and we do n't know what fees on the HUD the lender wo n't pay for - so we 'll never be able to come to terms unless they tell us. With the foreclosure sale date in two weeks, we believe this is a showing of negotiation in bad faith : that they are trying to use the pending foreclosure to fleece the parties to the contract of their fees, and to make the buyer pay an artificially inflated price for the property. It is also important to note that the lender admitted that they never performed an interior appraisal - they just had a drive-by BPO and set the value using a third party webservice, such as XXXX, which have been proven to be inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bank Of America Bank of America Platinum credit card tied to my bank account on Smart Phone.     I pay my payment every month,  XXXX  month in advance, always paid on the  XXXX  of the month. But every month I was apparently receiving a late fee that was not listed on my online ( phone  )  bank statement not on the year end summary of the account.     the bank is saying the payment was due by the  XXXX  of the month, and even though I paid every month a month in advance on the  XXXX  of the month it was considered late. Only months that I made additional payments did I not receive a late fee. No where online or in statements does the account indicate that there is a windows each month that you can not make payments,  XXXX  to the  XXXX  of the month, the most frequent time people make monthly payments.     In addition the online account never shows the fee being charged for account. The fee apparently is posted on the last day of the account statement, and is not visible any other time. The online as the statement only shows the current statement period and after the next day the fee is no longer visible. The link to previous statements is deliberately hidden.  The Highlight and Underline on the text for statements has been removed so there is not way t t ell that is a link to previous statements.     Even the Year end statement deliberately does not include fees charged on the account. If you are a modern person, especially a Millennials, who maintains tracking accounts on your smart phone and use the account to ensure you pay monthly you will never know you are being charged late fees for the card. Only way you can tell what fees you are being charged is to download the monthly statement which is only way to access statements when using paperless option.     It 's was gong on for over a year., I have unknowingly paid over {$250.00} dollars in late fees. In addition and the fees change from  XXXX  dollars to  XXXX  dollars randomly.     This is truly engineered predatory banking for online paperless banking.

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 06-06-2017 about Debt collection (Credit card debt) with DISCOVER BANK (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from an unknown number on XX/XX/XXXX, XXXX XXXX. There was a voicemail left by a woman by the name of XXXX XXXX ( private courier ) - she stated that I will be served paperwork/documents on XX/XX/XXXX, at my residence. She added that I can call the filing party at ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) if I have any questions. I call the number and was transferred to a XXXX XXXX ( senior paralegal ) where he proceeds to ask if I am settling an old debt from XX/XX/XXXX with them at that very moment. The debt they claim I owe is {$10000.00} ( and he verbally stated on the phone that the original debt was {$2700.00} ). When I asked for additional information to verify if this is a legitimate debt, he commented that I 'm disputing this because I do not want to pay. He added that there was a payment towards this old Discover account back in XX/XX/XXXX, and that after that I failed to provide payment. But again, he could not provide any documentation regarding such payment. I informed him that we are talking about a debt from 17 years ago, and I need to research. In addition, I need to check my credit report. I told him that I will need to check this first before answering to them. He stated that this debt is no longer on my credit report. He provided only a statement via email, stating I owe the {$10000.00}. No other documentation was provided where I can see if indeed this is my debt. He kept asking if I would to offer a certain payment amount at that very moment, and did not listen to my plea for more information. I had to explain to him that I will need to consult with my attorney on this. I asked for his ( XXXX XXXX ) direct line ... it is ( XXXX ) XXXX. -- -- -Attached is the email I received- I excluded the SS # and the account number -- -- -- -- NOTICE OF DEBT ASSIGNMENT XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX SSN # XXXX Re : Balance Due : {$10000.00} Dear XXXX XXXX, XXXX XXXX XXXX has purchased the rights to any and all collection activities from DISCOVER CARD in regards to account number : XXXX Reference is made to a certain debt or obligation due from XXXX XXXX to the above captioned party. On XX/XX/XXXX, all rights to receive future payment have been assigned to XXXX XXXX XXXX XXXX. A copy of the assignment is available and attached. We understand the balance due is : {$10000.00}. Accordingly, we provide you notice of said assignment and notice of debt. Direct all future payments on said account be directed to the undersigned, at the below address. Further, any form of mail in payments should be made payable to the undersigned. It is important that all payments be made as directed to insure credit. You understand this is not a dunning notice. We appreciate your cooperation. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Government benefit card) with Comerica (SC).
Issue: Unexpected or other fees

Complaint: There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

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 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at one time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation