milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX, sustantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with First National Collection Bureau, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving mailed correspondence for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Mortgage (VA mortgage) with PRIMARY RESIDENTIAL MORTGAGE (RI).
Issue: Application, originator, mortgage broker

Complaint: On XXXX, I was referred to XXXX XXXX XXXX, a Senior Loan Officer at PRIMARY RESIDENTIAL MORTGAGE in Rhode Island. However, this individual never made telephone contact with me, our only form of communication was via email. Initially, she had me and my wife fill out a pre-qualification mortgage form. After filling out the form in entirety, including information about my RACE ( XXXX ) and military status ( Veteran ), the loan officer emailed me back. In her email she made very rude assumptions about me and my wife and was also very rude. Attached below is her email to me and my wife with our names deleted for security and privacy reasons. 
" Attached is your credit report to check out. 
Here is what I see : You are having your credit pulled over and over again, hoping for a different answer about buying a home. I suspect, you are getting rejections and maybe some suggestions. 
Here is the bottom line : ____ has a sub-par credit rating at the fico score of .... '' As you can see from the beginning of her email, she was very rude and condescending. I would for this officer to make anyone else feel the way she made me and my wife feel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed a collection with all credit reporting agencies about a collection that was paid and the creditor has disputed the collection as well and has asked all credit reporting agencies to delete the collection from my credit report. All credit reporting agencies have deleted the collection except for Equifax. The collection agency has gone online multiple times and manually requested the deletion, they have submitted the repositories and they have made repeated phone calls to Equifax , I have disputed it online and called Equifax multiple times and the collection has still not been deleted from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX - My monthly payment was due with Mr Cooper - I called Mr Cooper because my automatic payment had been cancelled and ask them if I should make my monthly payment and they said yes - I made the payment XX/XX/XXXX - I receive a letter from XXXX XXXX saying that my loan had been transferred and that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX or get a late fee XX/XX/XXXX - I called Mr Cooper and they said the payment had n't been posted so I needed to call back on XX/XX/XXXX XX/XX/XXXX - I called Mr Cooper, they did n't answer or return my call XX/XX/XXXX - I called Mr Cooper and they said they had the money and it would be transferred to XXXX XXXX at some point - They would n't give me a day or a time - They would n't put it in writing that they will transfer the funds - I have no assurance that the money will go to XXXX XXXX or that I wo n't be charged a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.

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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion about items that they have listed on my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2017. They have not produced any original signed copies of any on the accounts. When a consumer request for verification of proof of signed documents the credit beaus are to product this information. I do not have any business nor accounts with those creditors

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 12/17/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I made a loan on a chase mileage plus credit card ( I actually had thought I was doing it on a Freedom credit card, but apparently it was n't ), In any case I paid the loan off on time, but after my last payment was charged the yearly fee of {$95.00}. I wrote and told them I was cancelling the card and therefore not paying the yearly fee ( which was due after my letter cancelling the account ). I got a bill the next month ( recently ) repeating the charge and adding an interest fee. I phoned the company and was told I was XXXX days late - somehow there was a 1 month deadline after paying off the credit card and i was XXXX days short of that when I cancelled. I refused to pay and am hoping you can resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WI).
Issue: Trouble during payment process

Complaint: I have always received a check to pay my property taxes. It has always come around the middle of XXXX. I called today XXXX because I have not received it yet. I was told that it was changed to installments in XXXX. I did n't receive any notice of the change. And will not be able to take a tax right off if it is n't payed in full by 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 08-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, midland funding took over a credit debt back in 2008 and we went to court and midland funding told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm XXXX hired by midland funding has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Balance transfer

Complaint: After talking with multiple departments to combine my capital one credit cards to lower the interest rate, today I am frustrated with a customer service rep who addresses my concerns, with " Oh my god '' after I respectfully ask to speak to a manager. I was told that I could combine my credit cards from Capital one to the lower interest rate almost 3 weeks ago and that I would receive the confirmation in the mail, today XXXX, employee ID XXXX, supervisor that informed me that nothing could be done and the previous representatives was wrong. My complaint is gross miscommunication, unprofessional behavior, failure to provide accurate information/plans a consumer can participate. Speaking to a customer in a unprofessional manner such as I was today. Totally unprofessional and uncalled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Incorrect information on your report

Complaint: There is a {$22000.00} discrepancy between the mortgage principle balance shown on my monthly statements ( {$220000.00} ) and that shown on my credit reports ( {$240000.00} ). I 've called Wells Fargo to explain this discrepancy and their explanation did nothing but confuse me more.

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 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report In XXXX 2015, and it showed a collection agency " Common wealth financial system/ NE Credit collection '' reported to XXXX and XXXX an account in the amount of {$750.00}. I disputed this account with XXXX on XXXX XXXX, 2015 advising the account was not mine and on XXXX XXXX, 2015 the investigation was completed, advising proof of the debt was provided. I mailed a dispute directly to the entity on XXXX XXXX, 2015, advising the derogatory report be removed, and to provide validity of the debt/ account if the derogatory reporting is not removed. This dispute was received by the entity on XXXX XXXX, 2015 and as of today XXXX XXXX, 2015 the derogatory report is still on my credit and I am yet to receive a response from them validating the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX 2016 of this year, I Became unemployed lost my job, me and my wife immediately notified our lender freedom mortgage, about the situation. We submit the proper paperwork over 5 times now. applying for so called programs that they offer. the first time there underwritter lost all of our information. We have been going through this process since XXXX of 2016 and every 30 days they need us to submit the same paperwork or make a payment by a certain date. We are making payments and they are not applying the amounts that we send in to our loan, so that they can continue to collect interest on our loan

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 08/13/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX incorrect addresses XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX nj

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My account is with GM Financial. I mailed a payment by priority mail on XX/XX/XXXX. GM processed only {$190.00} of a {$310.00} payment on XX/XX/XXXX. I sent them proof of my payment five times via fax to customer service and their corporate headquarters. As of XX/XX/XXXX, they stay have not corrected my credit file and are reporting that I am delinquent when I am not. My credit score has been adversely affected and I was denied credit due to GM financial falsely reporting negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Starting approx XX/XX/XXXX I was unable to view my Equifax credit report, get a score, or lift or place a report credit freeze. I have subscription to Equifx.com 's credit monitoring produce as well as XXXX XXXX monitoring produce. In addition, I have a free account with XXXX. I am unable to view my Equifax file or score using any of these three products.
The last time I was able to view my fie was X/X/17 Every time I call Equifax, I am offered no assistance There was a one week period where it appeared the problem was resolved but for the last 3 straight weeks and 5 out of the last 6 weeks, I cant access my file

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 XXXX XXXX, 2017 I disputed two tax liens being reported by Equifax on my credit file, dispute # XXXX. The dispute information came back as verified according to Equifax according to the representative at their company. Something which they have also failed to inform me personally about. Equifax continues to report incorrect and non-validated tax lien information on my credit report. Equifax is reporting two tax liens on my credit report I have personally contacted both the IRS and the XXXX County recorders office and they have stated and assured me that Equifax has never requested nor received any tax lien information directly from these entities. Equifax continues to state that they have verified the information but they have not verified and even more so not validated any information with the source of the information. Allowing unvalidated information and/or using a third party to validate any information is not allowed under federal guidelines. Further under the new guidelines established by the CFPB itself, there is missing information and incorrect information that prevents them from continuing to have this tax lien information noted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: Was scammed when buying tickets over the internet. Person used the phone number XXXX to communicate and also the email address : XXXXXXXXXXXX. Transferred {$3000.00} via paypal. Tickets did not arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On on XXXX XXXX I have called my self XXXX XXXX XXXX  in XXXX California of a debt I have with XXXX and we have made a deal that i will pay the first amount of XXXX than every month to pay XXXX in which I have done just that phone electronic to my bank as follow : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX ( for the month of XXXX ) I finish to pay as agree according to the deal on paper XXXX XXXX send to me. As I finished to pay. Now I received another bill that I own more money as well every seconds their harassment phone call from my job and my cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We once had a XXXX XXXX account which was back from 2003, my wife remembers paying the balance off which was about $ 3k out of my bonus years ago. This company has been purchased by many different companies for example XXXX XXXX backed this account when we opened, then Capital One, then GE. We feel this debt was paid, we requested verification of debt, calculations and signed initial contract to make sure this is even our debt and nothing has ever been received. Not once were we called to even collect nor anything in the mail. The only time we knew there was an issue was pulling our credit which is now off because we disputed with the XXXX major credit agencies but this afternoon I received a XXXX claiming I owe and this company wrote off which we do not owe per our records. We need some help here. Please investigate and assist us, we have no where to turn to obtain some kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: *i have recorded calls of all of these conversations* on thursday ( XX/XX/XXXX ) a purchase was made and never appeared until the next day. I called and spoke to XXXX XXXX about their " grace period '' on overdrafting accts. who said this ( at the time - $ XXXX.xx ) would be due Monday before midnight. saturday ( XX/XX/XXXX ) an overdraft occurred to my account of - {$37.00}. I called and was directed to drive to the branch. the branch said this has nothing to do with them, then spent hours on the phone finally resolving the issue by " XXXX '' stating she will waive the o.d. fee as long as I deposit whatever I owe, minus the {$37.00}.
I call today (XX/XX/XXXX) to verify this and now they want to play games saying this " miscellaneous refund '' was from XX/XX/XXXX( Friday ) and I will not receive a refund from XX/XX/XXXX, because " people make mistakes ... she must have not seen the refund ''. they are completely trying to scam people and allow representatives of a company lie and " sweep it under the rug '', while I do not have {$37.00} to deposit, which will continue to obtain daily fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Great Lakes on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by Great Lakes and I disagree with this information reporting via XXXX, XXXX, and XXXX. 

I never was late on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Payoff process

Complaint: We refinanced our home to pay off some credit cards. A check was mailed to Citi Cards with the payment coupon sheet in the amount of {$9500.00}. Citi did not post the payment. After two full weeks, I contacted Citi and presented the paid canceled check from XXXX XXXX company. I was promised the funds would be applied to my account within 48 hours on XXXX XXXX, 2015. It is now XXXX XXXX with no funds posted to the account. I have called and spoke to multiple account supervisors and the funds are always 2 to 3 days from being posted. They have the payment and have refused to post it in a prompt manner. Let others take note that Citi can not or will not post payments promptly. I will never recommend this card to a friend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loan is from XXXX XXXX XXXX in XXXX XXXX, it used to be on XXXX XXXX but I guess they moved to mile of cars way. Interest is as high as 7 % and I can not use any of the credits I got there anywhere else, I still owe XXXX, I want some relief or a refund because this school is just not worth it, none of the teachers knew what they were doing. My loan used to be with XXXX XXXX but now it is with navient.

Company response to consumer: Closed with explanation