milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against XXXX. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for XXXX to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. XXXX and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.

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 10-09-2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Customer service / Customer relations

Complaint: I am unable to access my eBay MasterCard credit card account online. I have called multiple times to PayPal and eBay to get help and am transferred to multiple operators and back and forth to eBay and PayPal without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX at XXXX someone spend {$1900.00} at 2 different XXXX one was declaine and the other was not. This was in a town about 1hrs from where I live, but that day I was working and I was on the other side of town about 2hrs from where this transactions took place at XXXX I try to put gas and my card did not work and then I started getting text messages saying to verify some of the purchases, with a yes if it had been me using my card or no if one or more transactions where not mine. I reply NO and called the fraud department, the lady that answer the phone said not to worry it was obvious that it was a fraud and that Ill get all my money back. I told her I need it that money back on my account because I had to close my house on XX/XX/XXXX. I got the money credit back to my account on the XX/XX/XXXX or XX/XX/XXXX then I got a letter saying that they had concluded the investigations and in their conclusion there was no fraud made in my account I called and had them re-open my account went and got a police report I called a few times to check on the status and all they said was we are working on it, till today XX/XX/XXXX i got an email saying they have concluded the investigation and I was still responsable for the {$950.00} of the transaction that was approved because apparently they had my card and my PIN number. I had never given my pin to anyone and I had the card with me all the time. This was with Bank of America I closed all my account with them already.

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 07/29/2016 about Mortgage (Other mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Got behind in payment, the property went into Bankruptcy. the lender got relief from stay. Now I 'm able to bring the loan current, lender/servicing company will not sent escrow or my self reinstatement and the sale date is XXXX/XXXX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: DITECH Financial LLC, mortgage servicer of my XXXX loan, is in noncompliance with Recasting my loan that I qualify for after meeting all six year requirements ( per directive of Dodd-Frank HAMP {$10000.00} principle reduction incentive ). Since XX/XX/2016, DITECH has delayed implementation of my Recast. I have filed nearly a dozen complaints with DITECH as well as with XXXX and my US House of Representatives -- The Honorable XXXX office. Please help in getting DITECH to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (RI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called USAA consumer service on XXXX XXXX XXXX to question the continued interest on a XXXX cash advance and was told nothing could be done to rectify to matter. 

I 'm a veteran and I feel I am being cheated and was misled in regards to the use of a USAA credit Cash advance feature. I took out XXXX as a XXXXash advance in XXXX. I was told that the repayment of the XXXX would be applied first from my monthly payment and that I would have to pay interest on the advance until it was paid off. This is acceptable, but now I 'm find out I have to pay interest on the XXXX until the total credit card balance is paid off. USAA is charging interest on the credit card balance and plus charging interest for a XXXX  cash advance that has been paid in full for the life of the card. DOUBLE INTEREST! 

If USAA disclaimer was made clear, I would not have accepted those terms. Who would? 

They said that they read the terms explaining the interest on the advance continues until the Purchases on the card was paid off, I disagree, it was ( the cash advance ) until advance balance, not the full card balance.

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 09/20/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax Credit Bureau is reporting unverified accounts on my credit report.m This is in violation of Section 609 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: We are current on our loan paying bi-monthly and Wells Fargo charged a late fee.

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 08-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing bought our mortgage loan while we were in bankruptcy when the bankruptcy stop taking payments because it was time to be discharged we contacted SPS to make our mortgage payment, we were told that we did not have a payment due and they could not accept payments until they received discharge papers we informed them that out bankruptcy lawyer told us to contact them to start payments they 've outdoor not take a payment so we asked for proof that nothing was owed so they began sending statements stating this is not an attempt to collect a debt with no amount being owed and told us to use that for our records we called twice monthly from XX/XX/XXXX to XX/XX/XXXX still given the same answer and XX/XX/XXXX we received a call and a statement from SPS stating we were 5 months behind and would go into foreclosure unless it was paid or they could help us do a modification. We told them we would find someone to refinance and a few days later itvwas added to our credit report hindering us from a refinance. We contacted them on several occassions with complaints and was told that we could have contacted them and made payments but they could not contact us we informed them that we did contact them on several occasions to make a payment and was denied. We asked if the negative items could be removed from our credit report because it was false and we have been told that there would be an investigation but nothing has changed and we keep getting the run around. There practice is unjust and unfair. They have XXXX complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Oportun Financial Corporation (CA).
Issue: Struggling to pay your loan

Complaint: I took out a payday loan with Oportun in XXXX XXXX, CA off XXXX XXXX. The friends and family used as references are being harassed despite their attempts to demand that representatives stop calling them. When representatives call they are divulging that I am late on my loan payment and want them to provide information on my whereabouts, along with passing along their message. Despite telling them to stop on a recorded line, walking into the office to speaking directly with a teller and sending a C & D in writing they wilfully persist. It is impossible to get them to stop constant harassing calls to me and my family/friends. They have humiliated me beyond human imagination. They call from different telephone numbers and have even contacted my employers to further damage my character. This was the worse loan processor I 've ever dealt with and it seems that a {$500.00} is never going to be repaid with the interest that has been tacked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Debt collection (Medical) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Billing disputes

Complaint: I wish to have your assistance in disputing XXXX charges paid on my statement as " Legal Fees ''. I have since discovered that they ( XXXX XXXX XXXX ) are unlicensed and under FBI investigation for their lack of licensing and unethical conduct. I paid them a total of {$7300.00} on XXXX separate charges XX/XX/2015 {$5900.00} and XX/XX/2015 {$1300.00}. Please see that this charge is reversed they are not who they say they are and are soon to be shut down. I paid them and the services that have not been rendered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I spoke with XXXX XXXX from Green Tree Servicing. This is the company that bought my loan from XXXX XXXX. After trying for a year to do a short sale on my condo, I was forced to keep it because they would not agree to a settlement. After trying to negotiate with them for a year, I decided to rent out my condo because it was going to go to foreclosure. I do not want to keep the condo, and the bank is recognizing this problem, but they can not do anything about Green Tree. Consequently, they continue to ask for documents that they already have. THis has been going on for a year. They continue to harass me with telephone calls and tell me to go to relatives to borrow the money that I owe them. XXXX XXXX told me to ask my " sugar daddy '' for money. He said that they did not want to make an offer because I might have won the lottery without telling them. This was very disrespectful and uncalled for. I find Green Tree to be very unethical and practice bad business habits. Now, I am again back to the beginning with them asking for more documentation. Its just a vicious circle. I can not get an answer from them. I am submitting this complaint, so that someone will answer my questions. I just want a resolution, so I can proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied to a loan. Transunion inform the bank that my automobile was placed for collection because I did not paid on time. I went to XXXX Bank in XXXX XXXX to claim that the information was a mistake. In XXXX 2015 I paid the car loan completed and today I have the title of my car. The Bank blame TransUnion or the computer. Then I called TransUnion and they blame the bank. Meanwhile, I need the make a loan and because of this situation now I have to paid 12 % of interest instead of 4 % due to the error on my credit report. Someone has to paid this mistake. I am very disappointed with both XXXX Bank and TransUnion Credit Report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 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 XXXX student loans with Navient that currently show XXXX missed payments back in XX/XX/2014. This is definitely incorrect because after my semester ended in XX/XX/2014 and I knew that my loans were coming up for payment I entered my deferment paperwork. This paperwork was accepted and approved. I do n't ever remember receiving any information regarding late payments and I currently do n't have any payments due at this time. I believe they are reporting false information and I have made several attempts to work this situation out. I do n't have any other late payments on my credit report and these are really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company claim that I paid them. I have never conducted any business with Franklin company. I have never paid them any funds on behave of XXXX. They can not provide a receipt stating the correct date I paid XXXX or who accepted the payment from their company. They also added the debt after the date that I allegedly paid them to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: I got a call from said name of XXXX XXXX ( XXXX ) XXXX he was calling from XXXXthat I was a Recipient of {$9000.00} grant to get this send {$220.00} to XXXX XXXX in XXXX so i did when no money came he told me that XXXX XXXX will release money XXXX told me i need to {$380.00} to XXXX XXXX.after I send XXXX XXXX ( XXXX ) XXXX he then told me the IRS had a hold to send {$590.00} to release the money in 15min.I think that I am a victom of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Medical debt) with Credit Bureau Systems, Inc. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted XXXX and paid them once I realized I had a bill with them. I contacted scam collection agency which was rude and didn't believe I had taken care of bill with the hospital. I want the negative listing removed from my credit reports.

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 08/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Bank of America. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I initially open this account my due date was on the sixth of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a student loan with XXXX. The loan was placed for collection with XXXX XXXX XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX a " paid coll '' XXXX. 

This week when my report was pulled the XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise. 

I have disputed this with the XXXX credit bureaus and they left it on the file. This violation of the FCRA is a violation by by these credit bureaus

Company response to consumer: Closed with non-monetary relief