milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt to XXXX XXXX XXXX was sent to a 3rd party collection company in XXXX. My balance once sent to collections was a little over {$1800.00}. I made payments of {$75.00} directly to XXXX & XXXX on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I returned the rental instrument ( sax ) on XXXX/XXXX/XXXX to the XXXX & XXXX store, which should have credited at least another {$800.00}. I then made additional payments directly to the 3rd party collection agency ( Transworld Systems ) on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$75.00} each time. I have spoken with XXXX & XXXX and they told me that I need to speak to Transworld Systems and that there was nothing that they could do. They confirmed that any payments that they received from me were sent directly to Transworld. I called Transworld Systems and they had no knowledge of any payments made to XXXX XXXX XXXX, or of the instrument being returned. They told me that they would look into it and update my balance. I disputed my credit report twice and the balance still shows the original amount.

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 GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: GM Financial is incorrectly reporting late payments from  XX/XX/XXXX  to XX/XX/XXXX  on an account/loan that I paid off in XX/XX/XXXX to  XXXX . This has lowered my credit score by  XXXX  points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on  XX/XX/XXXX  @   XXXX   CST and explained to   XXXX   ( Employee ID #  XXXX  ) and she offered no help to fix problem. I called GM Financial once again @  XXXX  CST and spoke to  XXXX  ( Employee ID #  XXXX  ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had  16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day  late paymen ts, and 2 - 60 da y late payments that were between  XXXX  -  XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in  XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX  to XX/XX/XXXX  in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on   XXXX   and refuses to correct. I attached the  XXXX  credit report showing these errors. I also attached the  XXXX  credit report which is accurate and shows that I paid off loan in  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: No response

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Managing the loan or lease

Complaint: I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was laid off in XX/XX/XXXX from Bank of America where I have my mortgage loan. In XX/XX/XXXX I was hired at another company but my income was decreased. I applied for home loan assistance with Bank of America and was declined. In XX/XX/XXXX I applied again for home loan assistance because I was going through a divorce hardship. Bank of America refused to follow up with my loan application and prolonged the process for months. My counselor never contacted me in a timely manner to let me know what documents were needed to review my application. The only want I would know that something was missing from my application was to call her. The representatives never returned my calls in a timely manner. In XX/XX/XXXX, I finally received that a notice that my application was declined because there was no evidence of hardship. After speaking with a representative she advised me that I could appeal the process and another representative advised me that because I was divorced I did have a true hardship but that I would need to reapply. This conversation took place on Tuesday XX/XX/XXXX. The representative advised me that I would get a new application package overnighted to me the next. I still have not received this application. Bank of America has been the worst bank and they have not tried to assist me. I am fed up and would like help immediately. I feel that this is a UDAP issue because they have prolonged my application and because my loan was declined when I did show hardship.

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 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To Whomever it may concern, I lost my home to foreclosure in 2006, prior to that I attempted to file for bankruptcy in order to save my home but it failed. During that time all of my bills were in limbo.Once everything fell thru I was contacted by I believe at the time XXXX XXXX XXXX XXXX and then Pressler and Pressler stating that they had purchased a debt from XXXX for a XXXX telephone bill of {$120.00} to which they state is now well over {$800.00} in which I 'm not even sure is mine. As the years have gone on I finally said lets be done with them and just pay it. I set up a payment arrangement with them and after my second payment, they placed a levy/hold on my bank account without notice and proceeded to try and take my money in which the court returned to me. I have been living in fear of them for over 10 years. They have harassed, threatened me and any family members that they could get a hold of. I 've moved and I feel like I 'm in hiding over such a trivial matter but it 's just the response to the fear that I have of them. They are by far the most ruthless and unethical law firm that I have ever come across or know of. I just want to be able to get a bank account with confidence without worry about whether or not they will find a court or judge to sign off on a judgement without knowing all the facts and proof that it 's a debt that I owe. And above all else without proper notification to me. Please help. I 'm not sure what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 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 information incorrect

Complaint: We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My FICA score which they allude to not having anything to do with reflects  XXXX . All corrections were Filed as well with Experian who has NOT updated the other  XXXX  bureaus! NOTE on each complaint filed  XXXX   XXXX  WAS included as was  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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My complaint is regarding a dispute pertaining to a erroneous, inaccurate alledged bankruptcy on my Trans Union Credit Report. Trans Union report # XXXX dated XX/XX/2016. After receiving notice that the alledged bankruptcy dispute was verified, I requested the Method of Verification. The Fair Credit Reporting Act 611 ( A ) ( 6 ) ( iii ) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes but is not limited to the business name and address of the furnisher of the information and telephone number of such furnisher. I submitted via certified mail article # XXXX XXXX XXXX. XXXX XXXX and it was received by Trans Union on XXXX XXXX 2016. This can be XXXXXXXXXXXX 24 Hours. Additionally, Trans Union continues to blatantly disregard my request for the Method of Verification. Let me forewarn CFPB Trans Union will fail to mention in their reply the person who they spoke with, telephone number or give any description of the procedure used to verify this bankruptcy. I spoke with the court who states they were never contacted regarding this matter so why would T
rans Union state such? Trans Union will fail to mention that they have failed to comply with providing the Method of Verification within 15 days as required under the Fair Credit Reporting Act. I want the MOV or this inaccurate, injurious,  erroneous bankruptcy removed immediately from my Trans Union credit report. I would like to Thank the CFPB sincerely in advance for its time and effort in this matter.

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 05/19/2016 about Mortgage (Conventional fixed mortgage) with GATEWAY MORTGAGE GROUP, LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I emailed XXXXXXXXXXXX a copy of a delinquent notice I received for my XXXX bond. The payment was due XXXX XXXX. After receiving no response, I called and spoke with your customer service agent XXXX XXXX on XXXX XXXX. He was very helpful and asked me to resend the delinquent notice directly to him. Several days later I received a voicemail message on my home phone from another Gateway employee that they had corrected the problem and payment had been made. 

On XXXX XXXX, I received via Certified Mail a notice showing that the original amount due had been paid, but the late charges were not. This was sent via email to XXXXXXXXXXXX on XXXX XXXX. Another follow-up email was sent XXXX XXXX after I had not received a reply. 

On XXXX XXXX, I received a second certified letter, so I called Gateway again. I can not remember the name of the representative I spoke with that day. Rather than just trying to get payment made I asked for an explanation why your company has such a hard time with a simple escrow payment. I was assured after XXXX minutes on the phone that a computer error was corrected and payment would be made. 

Through indirect channels, I learned my home was being prepared for auction to pay the outstanding balance. The XXXX bond website still shows XXXX has not made payment at XXXX Since I have a vested interest in maintaining my home, and Gateway 's staff appears to be functionally incompetent, I paid the outstanding fees via personal check on XXXX XXXX. 

Because all late fees incurred were caused by the failure of Gateway, I demand immediate reimbursement for the {$290.00} I paid to satisfy the outstand amount due as set forth in 12 CFR 1024.34 of the RESPA. I also request Gateway make any necessary changes to ensure all future escrow payments are made in timely manner.

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 10/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I have been asking for months for Amex to provide me with validation of a closed account they show on my credit report. They state that this account was opened on XXXX XXXX XXXX and was closed on XXXX XXXX XXXX with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Bank of America to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with QC HOLDINGS INC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/XXXX, Due to financial hardship, I financed approximately {$500.00} with XXXX XXXX XXXX. I was unaware that I would be charged approximately {$400.00} in interest. Due to health issues I defaulted on this in XX/XX/XXXX. In XX/XX/XXXX, they sold my account to a collection agency. They sold my account, knowing I had health issues and knowing I was seeking a reasonable payment arrangement. The only solution the collection agency that XXXX XXXX XXXX, sold my account to was : a buy out or to set up arrangements with my checking account information ; they refused to accept a money order or any other alternatives.

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 05-07-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is illegally reporting XXXX accounts that passed thethe 7 year reporting period and XXXX accounts shouldbe deleted immediately.I have disputed XXXX accounts. 
these XXXX accounts have surpassed the 7 year periodXXXX ) XXXX XXXX XXXX - # XXXXThis account was to be removed XX/XX/XXXX 
Experian re-aged to be removed in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - # XXXXThis account also is illegally reporting after 7 yearsand should be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been with Selene Finance for a year or so now and everything was going well. About three months ago they sent me a letter along with a certified letter stating that if I did not send my payments by the XXXX of every month that their would be steps taken. Granted that XX/XX/XXXX is when it is due but I have a grace period of 15 days so it is not late until XX/XX/XXXX. I would always send it before the month was up so it did not show on my credit report. I ignored the letter and threw it away. Little did I know that they would stop sending me statements. For XX/XX/XXXX and XX/XX/XXXX I did not receive a statement. I sent them an email which they sent me back weeks later that they had thirty days to get back to me. I never heard anything. I let it go. Then I receive my XXXX bill which has my credit score listed every month. XX/XX/XXXX, it had dropped XXXX points!!! I could n't believe it! I started to investigate and checked my credit report through XXXX and realized that Selen Finance had told XXXX that my account is closed and that I am in chapter XXXX bankruptcy!! That is a bold face lie! I have never been in bankruptcy nor do I need to be considering my credit score was at around XXXX!! I disputed this with XXXX and they just sent me the results of their findings that it will be removed XX/XX/XXXX. First and foremost, I am not in bankruptcy and my account is not closed!! They receive my payment evry month. The bankruptcy can be checked by courthouse records and they can check my account with my account number. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is trying to collect a debt from me and I never established a contract with them, in addition this company has reported negative items onto my credit reports and they are in complete violation of the FCRA Law!

Company response to consumer: Closed with explanation