milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian as repeatedly claimed to ave re-verified information that either is n't mine or is n't correct. They 've ruined my credit for years. I also added a fraud alert and they continue releasing my report without my permission and the inquiries do not meet fair use criteria. Finally, they report incorrect personal information and refuse to remove it no matter what proof I provide. 
I am providing proof I have a {$0.00} balance on my XXXX XXXX Credit Card. 
XXXX XXXX is not my account and has never been. I do have an XXXX account with a {$2800.00} limit, but it 's not this account number. 
XXXX XXXX XXXX is older than 7 years and should n't be on my report to begin with, but I also ave proof from them it should be removed. 
XXXX had no right to request my credit report for fair use or any other reason. This inquiry must be removed ASAP XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type All banks - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I 've ad to pay for alerts and credit monitoring due to their gross mishandling of my file aka my life.

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 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement. 
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Mortgage (Conventional home mortgage) with PROVIDENT FUNDING ASSOCIATES (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX/XXXX/XXXX I received a loan application rejection notice from Provident Funding Associates ( PFA ), XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX. The loan was requested for {$110000.00} though the house was appraised at {$160000.00}. My credit score was reported at XXXX. 

I was rejected due to roof conditions of the house as the only reason although a roofer repaired minor work to the roof for {$6500.00}. The repairs were paid for from my available cash funds though the licensed roofer 's report and the appraisal report said these repairs were minor and could wait. I had proposed an escrow arrangement with PFA as this HUD home purchase would not allow any work before closing, but PFA rejected that too. I would have waited to fix the roof as it was not necessary at this time, but did fix the roof after closing with a new lender. 

I pursued and obtained a loan through another company and was approved though repair of the roof was not a pre-condition.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reached a settlement agreement with the debt collector to make two monthly installments to pay the debt. It was agreed upon that I would call on or before the due date to make each payment. When I called to make the first payment, the representative would not take my payment, stating that the only way he could do so was if I set up the next payment to be automatically deducted from my bank account at the same time. This was not the agreement, nor was this included in the written settlement agreement sent to me. I filed a disput with the XXXX, the company responded by giving me the name and direct extension of an account manager to call. I have tried several times to reach this person. They do not answer the phone or return messages. They have now filed a civil judgement for the full amount of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TCF NATIONAL BANK (MN).
Issue: Trouble during payment process

Complaint: Every month I automatically make my mortgage payment to TCF from a bank account I have set up with TCF. Under the terms of the home equity line of credit, I must make the payment from an account at TCF. Periodically I replenish funds in that account ( from my checking account at another bank ). To remind me when funds are running low I have notifications set up with TCF so I receive an email if funds in that TCF account are running low. Normally this all works just fine.
However, TCF just upgraded their web services, and in doing so my notifications did not migrate to the new system. I called TCF, and they were nice ; they reversed the {$37.00} charge to my account. 

The reason I 'm writing this note is that I wonder how many others have been hit with fees, but perhaps are n't as well equipped to sort this out. Seems a little unfair.

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 05/15/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The magnetic strip was not working on my Targ et Red Card so I  ordered a new card. I never received the new card. Someone intercepted the new card, activated it online and used it to purchase electronics. On  XXXX   XXXX ,  2017  I was notified of the series of fraudulent charges. I immediately disputed these charges. I contacted an attorney who sent in an ID Theft Affidavit, Police Report and supporting documents. We are also working on getting the surveillance tapes from Target. Target denied my ID Theft claim based on the wrong information that the card used to buy these electronics was in my possession. The card used to purchase the fraudulent items was the replacement card that I never received. I have had a very difficult time trying to work this out with Target.     I hope your agency can help communicate the correct facts and get this resolved. I have made the minimum payments on this account, so my credit is not ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: I made a reservation with XXXX in XXXX, with a quoted amount, which I have in writing. XXXX charged my American Express Account {$1200.00} more than I was quoted. XXXX has provided American Express with documents that are forged, they are not the forms I signed, and the signatures are clearly not mine. The forms I signed in XXXX were in XXXX, however they ( XXXX ) provided credit card receipts in XXXX to American Express with signatures that are not mine. I have re-filed my dispute 7 times now. I am at a loss fighting with a huge company that does not care that I have been overcharged severely, and because I did business with them, they will not file a fraud charge. This is fraud, they call it a dispute just because my card was not stolen, but it is fraud. XXXX will not respond to my emails, so I have no recourse with them ( as they are in another country ). I expect American Express to protect me and they continue to let me down.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We were in BKXXXX, which has now been completed as of XXXX XXXX, 2017, according to court records. Our payments have been XXXX. NationStar force placed insurance, increasing our payments to {$1200.00}, according to my documentation from them, as well as the courts. However, we have received information from there website that our payments are {$2100.00}. We have called and ask for an explanation but we kept getting transferred, place on hold and transferred again. We are right out of bankruptcy XXXX, along with the fact that the bankruptcy itself was a nightmare ( separate complaint to follow ) we are again faced with hindrances, making if nearly impossible to move on with our lives, because one department does not know what the other is doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: not sure I see some inquiries on my report, that I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion is allowing an Illegally operating XXXX XXXX XXXX to submit information to my report. They have allowed XXXX XXXX XXXX to submit a derogatory remark to my file. This is an unverified item from a company that is not even licensed as a legitimate XXXX XXXX XXXX in the State of Texas. According to Section 392. 101 of the Texas Finance Code, it is illegal for a third party collection agency to pursue a debt without being properly licensed and bonded in the state of Texas. XXXX XXXX XXXX is not licensed or bonded in Texas and the proof is attached.

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 06-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage Company, Ditech, failed to apply payments I made to my payment due on XXXX XXXX. XXXX payments were made in XXXX totaling the amount due for the XXXX XXXX payment. Ditech applied those payments as " principle '' payments. I contacted them on XXXX first via phone, to advise that there apparently was an error in their application of said payments. Since then my wife and I have contacted them 3 more times via phone and XXXX email to their customer service department. It is over 30 days now and nothing has been corrected. They have now applied late fees and have failed to return calls, or respond appropriately to what should have been an easy fix. I have never made any payments late, and this is my XXXX home I have owned without ever having such a terrible experience with a lender that purchased the loan from Greentree XXXX last year. 
I am attaching my payment history, email and evidence to support. I feel I have run out of options in trying to resolve this matter directly with them. 
Please assist, thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: I had a high interest loan with cash call for approx. XXXX which I defaulted on in XXXX. 
Cash call hired a collection company to get their money. the company was ccrs in XX/XX/XXXX. they said they represented cash call and agreed to a settlement of the loan for one lump sum. 
XXXX which I agreed and paid to them. 
they said they would remove all the negative reports to the credit bureaus and report paid in full .which was not done. 
Since that time I have contacted cash call to correct my credit reports and they said they no longer own the loan. 
that another company bought the loan to contact them so they collected the money from me then turned around and sold the loan after the fact. 
and still reporting it as a chargeoff account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called in to Convergent outsourcing solutions to get verification of a debit that showed up on my credit XXXX, XXXX 2016. I called in and requested a letter for the debt. The representative told me that she could n't send me a letter because I was n't making payment on the debt at the time that I was requesting the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: Due to the way Paypal manages their accounts it 's not entirely clear which country your Paypal account is tied to. In my case my original Paypal account was not tied to the US and when I received funds ( ~ {$1600.00} ) into this account I could n't withdraw them without having to pay a transaction fee of about {$65.00}. When I contacted Paypal I was advised to transfer these funds to my US based Paypal account after which the transaction fee would be reimbursed. 

After making this transaction Paypal refused to reimburse the transaction fee and after talking to a handful of Paypal representatives and not getting anywhere I decided to file a complaint with my credit card company as I used my credit card to pay for this transaction. 

My credit card company ( XXXX XXXX ) was able to get my transaction fee back from Paypal but as a result the funds I originally transferred were nowhere to be found. XXXX XXXX only received the {$65.00} transaction fee while Paypal 's official description of these funds is that they were in " limbo '' ( I have an audio recording of a Paypal representative stating this ). 

My Paypal account however shows my current balance to be in the negative for this exact amount so I am personally on the hook for Paypal 's systems losing this money. After talking to Paypal for at least a dozen times I have n't been able to get this resolved. To make matters worse, Paypal has now given this account to a debt collector for follow up. 

I am not sure what to do here as I have n't been able to find somebody at Paypal who is willing to accept responsibility and take the time to resolve this in the right manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. improperly stored my identity information resulting in a security breach that included my name, SSN, birth date, address, and drivers license number. I have filed a 90 day initial fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.

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 07-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 10/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Delinquent account

Complaint: American Express contacted my family members, with whom I do NOT live, about an overdue credit card balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Consumer Loan (Vehicle loan) with Helm Associates (PA).
Issue: Problems when you are unable to pay

Complaint: I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case.

Company response to consumer: Closed with non-monetary relief