milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Years ago I lost my purse that contained a lot of pertinent sensitive information. I have XXXX hard unauthorized credit inquiries from XXXX ( in 1 year! ) and an unauthorized hard credit inquiry from XXXX XXXX XXXX on my TransUnion credit report. I have been in contact with TransUnion informing them that these were unauthorized credit inquiries and that I wanted them deleted from my account. Transunion stated for me to reach out to the Creditors and request a deletion letter. The creditors informed me that they do n't do deletion letters and do n't even have a way to process them anymore that the credit bureau would have to call them. I have been back and forth between the credit bureau and the creditors but to no avail they keep pointing blame at each other. As I have been consistently checking on this I noticed that in XX/XX/2016 on my TransUnion credit report these items had been deleted but reinserted later on without giving any notification. I spoke with the TransUnion supervisor informing them of this and they stated that it was a glitch but informed me that I still would have to speak to the creditors to get a letter of deletion before hanging up on me. I would like for this to be permanently removed from my credit report due to reinserting it back on my account and being an unauthorized inquiries.

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 03/22/2016 about Payday loan () with Dynamic Recovery Solutions, LLC (FL).
Issue: Can't contact lender

Complaint: I keep receiving calls at my work cell ( never gave this number ) and my personal number during working hours about some debt that was already settled back in 2015. They keep calling and harrasing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The initial bill was for a legitimate medical fee. XXXX and XXXX XXXX could not agree on which insurer was responsible. Time elapsed. Finally paid the bill but check was returned to my bank. Subsequently have received multiple letters from a collection agency even though I paid the bill on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Id like to make a complain about the XXXX XXXX. I paid XXXX dollars in one payment which covered the whole balance of the account only to see that the next day there was a XXXX dollars balance. I called to ask where that balance came from when I just paid the card in full and they claimed it was from a pending purchase plus 12 dollars of interest. The last purchases were on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX. I dont understand how those purchases were still pending when it had been 2 weeks since those purchases. Id like to get those 56 dollars back and keep the card closed. 

XXXX XXXX XXXX XXXX 23 {$23.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX XXXX for amount XXXX REWARDS 23 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XX/XX/XXXX XXXX XXXX XXXX 46 {$22.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX for amount XXXX REWARDS 46 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XXXX/XXXX/XXXX XXXX XXXX 25 {$25.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX for amount XXXX REWARDS 25 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT 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 monetary relief
Consumer complaint received 06-09-2016 about Debt collection (Medical) with United Collection Service, Inc (FL) (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter from United Collection Service , Inc. dated XXXX XXXX, 2016. I replied by certified mail / return receipt disputing the entire debt and this letter was received and signed for by them on XXXX XXXX, 2016. I have not received any written communication from them since their receipt of my letter. But today the attempted to contact me by phone which they are not allowed to do as they have they received my written dispute letter and not responded to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Recently I contacted Bank of America in an effort to refinance my house and get out of the ridiculous rate of interest that I was currently paying on my first mortgage and my home equity line of credi t. (  8.625 % ) 4 years ago, I got divorced and went from a  XXXX  family income to a single person income, and I fell behind in my mortgage and home equity line of credit payments, but eventually caught up and have made both payments regularly fo r four y ears now. Due to the fact that four years ago Bank of America issued me a foreclosure letter on my current property, but nothing since then, I was refused a " Cash Out '' refinance option that would allow me to roll the first and second mortgage into  XXXX  and reduce my interest amounts considerably. When I asked my agent to provide me with the reasoning behind why I did n't qualify for the " Cash Out '' option instead of just qualifying for refinancing the first mortgage, he stated that because I had received that foreclosure letter four years ago, that according to Bank of America 's guidelines, I did n't qualify for combining the first and second mortgage. I asked the agent that I was working with to provide me with a written explanation of why I did n't qualify for the combined mortgage option, and he told me, " Bank of America 's legal team advised him against sending me anything in writing to why I was n't being considered for the " Cash Out option. '' He also stated to me, " since I was being considered for the refinance of just the first mortgage, that Bank of America does n't send out explanations unless the loan for which you are currently being considered is n't approved. ''

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 01/20/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the XXXX major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquiries. These repetitive inquiries are unjust, unnecessary, and adversely affecting my credit score ; therefore, I demand that SYNCHRONY BANK discontinue its discriminatory practice of unjustly submitting information resulting in the unjust and adverse lowering of my credit scores with the major credit reporting agencies.

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 12/13/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit determination

Complaint: I have a Bloomingdale 's credit card and been a loyal customer for a little over a year now. My bill is paid on-time everymonth. Today XX/XX/2015 I received a letter in the mail from them date XXXX XXXX, 2015 that they were decreasing my credit limit from {$600.00}, to {$500.00}, because they ran my credit and seen that my credit score had dropped, I never authroized them to check my credit and before assuming my credit score dropped because of myself they should have verfiied with me to see if I had some ID theft resulting in fraudulent accounts being open in my name. What crazy about the letter is that although I 'm just receieving it, it says that they ran my credit in XX/XX/2015 and seen this drop and now two months later are decreasing my limit, after I just paid the bill. So now I feel like they are profiling me and assuming I 'm not going to pay my bills. As of today XXXX 2015 my credit score has return back to normal and is fair, my credit score has increased again because I had those fraudulent accounts removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Trouble during payment process

Complaint: I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with     XXXX   XXXX   and sold to   XXXX   XXXX   and now since last  XXXX    XXXX   it was acquired by  Bayview Loan Servicing  company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the  XXXX  of each month with a 15 day grace period to the  XXXX  If  my payment is not received by Bayview by  the   XXXX  of each month they call to every day, even though I 'm not late until the  XXXX .   I am not late and I am ahead of the mortgage by pay more than due each month

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was recently establish a membership to XXXX XXXX XXXX XXXX XXXX in XXXX Virginia short name XXXX XXXX because of the name XXXX XXXX Sounds Great they got all The Top Brass and I got Little interested to bank with them. the great thing they have to offer to many product like mortgage auto loan Multiple credit card ETC. I open my account because I thought they might offer me a credit card with higher credit Limit so I can supply the Shortage on my XXXX XXXX XXXX  Fees, Books, Gas Money, and Food. all of these expectation were end up on disappointnment when I found Im not qualify for the first time so my application # XXXX on XXXX XXXX, XXXX was TurnDown and never give up and another try application # XXXX on XXXX XXXX, XXXX was turn down also and try the third time application # XXXX on XXXX XXXX, XXXX was turn down again. 
all of these Denial from XXXX XXXX XXXX XXXX are bases on Equifax Report and all the reason are the same result and all end up to nothing and disappointing I wish you guys can help me to Investigate what is wrong to the Equifax Report and Im Hoping to resolve the Issue with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with DISCOVER BANK (MO).
Issue: Billing disputes

Complaint: I paid for a hotel stay in XXXX 2016 with my Discover card, and subsequently disputed the charges based on the mold and other health issues in the room, lack of promised services, and property theft by hotel staff. Discover processed the dispute, placed it in my favor by completing a chargeback, and then reversed it today claiming their charges were correct. I have disputed this several times with the company and with Discover, and Discover refuses to handle the issue professionally and appropriately.

Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Medical) with Automated Accounts Management Services (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i have filed on these ppl several times mi id my whole purse was stoden a few years back these ppl stold even my insurance cards my drivers licemce everything the original hospital or whatever is now gone i cant get any answers

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MI).
Issue: APR or interest rate

Complaint: First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. 

Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. 

They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 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: My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with DISCOVER BANK (FL).
Issue: APR or interest rate

Complaint: I was notified by Discovercard on XX/XX/2017 that due to a change in my credit profile, they were lowering the available credit. Nothing has changed in the last year, I have never made a late payment to Discover or any of my other creditors, my debt ratios have been the same, I have not applied for any bank loans, my last bank loan was exactly 1 year ago. What did change was I accepted a balance transfer with Discover for a 0 % promotional interest rate offer good for 1 year. Now that Discover has lowered my available credit, I am forced to start paying back this balance transfer early. This bank changed the terms, even though I have a near 3 year relationship with them, with perfect credit, no missed payments ever! Since I already paid the balance transfer fee, I am out those funds, without the full value of my 0 % APR!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: On my account ending in XXXX, I have opted out for and and all courtesy overdraft protection options XXXX ATM & Everyday Transactions - Checks & All Other Transactions ). On XXXX/XXXX/2015 my available balance was {$31.00}. On XXXX/XXXX/2015 a payment in the amount of {$300.00} was posted ( POS AUTH XXXX XXXX Auto Finance XXXX ) I do not understand, if I have opted out of these services, why this payment was authorized. This also generated a NSF on my account in the amount of {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: these inquiries on the bureaus do not belong to me, I have submitted paperwork and they did not remove the inquiries after multiple disputes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 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: I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Deposits and withdrawals

Complaint: Navy Federal Credit Union was sent a Cashier 's Check and mobile deposit cheques that have been dishonored and not processed, also said by XXXX an agent of the credit union, that the mobile deposits were returned. For what reason was asked, and was told that the federal reserve board and the institution were it came from said the check was invalid, proceeded to ask for proof of that and was denied. As for the Cashier 's Check, sent on XXXX/XXXX/16, was informed by XXXX that it was still processing, which should have been processed 2 to five business day for funds to be released. Through this period of trying to resolve the problem, a statement of account was asked to be sent to the credit union, it was complied with and sent through fax. After speaking with the agent, it was informed that the account is in overdraft of almost $ -XXXX and that it is frozen for no access. XXXX informed that the account will stay frozen which in no way able to perform a cure to the 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 05-11-2015 about Debt collection (Payday loan) with Premier Recovery Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: they have called repeated times contacting me and my employer at my place of employment being loud and threatening to the people who are answering the calls. Have threatened to garnish my wages.

Company response to consumer: Closed
Consumer complaint received 12-06-2016 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: This loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of {$500.00}. I have since revoked my ACH ( too early to know if they will abide ). 

Also, I have advised them that the legal amount that could have been charged to my loan is the principal amount, even IF their Internet pay day loan were legal anywhere in the U.S.. I am willing to pay the principle amount of the loan only, however, this means I am entitled to a refund of any interest I paid on all loans with your company. This means all of the following loans from the past : For example : **For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$1000.00} and have paid {$580.00} to date. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1200.00} to the loan, so you owe me {$450.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$800.00} and have paid {$1000.00} to the loan, so you owe me {$200.00}. 
**For the loan # XXXX dated XXXX/XXXX/16, I borrowed {$750.00} and have paid {$1000.00} to the loan, so you owe me {$260.00}. 

- for the loans from XXXX/XXXX/16 to today alone, you owe me {$500.00} back in overpaid interest ( what I overpaid in past loans less what I owe on the current loan ) t!!!!!! This does not include all principal for loans over {$500.00} ( as that is the maximum allowed in Florida )

Company response to consumer: Closed with explanation