milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a XXXX post paid account that has been added and deleted to my credit file several times. The date of first delinquency with this creditor was in XX/XX/XXXX and it appeared on my credit file as XXXX in XX/XX/XXXX. The accuracy of the information was challenged and subsequently deleted. This item appeared again on my credit report XX/XX/XXXX with a open account date of XXXX XXXX under the collection agency, XXXX XXXX, XXXX, Account # XXXX, the Experian Credit report # XXXX. This information was challenged and subsequently deleted. Now, the information is once again showing on my Experian credit file report # XXXX under the collection agency, XXXX XXXX XXXX with an open account date of XXXX, XXXX. I challenged the accuracy of this information as it is a re-aged account in XXXX, XXXX and I received an email confirming the investigation was completed and the credit collection will remain an open account with a date of XXXX, XXXX despite this information is a re-aged account. Please assist me with this matter as it has seriously damaged my credit score since it is showing as a new collection account and it is also going to remain on my credit file longer than legal because it is re-aged to XX/XX/XXXX rather than the first date of delinquency in 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 non-monetary relief
Consumer complaint received 09/22/2016 about Bank account or service (Other bank product/service) with TRUHOME SOLUTIONS, LLC (MO).
Issue: Making/receiving payments, sending money

Complaint: In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (I do not know) with Streamline Recovery Inc (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX

Company response to consumer: Untimely response
Consumer complaint received 05/25/2017 about Checking or savings account (Other banking product or service) with BB&T CORPORATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded  XXXX  after th e OIG and  whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from  XXXX . I suspect malpractice or simply dirty.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 was in a 3 year vehicle lease agreement with the creditor, which I paid off 100 % in a balloon payment at the start of the lease. I turned in the vehicle in XX/XX/XXXX. According to the creditor 's policy the {$590.00} fee is waived if a customer buys or orders another XXXX XXXX. I spoke with XXXX XXXX ( " Salesman '' ) at XXXX XXXX of XXXX ( " Dealer '' ) in XX/XX/XXXX and placed an order for a new car. XXXX contacted me a few weeks later to let me know that this model is now UNAVAILABLE in Diesel. He also said that the dealership would " take care '' of the {$590.00} fee with the creditor as it was not my fault this the manufacturer could not deliver the vehicle I ordered. 

In XX/XX/XXXX the creditor started sending me letters and calling me about me needing to pay them {$590.00}. I explained to them what happened, however they refused to talk to the dealer about it. They also offered that if I paid them {$300.00}, they will be good with that. 

I first contacted TransUnion on XX/XX/XXXX after I saw an adverse account with an outstanding balance of {$590.00} on my report. They delivered the dispute results on XX/XX/XXXX, however nothing changed and this adverse charge was not removed. I initiated a second dispute that same day. TransUnion came back in XXXX of XXXX and nothing changed then either. 

Before TransUnion started reporting this, my credit score was in XXXX. Afterwards, it dropped to XXXX. I have always had an exceptional credit and credit score, and this item has negatively affected my life in more ways than one.

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 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Credit decision / Underwriting

Complaint: i was approved for a loan by wells Fargo for the amount of XXXX to purchase a home from my uncle they needed a signed gift of equity letter but my uncle refused to sign it then the bank said they would have to issue a loan differently XXXX set up a loan with XXXX percent down and a escrow account 2 weeks before closing he said the underwriter needed XXXX percent down of which i did not have then he recommended rerunning my credit score without telling me if it was lower he would not provide the loan nothing change on my credit score as far as i knew except some bills were removed from collections as i have paid them off then he said my score was a XXXX but when i checked it was a XXXX so he declined to give me the loan he sent me to a credit union for twice the interest but too late for the closing now my uncle terminated the offer to purchase i wish to sue wells Fargo for the loan amount to find another home as i believe they discriminated against 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 monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is attempting to collect a debt for XXXX originally from HSBC that is not mine. I challenge that I owe this debt and request proof that I actually incurred this debt, not simply proof that a collection agency owns it. Furthermore, for this debt to hypothetically be mine, it would have been first delinquent in XXXX 2008. This places the debt outside the 6 year statute to be collected on, and past the 7 year limit on being reportable to credit bureaus. Collecting or reporting in this debt is a violation of my consumer rights and the FCRA, as well as the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 08/22/2016 about Debt collection (I do not know) with Clark County Collection Service (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested these XXXX accounts be validated and was told that they did not have to since it was not requested in the first 30 days. I never received notice at any point that I owed anyone any money. I have disputed this with the bureaus several times and spoke to this company directly. I am getting the run around and there is nothing that indicates this is mine. I want it off my credit report this is absolutely illegal what they are trying to do. I want a letter from them indicating they are deleting any reference to the XXXX accounts XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Trouble during payment process

Complaint: As part of the settlement, BOA agrees to pay {$12000.00} moving costs. I have asked repeatedly to have this money forwarded to us. Once again in their response they have mentioned that they offered to pay the {$12000.00}. I am asking that you intercede an collect the {$12000.00} as part of their offer to sell the property. The property will be moved before the end of the month and the funds are needed to complete this.

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 06/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Good evening, I 'm constantly receiving mail and phone calls from Portfolio Recovery Associates LLC in reference to a credit card that I have no recollection of. What 's troubling is, it 's the same lady calling every time. The Merchant is XXXX XXXX XXXX in which I had a checking account but I had poor credit then so I do n't recall having had a credit card from this bank. However, this account is past ten years now. I 've been harrassed for almost five years by the same woman. The bottom of the letter even states " Because of the age of your debt, we will not sue you for it and we will not report it to any crefit reporting agency '' How can I get them to stop harrassing me or can I sue them or her for emotional distress? Their number is XXXX, located in XXXX Virginia. Thanks for your time and help. Be Blessed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I tried to close out my loan with Ditech on XXXX XXXX. Our reoccurring payment was supposed to process on XXXX XXXX. However, they processed our payment on XXXX XXXX and then did n't close out the loan until XXXX XXXX, holding our overpayment " hostage ''. We contacted them on the XXXX when the payment came out and they said they ca n't cancel it. Then the system was down from XXXX XXXX XXXX and during this entire time frame we were unable to get any information about our loan. Now on XXXX XXXX they still can not give me any information on the status of the refund they owe me, only that it will be evaluated at the end of XXXX. I can understand if it takes awhile to process the check but I should be able to know my exact account balance daily - not over a month later.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: This school is complete fraudulent I attended the school without a high school diploma and they offer me job re placement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my GED so that was n't the problem moving forward.i wrote them I disputed because im willing to   take legal actions to get my money back so I could receive a loan to go to another school

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have called and disputed my personal information with transunion more then 3 times and everytime my information is not correct or removed! 1. My name is XXXX XXXX! No other name should appear. 2. Only address is XXXX XXXX XXXX, XXXX IL XXXX, no other address should appear 3.phone number is XXXX no other number should appear! 4.only emplyrr is XXXX XXXX , no other employer should appear!!

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 11-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting a medical debt on my name under collection account in the name of " XXXX '' in the amount of {$440.00}. It was deleted off my credit file in XX/XX/XXXX because the collection agency failed verify the debt in 30 days. But Equifax reinserted the file in XX/XX/XXXX and since then refusing to investigate the account even though this account is closed and ca n't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (FHA mortgage) with Selene Finance LP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification thru the hamp program, My current mortgage went from XXXX to {$1200.00}. Its still 46 % of my income. I did not receive any financial relief with the program that I applied for. I am also question the current interest rate that went from XXXX to 4.250 % The current marrket rate is 3.4 %. The servicer of my loan is not giving me any relieft what so ever regarding my current loan. I am need of help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 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: Public record information inaccurate

Complaint: Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the bill in the store in XXXX XXXX, I can not find the receipt proving that I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Private student loan debt) with AES/PHEAA (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX XXXX.
They are calling my friends. I have no idea how they are getting their numbers. Called several times over the past week from XXXX, XXXX and XXXX. My friends have repeatedly asked them to stop calling. I have asked them to stop calling me yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     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 06/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wells Fargo is not disclosing my pay information to   XXXX   in a timely manner.   XXXX   needs to receive notice that I was paid before it allows me to withdraw funds on a current pay period. Repeatedly, this has not happened until 4 or 5 days after I received my paycheck direct deposit.

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 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient services my repayment plans for the XXXX student loans I have. As best I can understand my repayments of this now nearly {$400000.00} student loan debt, I am in an income contingent plan for some loans, in an income based plan for others, and in an undefined ( to my knowledge ) repayment plan for still others. My total monthly payment for all loans is approximately {$880.00}, about a quarter of my monthly income from alimony and any self employment I can obtain. I am over XXXX XXXX XXXX, single, and struggle with every penny to pay for my health care and these student loans. Today, XXXX XXXX, XXXX I called Navient to ask for an explanation of the monthly {$67.00} charge labeled " unpaid fees '' on the paper bill I receive for the loans in the undefined repayment plan. Navient 's customer service rep XXXX stated that I will be charged {$67.00} every month as " unpaid fees '' until all my loans are paid off. XXXX stated that when I pay the {$67.00}, that amount gets distributed " somehow '' across my loans but could not tell me how much or for which loans. She further advised me not to pay this fee and said if I did not I would remain current if I paid {$810.00} each month.

Company response to consumer: Closed with explanation