milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, Equifax, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for and was approved for the XXXX Credit card by Synchrony bank. After several weeks the card had not come and i called them on XXXX/XXXX/16 and spoke with XXXX " XXXX '' in the fraud dept. I was told that Synchrony will not issue the card unless they have a copy front and back of my license on file. I objected to this because my photo, DL and financial info can be used by hackers to create fake id for terrorists and criminals using my face should they be hacked. Synchrony refuses to issue the card they approved unless i expose myself to major potential identity theft should their systems be compromised. Synchrony does not seem to care that a security breach in their system can create major opportunities for terrorist and criminal organizations to steal identities wreak havoc and destroy the lives of those customers who have been victimized by the breach,

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 03/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a call from XXXX x XXXX at DiTech Financial on XX/XX/2017 at XXXX. He called to ask me, " how things were going. '' I advised him that I was n't sure what the purpose of this call was but should n't you be the one telling me how things were going? He had no explanation for the call. I told him the reason for this call since I 've never received calls back from him despite the dozens and dozens of messages I left for him was the complaint filed by me. He stated, " yes, that was the reason '' even though he had no information to give me. He put me on hold for several minutes so he could speak with his manager. When he returned, he stated, " my manager has no information to give you. '' I again told him that I really did n't know what the purpose of the call was other than to waste my time. I asked him to make sure his notes on my account for this call reflected just that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Other mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a XXXX mortgage with XXXX in XX/XX/XXXX for {$21000.00}. The account was sold to Springleaf Financial, I believe in XXXX. My current balance is {$19000.00}. So in over XXXX years may balance has only reduced by {$1500.00}. I do n't understand how this can be. I was wanting to refi my 1st mortgage but this account is keeping from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX  stating the paid my car loan off to XXXX XXXX yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX  ice nevee been four payments late I changed my due date

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 01-03-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Trouble during payment process

Complaint: I have ready posted several documents of proof to CFPB for help. On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX XXXX sent notice of illegal default and demanded payment or they would push my account to foreclosure. I was illegally and without proof, extorted to pay all monies on said documented dates to bring my account current ... ... .. AND I DID. 
In response to the payment in full my account WAS NOT brought current but sold to Select Portfolio Servicing Inc. and NOW they are demanding the same amount stating I never became current. I even read a notice from Select Portfolio Servicing Inc., that mentioned dollar amounts BEFORE I paid the total amount to become current. On the one hand Select Portfolio Servicing is saying that they have nothing to do with the amounts owed to XXXX but on the other they are demanding those same and more dollar amounts. 
This is an illegal act of loan sharking. 
I have legal documented proof of the " cure '' notice and entire payment of said harassing " cure '' to XXXX paying off all pass threatening balances ; and at the same time proving that NOW Select Portfolio Servicing Inc. is the using the same harnessing and bullying tactics to push me again into the same intentional scamming default. 
I am now receiving notices at my private home pushed into my mailbox. 
I have made payments at the end of XX/XX/XXXX ... .accepted by XX/XX/XXXX, then again a second payment at the end of XX/XX/XXXX, a payment at the end of XX/XX/XXXX, and a payment at the end of XX/XX/XXXX. 
These payments have ALL been documented and made AFTER the payment in TOTAL of the threatening default " cure '' notice paid at the end of XX/XX/XXXX. 
1 - HOW DO I STILL OWE 2 MONTHS OF PAYMENTS and 2 - WHY IS SELECT PORTFOLIO USING THE SAME HARASSING TACTICS? 
Note : I am submitting another complaint form so that I can resubmit said documents previously submitted to CFPB with the same details as the above letter Very 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 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Closing/Cancelling account

Complaint: I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made? 
'

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 11-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of 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 12-04-2017 about Debt collection (Payday loan debt) with Eastpoint Recovery Group, Inc (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: East Point Recoevry lefted two voice messages on my sister phone stateing this is impoint message intender for ( My name ) then stated that they are trying to get ahold of me to collect a debt that i owe.my sister doesnt need to know that im in debt and now she does becaue they left voice message on her phone stated that i owe money

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 have disputed the XXXX XXXX accounts on my report multiple times. XXXX XXXX have not sent me a contract showing my interest rate nor my signature. According to the 609 ( a ) Credit if something cant be verify it must come off my credit. They will send me a summary of a account but they dont have no original documentation. I will be reporting them to the the Arizona attorney general in 2 weeks if this is not of 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 11/18/2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (SC).
Issue: Problems when you are unable to pay

Complaint: Recently my payments on my personal loan with Lendmark Financial has went into default. I still try to make at least one payment until I can get caught up on all payments. Recently I wrote Lendmark a letter asking them to stop contacting me by phone and to contact me by mail because the phone were 3 to 4 times a day every day after that I was served with XXXX Court Papers so now they are claiming no payments have been paid and they want the payoff balance. The only notification I received about this action was letter in the mail from the Court. Lendmark only sent me the next month statement and a letter to defer my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

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 09-02-2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: US Bank is being disonest with the CFPB and myself by not directly answering my questions : Did US B ank hav e 11 recordi ngs of calls in which I allegedly participated?  Does US Bank have a method to record, store and catalog all calls to its call centers regarding credit cards. US Bank is misleading its cardholders when it states " Each time you contact our Cardmember Service Department we provide a message that states your call may be monitored or recorded for quality purposes '' US Ba nk claims it is using the recorded calls for " quality control purposes '' when it is using those calls for other reasons.      US Bank also claims, falsely that the signatures on the sales drafts match the signatures on my application and other documents. I hired a forensic handwriting analyst and he claimed there was no similarities, but US bank  refuses to provide their own analysis to support their specious claim.

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 Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was sold a vehicle that stop running and required a lot of maintenance after a few months. When approved I was advise nothing was wrong with the vehicle, also the inspection was up to date. I constantly tried returning the vehicle but no luck. I was advised by Credit Acceptance Corp that if I did a voluntary repo they would have someone come get the vehicle, resell it, and not report it to any credit bureaus. This voluntary repo is being reported to all 3 CRAs and the information being reported in inaccurate. There are also 2 tradelines on my reports for this account and both are reporting different, and inaccurate information. I also disputed, and sent 2 dept validation letters and received no response. It has been passed 30 days and by law this debt must be removed, or addition action will be taken.

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 03-06-2018 about Mortgage (Other type of mortgage) with Ditech Financial LLC (ME).
Issue: Trouble during payment process

Complaint: Ditech ( run by former execs of XXXX Mortgage ) holds my HAMP approved mortgage. Account # XXXX. I signed the XXXX XXXX statement for good compliance, which reduces my principle by {$5000.00} in XXXX, and it was received ( certified mail ) on XX/XX/XXXX by Ditech. 
I called them for update or progress report on XX/XX/XXXX. Their report to me is that The Government has not Released the funds. 

Please help me understand, or follow up further. 

Thank you so much for your fine service in the past, and now!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation