milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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 am asking that the 30 day late negative placed on my credit report by XXXX XXXX XXXX be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website 2 more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using XXXX financial services, I am extremely disappointed to be writing this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX credit and three done without my consent or knowledge this credit request was done fraudulently

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: XXXX and Equifax are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and Equifax and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and Equifax needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

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. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: EQUIFAX IS SHOWING XXXX XXXX ON MY CREDIT REPORT TWICE ONE HAS A XXXX BALNCE ONE HAS A BALANCE OF XXXX. SHOULD ONLY BE 1 ACCOUNT XXXX  BALANCE. PLEASE REMOVE THE 2ND ACCOUNT ONLY 1 ACCOUNT WITH CREDITOR. XXXX XXXX IS SHOWING INCORRECT BALANCE. BALANCE IS XXXX THIS WAS PAID THRU A 3RD PARTY COLLECTION AGENCY PLEASE VERIFY WITH COMPANY. XXXX XXXX IS SHOWING 120 PAST DUE THAT IS INACCURATE INFORMATION PLEASE CORRECT. O DAYS PAST DUE.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Santander is reporting negative information on my credit report. I have taken the necessary step to dispute the information with the credit bureaus. ( I disputed the account in XXXX XXXX ) The credit reporting agencies said everything was verified with the data furnisher & if I had questions about the account I needed to contact the data furnisher directly. I 've sent them XXXX different requests XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX to provide me with all necessary documentation showing the account belong to me. They have ignored my requests. So I contacted the credit reporting agencies & they said I need to supply documents showing the information is inaccurate. I 'm very confused ... how would I have information showing these accounts are inaccurate? I 've researched the FDCPA & FCRA and found out that it is the responsibly of the data furnisher to provide the consumer with all proper documentation when requested.They are not following the rules & I 'd like this information removed immediately!!! I 've included the letters sent to Santander to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Managing the loan or lease

Complaint: Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Trouble during payment process

Complaint: My husband and I were XXXX from bankruptcy in XXXX XXXX. We were instructed by our attorney to begin paying our mortgage with our XXXX XXXX payment in which we did. Prior to this it was paid by the trustees office. In XXXX XXXX we tried to apply for a new air conditioning unit for our home and we were denied. I then pulled our credit report and that 's when I saw that it was being reported late for the month of XXXX or XXXX. That is when I called Bank of America to question this reporting and they told me I need to pay more money to catch up my payment. I asked them how was that possible when I just began paying and everything has been payed as agreed by the trustees office. I requested a payment history from them in which I could not follow because of how they entered things into the system. I had been calling them for months to no avail when we received a letter telling us that our mortgage servicer was changing to another company. We were upset about that due to the fact that we had been trying to fix this problem and it has n't been fixed. I have since disputed the late on my credit report and it was removed but now my new company has reported us late and we have not missed a payment since we started paying in XXXX XXXX. I recently disputed this with Bank of America with a letter to thier dispute department. They have refused to correct this error stating that it is not their error but ours. The response that was mailed back to us stated that they refunded us the money because it was placed in escrow. I have combed through my paperwork and nowhere does it show anything different was applied to escrow other than what was supposed to be applied. Also they stated that we missed our XXXX payment and we did not. They did not receive the XXXX payment because the letter that we received informing us of the transfer informed us not to pay them after the XXXX of XXXX. Since I had not received my paycheck yet, I had to wait until after the XXXX to pay my mortgage. I have even tried to correct this with the new company and they refuse to because it was sent to them with a late status. I have attached all the documents that I believe you will need. We have tried everything and to have your credit be torn down by something that we ca n't control is mind boggling. We have been trying to rebuild our credit and this is n't helping. 

Please do not hesitate to contact me if you need more information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 10/18/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (CA).
Issue: Deposits and withdrawals

Complaint: Rush card has not released my direct deposit. I am unable to withdraw any funds from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with Ark-La-Tex Financial Services, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016, my mortgage company, Benchmark, did not pay my homeowners insurance premium to XXXX XXXX XXXX from my escrow account. No one contacted me about the lack of payment, I just happened to notice that on my insurance app my policy was listed as " cancelled ''. When I called to figure out why my policy was cancelled, I spoke to XXXX representatives from the mortgage and insurance company and they said the situation was resolved. 
In XXXX 2016, my policy was still listed as cancelled. When I called, apparently the situation had not been resolved and my policy was cancelled.. Again, I got representatives on the phone who got in a XXXX way phone call with me to resolve any and all issues so that my policy could be reinstated. I payed {$450.00} in order for this to occur as a penalty. I also learned that my homeowner policy was cancelled for the last 6 weeks as a result of lack of payment. I was promised follow-up calls from each company in 10 working days to verify the situation had been resolved. 
XXXX 2016 - Still no payment had been made. Neither representative called to verify payment as set up previously. Spent a week on the phone with each company, and as off today XXXX/XXXX/16, no payment has been received. I am having to make the payment myself so the policy is not cancelled a second time.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a foreclosure on my home in   XX/XX/XXXX .   XXXX  reported it on my credit in    XX/XX/XXXX   . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX  Mortgage contacted  XXXX  telling them this debt ( charge-off of {$35000.00 } ) was to o old and needed to be removed. They refused to remove it, stating we had made payments in   XX/XX/XXXX ,  XX/XX/XXXX  and   XX/XX/XXXX   of that year (  XX/XX/XXXX  ).  We were unable to purchase a home due to their fraudulent claims.     I disputed it with   XXXX   and thankfully they removed it. I have tried to dispute with Equifax (    XX/XX/XXXX    ), but  XXXX  reported we never missed a payment from   XX/XX/XXXX  to  XX/XX/XXXX   and we make payments on the loan ev ery 3-4 months . They have not reported to  XXXX  any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from    XX/XX/XXXX - XX/XX/XXXX   , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in  a 7-year  period to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am the primary borrower on an FHA mortgage from Wells Fargo Bank. For my XX/XX/XXXX payment, I accidentally scheduled a payment from an account that had no funds ( because it appears first on the Wells Fargo portal ). 

Wells Fargo 's online system tried to process the payment and ( not surprisingly ) the payment bounced for insufficient funds. Rather than notify me, they proceeded to process the payment 2 more times, resulting in a total of {$96.00} in insufficient funds charges on my originating account. 

My complaint is based on the following : ( a ) If the payment bounced the first time, why would Wells Fargo continue to attempt to process the payment 2 more times without notifying me? 

( b ) Is there anything in Wells Fargo 's documentation that clearly informs the consumer that a submitted payment will be processed multiple times without prior notification to the consumer?

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Urgent!!! Urgent!! 
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review. 
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income. 
Kindly confirm receipt of this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: eBay have developed an amazing new trick in maximizing profits by withholdingcustomers access to their own money. 

I sold a bicycle on eBay auction for {$800.00} ( XXXX/XXXX/15 ) The buyer paid PayPal {$860.00} ( ( {$800.00} plus {$67.00} eBay specified shipping charges ) PayPal immediately deducted their fee of $ XXXX flagged my PayPal account had a balance of {$840.00} whilstsimultaneously placing a hold on these same funds. 
The hold being controlled by eBay. 
eBay unilaterally and randomly decide the length of the hold with no means for customers to challenge. 
A very small number of high user ( meaning big spender to eBay ) customers are freed from this hold imposition. 
With present day virtual and instantaneous money management eBay is able to control and profit from my money still being in their account for their own uses. With the enormous customer throughput even the average small transaction amount generates huge profits to eBay all without asking/telling the customer. 

During my hold period eBay had the temerity to email to say that they would be automatically deducting, from my credit card, their fees for the auction before the hold was lifted. 
As of XXXX/XXXX/15 funds are still " on hold ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company place this on my credit report and disputed it and call them and sent them a letter asking them to send me proof that this is debt belongs to me which they have not. I know they received the letter because I mail it certified on XXXX XXXX,2017 and they received it XXXX XXXX, 2017. plus I gave them 30 day to reply which they have not, so I am filing a complaint with you to have them provide what I have requested or have them remove it off my 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 10/22/2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I received an unsolicited credit card from CBNA/Sears and it shows a balance of {$67.00} that is now showing up in all three credit bureau reports as a new account. I received the card in the mail and called them immediately to cancel it. They told me that they did. I did not apply for a credit card, I did not purchase anything for {$67.00}, so this is a fraudulent transaction.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a security breach and my information, including my social security number, was potentially sharec.

Company response to consumer: Closed with explanation