milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 filed a dispute with Experian,  XXXX , and   XXXX   in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  US ba nkruptcy court. I sent a letter to  the US Bankruptcy court on    XXXX   XXXX ,    2016  and they sent me a letter back stating that th e US Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work  with the bureaus directly. I Then sent a letter to Experian  XXXX , and  XXXX  on  XXXX / XXXX / 2016  advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided Experian,  XXXX , and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  Tax Lien. The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the Tax Lien and they told m e the same thing.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of these companies and have not applied for credit at any of them!

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 07/17/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease

Complaint: I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Other transaction problem

Complaint: I have been a victim of PayPal scams in the past. I was attempting to order footwear online and somehow this company use PayPal. My information was immediately added to PayPal without my authorization and Im unable to cancel my PayPal account to avoid future fraud issues. Upon attempting multiple times to cancel account it now shows that I have to upload my ID. I just want my entire PayPal account cancelled before my bank card is compromised. All of the reviews stated that this company refuse to cancel accounts and give you the run around. Customer service just hang up on you. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: XXXX claims they sent a letter of validation on XXXX XXXX 2013, i would like for them to send me a copy of said letter. 

Also i need to ask how much they purchased this said debt for from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved it.

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 09-11-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFUL TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT

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 10/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage services seterus made a mistake with my county tax escrow account. I received the letter saying my regular payment was gona go from XXXX to XXXX in XXXX. I immediately called and corrected there county tax info they did another escrow analysis. the new payment actually was now XXXX for XXXX.. They refuse to change my payment and say if you do n't pay the amount they will foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: we disputed public record of bankruptcy filed XXXX2009 credit bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Billing disputes

Complaint: I have a XXXX XXXX XXXX credit card offered through Barclay Bank. I never authorized automatic renew of my XXXX XXXX XXXX membership charged to XXXX XXXX XXXX credit card. Barclay Bank charged {$25.00} automatic renew fee and refused to issue refund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 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: Information belongs to someone else

Complaint: According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Making/receiving payments, sending money

Complaint: Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. 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 12-01-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: For 3 months, I 've been in contact with PNC Bank in attempt to revised my mortgage payment that will increase early next year. Throughout this process, PNC Bank has repeatedly push me towards a Short Sale option on home I own since XXXX as their ONLY solution to the fact I 'm a XXXX American living strictly on XXXX XXXX. 

It should be known, that I never been late on any PNC Mortgage payments in 10 years & I 'm current on my Property Taxes & Home Insurance. So why is PNC XXXX bent to force me out my home & will not work with me to lower my home payment that will increase in 2 months?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been charged late fees and have received late notices as a result incorrect information. This is in regards to my account. I am certain this is a result of my escrow account ( homeowners insurance ), where they say I have insufficient funds to pay my homeowners insurance. The insufficient amount is approximately around {$1.00} XXXX - {$2500.00}. I can not understand this negative balance. I do suspect the amount is not correct just by virtue of having made all of my scheduled payments without any being past due. They sent me a notice in XXXX 2016 stating my monthly payment would rise from {$370.00} to {$540.00}. In order to start to pay down the insufficient escrow balance and it would be current in one year. I disputed over the phone w/ a Freedom Mortgage Representative. They said their records indicated I had a negative escrow balance. At which time I accepted their analysis and stated, I could not afford to pay {$540.00}. And I requested a smaller payment amount where it would take a year longer to reach a positive escrow balance. A representative was able to make the necessary arrangements where my new payment would be {$450.00} for 2 years. 
I started making that payment amount in XXXX 2016, XXXX 2016 and XXXX 2016. Each month was paid on time and before the late date. I have the cleared checks from my financial institution to verify all payments.

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 01-08-2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Pop up on credit I wasnt aware of this Debt

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I find it deeply concerning, while making amends to my bad credit due to a loss of my job in XXXX, that I am unable to obtain a lender 's blessing for a mortgage! Posted all over the internet are the claims of obtaining a mortgage even with bad credit! After 4 different applications no one is willing to give me chance!! XXXX receive second chances or even more regardless of their past behavior. Why ca n't I obtain a First Time Homeowners mortgage after a ONE time issue in my life with credit that was n't my fault? Please tell me who will give me a mortage with my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Other mortgage) with Selene Finance LP (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Selene Finance is two months delinquent with our Escrow refund after we left the company ( also due to their terrible service ). We received a letter stating the refund was sent on XX/XX/XXXX, and have called them over 10 times since then, assured each time that the payment would be remitted. They will not disclose to us what notes have been taken on our file, and are not remitting our money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service of Logan, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX and Credit Service of Logan contacted me seeking payment of a debt without the source documents. I asked for the documents and neither company could produce them. Instead they produced an old contract from XX/XX/2011 which had been cancelled. If this were indeed the source document, then It would indicate that XXXX has been overbilling me for over 5 years by $ XXXX. I have contacted both companies and they fail to resolve the issue or produce the appropriate documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (ID).
Issue: Advertising and marketing

Complaint: This phone caller continues to call my home phone number repeatedly regarding billing, products and collections. I have never had an account with said company nor have I applied with them yet they call my home phone repeatedly. Please have them comply with your recent Consent Order # XXXX. The number of the caller has been XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 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: XXXX-2017 spoke to rep at Trans Union in regards to being a victim of their inquiry issue glitch. I was given the scripted run around. Unacceptable.

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 12/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR MORTGAGE CONTINUES TO LIE TO CUSTOMERS ABOUT OWNERSHIP OF THEIR MORTGAGES. OVER AND OVER THEY CLAIM TO BE THE FEDERAL GOVERNMENT WHILE ACTIVELY DEFRAUDING IT THROUGH A COMPLEX BUT EASILY UNRAVELED FORECLOSURE SCAM. 

NATIONSTAR CONTINUES TO LIE ON THE CFPB RESPONSES, IGNORING NEW EVIDENCE WHILE PENCIL WHIPPING THE SAME, LYING, DISHONEST ANSWERS FROM PRIOR DECEPTIVE ANSWERS. 

NATIONSTAR TOLD THE CFPB THAT OUR PAYMENT IS {$940.00} THIS MONTH BUT OUR STATEMENT IN THE MAIL IS JUST UNDER {$2500.00} .... INTENTIONALLY DECEPTIVE WITH FEES ADDED AND GROWING FOR NO VALID REASON. 

NATIONSTAR REFUSES TO MAIL ACCURATE MONTHLY STATEMENTS. 

NATIONSTAR CONTINUES TO STEAL PRINCIPAL WITHOUT CREDIT. 

XXXX AND XXXX ARE RUNNING A WELL ORGANIZED, MULTIBILLION DOLLAR, CRIMINAL SCAM. 

FORTRESS INVESTMENTS AND NATIONSTAR ARE CRIMINAL ORGANIZATIONS AND XXXX SEEMS TO BE THE SOLE SOURCE OF ALL OF THE VIOLATIONS BELOW HIM. THEFT, DECEPTION AND WRONGDOING ARE STANDARD. 

COMPLIANCE IS NEAR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( XXXX. XXXX. XXXX. XXXX XXXX XXXX. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.

Company response to consumer: Closed with explanation