milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: For years I have been trying to fix errors. Nothing has worked. Even when I sent complaint to cfpb. Experian gets away with murder and nothing is done. On my report portfolio recovery has me for collection for XXXX $ still years later they wo n't send any info on an account that is not mine. Experian refuses to investigate again after they did XXXX time and company claims it 's mine. No proof at all just says it is. XXXX XXXX should read paid in settlement for auto loan. It was not written off. XXXX XXXX also reporting a debt I am paying off in a settlement. They refuse to investigate or correct errors. They will just send a letter saying we already investigated and will not again. This is n't fair and my credit is ruined for years.

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 05-01-2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't stop charges to bank account

Complaint: I revoked my ACH option for the loan. The loan was forwarded to a third party collections company who made an attempt to represent a check to my back it was returned. I contacted the company on XX/XX/XXXX to let them know that they do not have permissions to present any checks to my bank. On, XX/XX/XXXX another check was presented and then I contacted the company they were hostile and were not appearing to offer a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had an FHA mortgage with XXXX for {$55000.00}, under FHA case number XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I believe my original lender transferred the loan. XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the Certificate holders of the XXXX, XXXX, Reperforming Loan Remic Trust Certificatesm, Series XXXX sued me to foreclose on my loan. The bank took a judgment against me for foreclosure. However, I never was served with a summons and complaint in this case. A special process server said that he served my son, however ; my son does not live with me at the home and has never received a complaint and summons. My attorney tried to vacate the foreclosure judgment, however, the court would not allow him to vacate the judgment, stating that it did not matter if he lived with me, because he was related to me, that means that the sheriff could serve him. The court also took the word of the process server, over mine. Needless to say, I was not able to present a defense on my behalf and they purchased my home for about {$15000.00} at the Sheriff 's Sale. As an FHA beneficiary, the bank was required to send out notice to me prior to foreclosure. They were required to offer me options ( like a forbearance, a modification, and other resources in order to help me save my home. ) The bank failed to work with me. In fact I even tried to negotiate with them before and after the sale of my home, but they have ignored me. They are not following the FHA rules 24 C.F.R. 203.604, 203.501, 203.605, 203.606. It appears that all they want to do is go to HUD and collect on the mortgage insurance without talking to me. This is not how it is supposed to work. My husband and I are pastors at the XXXX XXXX XXXX XXXX in XXXX, which is located a few blocks from the property. Please help us. We are still in our home at this point and do not want to be evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I used XXXX XXXX XXXX XXXX to obtain a loan for a XXXX XXXX inXX/XX/XXXX. I started receiving calls from collections because they said I did not pay the correct amount. I have always paid on time and was confused. I went in and out of the bank trying to find what was wrong. Finally XXXX  XXXX a Banker for Wells Fargo took the time to investigate thoroughly and found that Wells Fargo Dealer Services has been charging me for insurance. Although on many occasions my XXXX XXXX Broker has faxed the proof of insurance they were still charging me. In order to end this matter against my judgement at the advice of the Banker I agreed to pay XXXX for the months that they say I owed. I received a phone call inXX/XX/XXXX that said I owed a late fee although I disagreed I paid extra fees on my XX/XX/XXXXpayment. OnXX/XX/XXXXI received a phone call from Wells Fargo Dealer Services telling me that the payment I made inXX/XX/XXXXwent toward my payment and not the fees. I explained that the teller told me that he collected the car note and fees, I have not control on how they are allocated. I was also told at this time that my payment is higher than normal because they have added insurance to my note. This is the third time this has happened and My XXXX XXXX Agent can corroborate.

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 08/25/2015 about Credit card () with CITIBANK, N.A. (VI).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX 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 12/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX I received {$460.00} in my account on XX/XX/XXXX. My account was limited and I had to wait XXXX. I received an email stating my account is eligible for withdrawal. I tried adding my new bank account and credit card and, was n't able too.Check request is not an available option.I called customer service and which they requested me to upload the new bank statement and ID so they can add the bank on their end since the bank on file is no longer active. They stated they not able to issue a check. On XX/XX/XXXX I received an email stating they can not add my bank do to the limitation on the account and that I have to contact legal services for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my XXXX Experian and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: i dispute over the phone with TransUnion on XX/XX/XXXX, on XX/XX/XXXX i call transunion at XXXX they had me in the phone for more then one hour giving me the run around, i spoke to XXXX   the XXXX asking them for Results on my Dispute, why not i received a new results by mail and i also ask for method verification and they told me that they do not do investigate any account for Inaccurate information on multiple account ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account # XXXX ), ( XXXX XXXX XXXX , Account XXXX XXXX ), XXXX XXXX XXXX, Account XXXX XXXX ) also i had a public Notary Double check every account and sign that what I'm stating is correct on my end and that TransUnion is not properly doing that correct investigation.TransUnion said that the account was verified and updated when i received results stating that these items have been verified when i can clearly see inaccuracies littered all over the place on my credit report! how were these items verified? I am sending proof that you are reporting accounts wrong and they clearly need to be DELETED I also need to see whatever PROOF you have that these were even investigated and that, They were subsequently verified. I also would like a new credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts 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 03/20/2015 about Student loan (Non-federal student loan) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The company handling my private loan is called XXXXGreatLakes and I have recently noticed that they are not applying my payments correctly. I have a monthly payment of {$77.00} that is due on the XXXX of each month and I end up paying {$100.00} instead to pay down the balance or so I though. What this company has been doing is using that extra amount and setting it aside labeling it as " Paid Ahead '' total thus preventing me from quickly reducing the balance. I have contacted them several times now and each representative has refused to apply that past extra amount and all future excess payments to my balance. Right now there is nothing that I can do but ask for your help. I am already burdened with a massive amount of student loan debt and this just adds to the feeling of hopelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Transunion listed on file of the accounts : 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 08-03-2015 about Mortgage (FHA mortgage) with Patriot Mortgage Corporation (VA).
Issue: Application, originator, mortgage broker

Complaint: I accepted a refinance loan from XXXX XXXX and Patriot Mortgage company. The line was signed and notarize on XXXX XXXX 2015. Now I am being harassed to sign documents that are clearly designed to raise the mortgage amount by an additional XXXX dollars and add more money onto my principal. I did sign a limited power of attorney which statesThis limited Power of Attorney may not be used to increase the interest rate. the term of the loan or the monthly principal and interest. Any of these changes must be executed directly by the undersigned whch is me an I will not sign these papers under any circumstance. I took this deal because I was desperate for cash and I was told I would get a XXXX refund from my escrow account. The XXXX refund turned out to be XXXX Patriot title is trying to say because I accepted XXXX dollar refund from my escrow account I am legally obligated to sign this paper work. The refund was quoted as a XXXX refund which is why I originally accepted the deal in the XXXX place. This refinance in turning into a nightmare. I am tired of being harassed I want a formal complaint done some type of reprimand done.I would like you to review this deal especially the calls between myself and XXXX XXXX at XXXX. and if at all possible I want to get away from this company this is the most disreputable company I have ever worked with. I was originally told by XXXX I need to resign because my signature did not come through on the some of the copies that were faxed over. I knew right then he was lying, because a notatory was sent to my home to make sure each of papers were signed properly. When I looked at the paper work I could see the changed they loan payoff from XXXX to XXXX increasing the principal.

Company response to consumer: Untimely response
Consumer complaint received 07/18/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I contacted Toyota Financial Services when my account was XXXX days past due, attempting to make the remaining portion of my monthly payment on that day to avoid my credit from being affected. However, due to Toyota 's inability to date my payment by phone for the same day, the only option given to me was to date it for XXXX days later ... .the earliest possible date it would reflect as posted on my account. I disputed the credit mark directly with Toyota and through the credit bureaus, but it has not been removed. This now impacts my ability to afford the purchase of a home for my family at a reasonable rate. 

I was a good customer and appreciated the overall service received. I paid the loan off in full, and this one instance was the only time the account went over XXXX days past due throughout the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: I visit a XXXX office XXXX XXXX XXXX. I was told that I would need braces and that the office can get me finance by a bank they use ( carecredit ) I was quoted {$2900.00} for the job. At first all seams to be perfect and I was able to go there very month after I received the first XXXX that I was going to wear until XXXX were done. my appoiments were then 3-4 months since XXXX was not longer coming to the office every month anymore. I got feed up and I told them I was going somewhere else they told me i would owe them all the money still beacuse they had gotten paid. 
credit card paid a job that I never received and make me liable for a job that was not compleated making me pay for a service that it was not rendered. I think I should not be liable also the have damage my credit I was tken advantage by both XXXX and Credit Card company!.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Payday loan) with Star Loans of Texas, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a loan last year and I have refinanc ed over 3-4 times  to build my credit instead when I paid on time it knocked my points down my vehicle broke down and I lost my job I explained to them I can male pay ments when I get my disability check they have   called me 5-6 time s a day including after hours from their cell phones they harassed me so much I had to deactivate my cell phone this went on even after I made a payment now they are harassing my references. They we 're completely rude on their voicemails also

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX 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 monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent XXXX this information over numerous times but have not verified anything with me. I receive a letter from XXXX  stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if XXXX does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016, X/XX/2016, X/XX/2016

Company response to consumer: Closed with explanation