milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I've made several attempt to dispute the bankruptcy showing on my reports to Experian but to no avail. I contacted XXXX XXXX the reporting company for Experian and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and Experian has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that Experian has not contacted them for any information.

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 03-07-2017 about Credit reporting () with TD BANK US HOLDING COMPANY (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Payday loan () with LDF Holdings, LLC (OK).
Issue: Can't stop charges to bank account

Complaint: I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma Employees Credit Union and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, Currently, Transworld Collections sent a notice of SSI offset to an old address, however they had my current address, as I have received the current invoices. Because of this, they were able to convince the DOE that I did not respond, therefore DOE allowed the offset. 
Previously, I hired a student loan specialist, XXXX from XXXX, in XX/XX/XXXX. We spoke with Transworld on many occasions, to no avail. Additionally, explaining that I would be retiring on XX/XX/XXXX. They were uncooperative and gave us the runaround ( the complexities of which I will not go into here ). 
According to the info I have read on the DOE website, these people are suppose to work with student loans for rehab purposes. They were already receiving XXXX {$400.00}. per month and to rehab they insisted on an additional XXXX This was not affordable. I am retired now and on Social Security of $ XXXX month. Nor was it in compliance with - " The law has always said that borrowers only have to pay reasonable and affordable amounts. '' IE : New Rules for Loan Rehab-XX/XX/XXXX. 
They would not budge. 
A real mess that could have been avoided if they had adhered to the laws enacted by DOE. Then we sent XXXX pages of past efforts to rectify the situation to the Ombudsman 's office of DOE. No conflict of interest there ... Transworld was hired by the DOE. 
Also, I explained the predicament to a representative of the DOE-Ombudsman office, XXXX, she told us to call Transworld and renegotiate? My student loan specialist and I had done so in preceding months which we explained in the cover letter to the Ombudsman 's office when we sent the pages. 
At this point, I am hoping that your office will negotiate a minimal payoff or to rectify their use of false pretense to offset {$150.00} from my SSI. According to Social Security, collections agencies are entitled to 15 % of any monies from SSI over {$750.00}. per month, which would be {$39.00}. not {$150.00}. 
Please help me, I am running out of options ... as all the lawyers I have contacted will not take the case, saying that it is a matter for a negotiator. If I had the money I would sue DOE and Transworld. 
I have been honest and cooperative in the face of their manipulations and high-handedness ; however it is obvious that a more legal stance is necessary. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MT).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On my XXXX 's Consumer Credit card / XXXX XXXX On XX/XX/XXXX I made my normal of {$110.00} before due date of XX/XX/XXXX. On XX/XX/XXXX I paid off remaining balance of {$3700.00} leaving the credit card with a XXXX balance. On XX/XX/XXXX when the billing cycle ended. XXXX charged me {$63.00} on the XXXX balance. When I received the statement in the mail on XX/XX/XXXX I called the credit card company. They tried telling me the interest was charged because I did n't pay off the card before XX/XX/XXXX. As far I knew as long as I paid the card off before the cycle ended I would n't be charge any interest. XXXX has reversed the interest charge of {$63.00} because I threatened to close my account. This is charging interest for balance that do n't have any more. This should be illegal..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a request through the consumer finance website concerning my issue on XXXX XXXX and it was submitted to the company on XXXX XXXX for review [ ( Case number : XXXX ) ]. They responded on XXXX XXXX stating that they would review my complaint and provide a solution within 45 days. We are now going into 90 days since my complaint was submitted and just short of 90 days since they responded stating that timeline and they are still having this second company attempt to collect a debt that I am refuting and have yet to provide me with any documentation proving otherwise. Yet, they are also still reporting negative marks on my credit and sending harassing messages on my phone as well. I would like this resolved as soon as possible. If I took 90 days to respond to them there would be negative consequences so I feel that they should be properly reprimanded for this lack of communication, professionalism, and most importantly attacking and harassing me without providing me any proof of the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (CA).
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: This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Transaction issue

Complaint: On XXXX I went into my branch of US Bank with XXXX checks from the title co to pay of the outstanding balance on my US Bank credit card of {$19000.00} and my US Bank auto loan of {$7800.00}. 
The teller deposited both checks into my credit card account, resulting in an overage on my credit card of - {$7700.00}. 
On XXXX/XXXX/2015 after numerous phone calls to card member services, getting placed on hold in excess of XXXX minutes whilst waiting to talk to a supervisor, this issue remained unresolved. I electronically transferred this amount ( {$7700.00} ) to my checking account. This resulted in my Credit card having a zero balance. 
I transferred {$7800.00} from my checking account to my auto loan thereby paying it off. 
Later that same day the bank reversed the deposit of {$7800.00} on XXXX/XXXX/2015 to my credit card, resulting in a debit of {$7800.00} to my credit card. 
I have called card member services at least a dozen times nobody can tell me where they reversed that money to, or where that money is Requests for supervisor call backs have not been honored. This is missapropriation of a large amount of money {$7800.00} and i respectfully request that you aggressively pursue this issue until it is resolved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: US Treasury Department is charging me for a money order that was returned to the US Post Office in XX/XX/XXXX and provided to the Post Master, XXXX XXXX in XX/XX/XXXX. I have disputed this with the US Treasury but to this date I am still being charged for they money order. I have proof it was returned to the Post Office as the postal clerk wrote on a note she received it from me. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Using a debit or ATM card

Complaint: I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Other

Complaint: Credit card account closed over a year ago and continue to get statement and be harassed by HSBC. 
In response to complaint filed, HSBC issued a response indicating the credit card account ending - XXXX is closed and that the credit will be deposited to my bank account. Please refer to Case number : XXXX. However, the credit has not be deposited into my bank account or been issued a check in the amount of {$98.00}. Furthermore, I continue to receive credit card statement ( Statement closing date XXXX XXXX, 2016 was received on XXXX XXXX, 2016 ). I understand Consumer Financial Protection Agency can only prompt the business to issue a response, but does the agency not ensure that the business does not lie or compel the business to do what it say it will do in the response?

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hard inquiries have been appearing and disappearing from my credit report through 2016. 
Hard inquiries were inserted without prior written notification - XXXX inquiries that I am enclosing. 
Also, hard inquiries were inserted without permissible purpose. For example, I never gave any permission to XXXX BANK & XXXX via XXXX BANK AND TRU. Nor is it clear why are there other hard inquiries. 
I 'm requesting permanent removal of inquiries from : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX BANK DELAWARE XXXX BANK XXXX XXXX via XXXX BANK AND XXXX THE XXXX XXXX CO via 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