milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Application, originator, mortgage broker

Complaint: We respectfully request a copy of the call transcript between myself, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from XX/XX/2016. 
I requested XXXX XXXX make sure to document the conversation. XXXX XXXX advised that the call is recorded and can be reviewed if the information does not make the file. On this call, XXXX XXXX was reminded of our meeting of XX/XX/2016 and blames XXXX XXXX XXXX for alleging that XXXX can not mark our credit for 45-60 days. 
On XX/XX/2016, I went to the BBVA Compass location off XXXX. in XXXX, TX. XXXX XXXX so happened to be at the location. We met to discuss the refinance and to determine if we were moving forward. I advised XXXX XXXX that we either move forward or we were walking away from the refinance. XXXX XXXX did not want to see all the work and costs be for nothing. 
In this meeting, I questioned XXXX XXXX in regard to our XX/XX/XXXX payment to XXXX. I advised XXXX XXXX we did not want a late payment on our credit as we wanted to avoid hits to our credit. I also informed XXXX XXXX that I did not want to make the payment if I did not have to. I advised XXXX XXXX we had no late or missed payments on our credit and we wanted to keep it that way. XXXX XXXX then left the room. Upon his return, XXXX XXXX 's response was " Do not worry about the XX/XX/XXXX payment unless I tell you to make it. If you make it, it will delay the close. XXXX can not hold it against you since they know about the refinance. As long as we close by XX/XX/XXXX, you will be fine. '' XXXX XXXX XXXX was in the office when I was told about the XXXX day hold on marking our credit history. XXXX XXXX admitted to XXXX XXXX, according to one of my conversations with XXXX XXXX in XX/XX/XXXX, that he did in fact tell me not to worry about the XX/XX/XXXX payment. I was informed XXXX XXXX coached XXXX XXXX on how to handle a similar situation in the future. XXXX XXXX and XXXX XXXX both apologized that not all options were presented to us. 
At this point, XXXX XXXX " does not recall '' many things he has told us. Self-preservation can make you distort the facts. 
The late payment is not a reflection of how we handle repayment of our bills. This is evidenced by our prior payment history and the approval of our refinance by BBVA Compass Bank. 
All 100 % of the blame for this falls on XXXX XXXX 's shoulders. The representation he provides to customers for BBVA Compass Bank falls short of anyone 's expectations. XXXX XXXX XXXX XXXX has the sole liability of this situation. He has the ability to be honest and admit his mistakes but is in self-preservation mode. 
We would like to put this incident behind us rather than being forced to take legal action against both BBVA Compass Bank and XXXX XXXX XXXX XXXX. I have attached our documentation and can provide additional texts between XXXX XXXX XXXX and myself, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (IL).
Issue: Deposits and withdrawals

Complaint: I opened an account with Paypal to conduct online sales of tickets for an event in XXXX 2016. 

I conducted these transactions and received and withdrew money without incident until XXXX XXXX when I received XXXX buyer disputes. I was then notified that my account was frozen and that I could no longer withdraw the funds. I provided PayPal with every bit of documentation requested and while XXXX dispute was closed without their involvement, they ruled the XXXX other disputes ( which were similar to each other in nature ) differently. One in favor of the seller and the other in favor of the buyer. 

They have now placed {$2200.00} of my money in reserves and will not release my money to me until 5 months from now and they will not even guarantee that it will happen then. 

I called and asked them to close the account. I spoke to " XXXX '' a Supervisor on XXXX XXXX and he advised that they could not accept my response to close the account. He also advised that they would not be releasing my money to me. He also would not guarantee me that they would release my money to me on the date of XXXX/XXXX/16 as previously stated in the email. 

They have changed the terms of the initial account setup and I am no longer doing any business whatsoever with this company as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from Chase stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have a FHA mortgage with Nationstar. We have met all of the requirements as of XX/XX/XXXX to remove the mortgage insurance from our loan. I submitted a request in writing and Nationstar acknowledged the request, but, as of XX/XX/XXXX I have not heard anything from them and they have not dropped the mortgage insurance from our loan. My attempts to follow up with them have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was under the impression that the XXXX XXXX XXXX was going to help consolidate my loans. I was n't aware that this company was going to make me stop paying my loan back. I now am suppose to pay this company {$50.00} a month. I would rather be paying my loan. I need to get out of this program. They have all my personal information and I need to make sure they do not mess with my credit or identity. Please advise me how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Auto debt) with FC HoldCo LLC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.

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 05/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,   XXXX   I made two deposits to my business checking account at Bank of America  in   XXXX  Wa (  XXXX   XXXX   XXXX   XXXX   XXXX  Wa  XXXX   ) . Per usual, I was given a receipt for the deposits.     When reconciling my accountants later I noticed that   one deposit cleared but the deposit second deposit for {$11000.00} did not clear.
The next day I went into that same branch. The manager looked up the deposit. He verified that it was received and could track it several points in there system in that branch. He said he would send the information on to his " back office '' and they would work on it. I asked that they call me to update me daily. I did get one call a few days later to say they still had not found the   deposit. On  XXXX   XXXX , I did get a call back from an individual from Bank of America. She told me she worked hard on the issue for half of a day but could not find the deposit. I asked for them to credit my account and she told me that would not happen.     I have called and spoken with several people at Bank of America and still do not have the funds in my accoun t. Two differ ent individuals told me there was nothing they could do. They had no response when I stated the facts- I gave them the deposit, they gave me a receipt, they appear to have lost it on their watch- it should not be my problem.     I have called again today,  XXXX   XXXX , there is still no progress on the issue and I am still missing the {$11000.00} that I deposited.

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 05-03-2017 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 are many inquiries appear on my report without my permission :   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

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity. The following inquiry is unauthorized and fraudulent : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: From XX/XX/XXXX2016 - XX/XX/XXXX2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in 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 non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I can not dispute the issue with the credit reporting agencies, I went through the FTC to get my XXXX annual reports I received the first XXXX from Trans Union and begin to dispute an incorrect issue after that each of the agencies including Trans Union challenged my identity. Sense my identity was already accepted by the FTC and by the agencies in question this is obviously a move designed to prevent people from improving their credit scores or from challenging corrupt corporate practices. The last time I did this I went through the process with free credit report.com back in 2003 never got a credit report from them either same answer disputed identity. If I am accepted as me in advance at all the questions when the process starts I 'm still me when it finishes! This used to be called stonewalling and although it requires a specific law for each form I 'll bet this is 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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I believe I am a victim of deceptive practices performed by  XXXX ,   XXXX   XXXX     XXXX , and TransUnion. I am paying monthly fees to track my  Fico score  with  XXXX ,  XXXX , and Transunion. I have applied f or 3 loa ns and each time I was denied by the lender because of the scores reported to the lender by  XXXX ,   XXXX      XXXX   XXXX   XXXX , and Transunion.  XXXX  has consistently reported a much lower score to the lender than the score I purchase from them every month. I should be entitled to know exactly what  XXXX  is going to report to a lender before I apply for any loan. This way would save everyone time and embarrassment. Because of th e two different numbers presented ( one to me and a different number to the lender )    XXXX    has lied about providing me access to  my Fico scor e. I filed a complaint with   XXXX    and   XXXX   XXXX   XXXX   XXXX  in  XXXX  through the Illinois Attorney General  (   XXXX    reference  XXXX  ) a nd I got no results. I was denied a loan on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  based on information received from  XXXX  and     XXXX   XXXX   XXXX  . I was also denied a mortgage loan on  XXXX / XXXX / XXXX  based on information from TransUnion.

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 07-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: on or about XXXX XXXX, 2016, I disputed incorrect information my credit report, such as incorrect names, dates of birth, address and collection accounts specifically - XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX Account number # XXXX and XXXX XXXX XXXX XXXX acc # XXXX. however on conformation number XXXX XXXX XXXX XXXX has been removed but I have not received conformation statement that it has been deleted but have received conformation # XXXX that XXXX XXXX XXXX has been. further the XXXX XXXX XXXX XXXX accounts XXXX showed paid in full and the other showed collection which is confusing to me as the consumer and incorrect Equifax deleted the account in good standing but the collection account remains however both are over 7 years old, I also attached proof that I won a settlement from XXXX for reporting incorrect collection accounts on my credit file to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with Receivables Performance Management, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no idea what it is, and I am 100 % sure it is not mine.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been unable to contact TransUnion about disputing the following on my XXXX report, dated XXXX : XXXX. Name shown as XXXX XXXX is wrong. I NEVER go by this name. My name is ONLY XXXX XXXX XXXX, XXXX. The property deed to my only home since XXXX goes by XXXX XXXX XXXX, XXXX TransUnion XXXX remove XXXX XXXX XXXX this is not me!!!!!!!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should be corrected, this account was " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!!! 

XXXX. XXXX XXXX XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

XXXX. XXXX # XXXX * * * : Under " Remarks '' should add " ACCOUNT CLOSED BY CUSTOMER ''!!!! 

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 non-monetary relief
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with Credit Consulting Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I do not owe this money I had and still have medical insurance. I was never notified that I had any debt or money owed they did not give me the opportunity to dispute or even provide them with another copy of my insurance card. The waited and sent it to collections. The are billing incorrectly I consider this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I reached out to Ally for information on my payments because on my credit report its reporting as a charge off for early termination. I don't understand why i have been bill as all 39 payments were made in a total of {$21000.00}. Additionally when i spoke to the representative at ally she stated that the last payment made on the account was of {$27.00} on XX/XX/XXXX. Every time i speak to one of the collection agency that is taking care of the account which i believe have been two different companies they give me a different explanation to why I'm being charged. First is was for parking tickets under the title, second was early termination, Third late payment and now excessive miles and tear on the car. I believe that there payment statement is incorrect as its missing payments made to the account. Now every time I call Ally financial they forward me to the collection agency. It is very upsetting that I'm not able to speak to them in regards to the problem as i believe that the information that they are reporting its incorrect and its affecting my credit score.

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 09-05-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a XXXX veteran and have been having problems with Navient since they took over my 3 student loans. For several years I was unemployeed and this company XXXX me around with payments, deferrements and made it very difficult to get the paperwork from them. They did not recognize by Dept of V.A. XXXX docs and treatment records from the V.A. hospital. They have charged more interest than should have been charged on my loans. 

Now I am making payments and have been for several years. Most recently, this company refunded my monthly payment for unknown reason. The payment amount exceeds the monthly minimum payment. They have marked my account past due even though I have prepaid and paid more than the minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Worldwide Asset Recovery out of California called me on Monday at my place of work. This place of work being a school at which I teach. They then proceeded to tell me they were calling to collect a debt for XXXX XXXX. I have not even had an account with them since XX/XX/2009. The man stated that I would be sued and have attorney fees of over {$2200.00} if I did not make a deal with him. He gave me the number XXXX to call him back after I talked to my spouse. He had my social security number, but did not have my right address. He said that I lived in XXXX, which I never have. Most of the information he had could have been found on social media or my school website. I am concerned, and I do not want to pay him. I have been scammed before. When I looked up the company and the number, I came up with spam complaints, harrassments, and a number with no traces. The company did not even have a validated website. They are also not validated/supported by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (Medical debt) with Consumer Adjustment Company Incorporated (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a medical collection on my credit reports. I do not recall ever going to XXXX XXXX XXXX. I want this medical collection removed from my report. I 'm getting denied credit and is because of this.

Company response to consumer: Closed with non-monetary relief