milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Payday loan, title loan, or personal loan (Installment loan) with GOLDMAN SACHS BANK USA (IL).
Issue: Getting the loan

Complaint: I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with Paramount GR Holdings, LLC (CA).
Issue: Trouble during payment process

Complaint: I had a fire claim for which XXXX XXXX issued drafts in four ( 4 ) different payments jointly to myself and the residential mortgage company, Paramount. Paramount received these checks on the following dates : ( 1 ) XX/XX/XXXX for {$12000.00} ( 2 ) XX/XX/XXXX for {$56000.00} ( 3 ) XX/XX/XXXX for {$950.00} ( 4 ) XX/XX/XXXX for {$1100.00} According to XXXX 's company policy, they are to disburse as follows : For checks less than {$10000.00}, ie. for checks ( 3 ) and ( 4 ), they are to endorse the checks and send them to me within five ( 5 ) business days. For checks over {$10000.00} but less than {$20000.00}, ie. for check ( 1 ), they are to disburse 90 % payable to me within five ( 5 ) business days with the remaining 10 % released upon an inspection showing 100 % complete. For checks over {$40000.00}, ie. for check ( 2 ), they are to disburse an amount of {$40000.00} or 10 % of my unpaid principal balance, less 10 % holdback for final inspection, whichever is greater, jointly issued to me and my licensed contractor within five ( 5 ) business days. 
To date, the only disbursements I have received are related to check ( 1 ) : I received an amount of {$4200.00} on XX/XX/XXXX and a subsequent amount of {$7200.00} on XX/XX/XXXX, leaving a balance of {$1200.00} remaining. For the other checks ( 2 ), ( 3 ), and ( 4 ), I have received nothing. 
Confirmed by Paramount, they are in receipt of all required documentation, including a 75 % inspection report dated XX/XX/XXXX and a 100 % inspection report dated XX/XX/XXXX, in addition to a lien release by my licensed contractor, for which I also have copies. 
Here are the issues to date : ( A ) Paramount is not releasing any funds, is not in communication ( not returning phone calls or emails ), and is not in compliance with policy for disbursement. We are currently owed {$60000.00}. 
( B ) Paramount applied checks ( 2 ) and ( 3 ) to a different account ... They claim this has since been corrected, but I have still not received any disbursements from these checks. 
( C ) Paramount mistakenly sent me a check for a unknown insured party ... for which they have still not sent a return mailing label. 
( D ) Paramount 's latest email communication of today XX/XX/XXXX states that their latest inspection report is for only 50 % completion, yet I received copies from the inspection company on XX/XX/XXXX confirming 75 % and on XX/XX/XXXX confirming 100 % completion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My private student loan is with Navient and last year I got into an agreement with them for the interest reduction program and I was told after three months that the company was going to report to the credit agencies that my account is being pay as agreed. Navient is taking automatic payments from my bank account every month for the past 3 years and they still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Medical) with Creditors Bureau Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX 2016, I received a letter from the Creditors Bureau Associates of XXXX collecting payment for XXXX XXXX, account number XXXX ( XXXX Notice ). I contacted XXXX XXXX from the company and found out that the actual collection was for the XXXX XXXX of Georgia. I told XXXX XXXX that I will contact my insurance and investigate the issue. Since then I have relocated and do not have time to follow up with the status of the insurance company. On XXXX XXXX 2016, I received another letter from the Creditors Bureau Associates XXXX informing me that my past due account which is now XXXX, has been report to the Credit Bureaus XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I was alerted that my XXXX acct. had been changed ( name and address ). After logging in I found several pending charges was placed. After calling XXXX and finding out that it was thru XXXX XXXX. I called my bank @ XXXX XXXX to report it. The bank said they canceled any pending charges and my card. I was told by the bank that a fraud report had been placed and since it was an Unauthorised Use it would take 24-48 hrs for the charges to drop off. Call ended On XX/XX/XXXX I  noticed a {$6.00} had not dropped. I called the bank, told them why I called and was directed to the " Fraud Dept. '' ( not like the first call ). After finding out a fraud report was never logged I was n't a happy camper She then made me feel that I was wrong and as she said " I did n't ask the right questions at the end of the call to insure everything was complete ''! She added " IT 'S ONLY {$6.00}! I was XXXX, asked if we were finished, she replied " If YOU do n't have any more questions. I hung up. I called Back on several occasions only to be placed on hold for a LONG time or misdirected my call till I became frustrated enough to Hang up on the USAA Bank Individual.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (WI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My dad left me an IRA upon his death at US Bank and one at Edward Jones. I spoke with US Bank and on a number of occasions and told them I wanted it rolled over into the IRA at Edward Jones. Because my dad 's name is still on this account, according to Edward Jones, that is possible. US Bank would not do a transfer, they said something about it being too complicated and it would be easier to send me a check. I told them I did n't want to get taxed on it and if we did it this way, would I be able to roll it over into this other IRA at Edward Jones and they said yes, I would have 30 days to do so. They wrote the check out to me, I deposited it and went in to Edward Jones to write them a check, but they told me the check from US Bank had to be made out to me and to Edward Jones in order for it to roll over. Now, when I normally get tax money back from the government, I have to pay {$2900.00} in taxes because this approx. {$12000.00} in IRA money got taxed since I could n't roll it over. I called US Bank wanting to send them the money back so they could re-issue the check correctly, but I was told by my tax preparer that US Bank ca n't do that. I think they should have to pay my taxes since I made it clear to them I wanted to roll it over they clearly handled it the wrong way. When I call US Bank, I keep getting referred to the woman who told me wrong in the first place ( XXXX XXXX XXXX ). Does she not have a supervisor I can talk to? I know in filing a complaint, US Bank may contact me, but at this point, I really do n't want to talk to them. All the evidence needed should be in the notes of my phone calls to them and in the recordings of the actual calls. My contact with them first started in XXXX or XXXX of 2016. They told my sister the same thing with her portion of the IRA, but her other investing company caught the error before she deposited her check so after a number of phone calls and forms, US Bank finally re-issued her a check made out to her and to her other investing company. US Bank is saying that because I deposited my check, there is n't anything they can do and I 'm the one who signed saying I wanted the check. I signed it because they told me that is what I had to do to get it rolled over into this other IRA at Edward Jones.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am among those that had their identity stolen due to equifax 's lax cyber security. I checked on the website they provided for this incident and I was listed among the potential victims. 
Even the website they provided for checking to see if my data had been compromised showed several signs of ignoring standard web security protocols. 
I fee that equifax is liable for this data breach because they did not even follow what would be considered standard security procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Was not happy with response so I investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction issues

Complaint: Dear Sir or Madam. 

Would need your help on the following. 

PayPal limited my account permanently due to high number of claims with sellers. All credit cards stored under my PayPal account can not be removed according to PayPal rules. PayPal does not allow to use these credit cards in any transactions processed by PayPal done with or without logging into PayPal account. PayPal is still the only one processing engine for eBay. This limits my purchases on eBay because I can not use any of my cards with or without PayPal account. I asked PayPal customer service to remove my cards. The response I had is : " Thank you for contacting PayPal. While your account is limited you would not be able to remove your financial information. It is my pleasure to assist you. Thank you for choosing PayPal. Sincerely, XXXX. Protection Services Department PayPal '' PayPal limited my ability to make purchases on eBay by not allowing me to remove my credit card information. Is this legal? 

Please help. 

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 09-08-2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing the loan or lease

Complaint: The creditor Bank of America has reported a Charge-Off for account XXXX to all three bureaus. The original high balance of {$57000.00} has been reported incorrectly. All payments were made and the entire balance was paid in full however Bank of America & XXXX XXXX, XXXX are reporting a CHARGE OFF instead of paid in full violating the FCRA. it seems the loan was paid directly to Bank of America and was passed over to collection XXXX XXXX XXXX but the creditor is still Bank of America who has reported illegally to XXXX, XXXX, and XXXX. The account was paid in full and NOT Charged off.

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 11/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Application, originator, mortgage broker

Complaint: My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and also XX/XX/XXXX of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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