milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hard inquiry on my credit report on or about XXXX/XXXX/15. I was contacted by creditor XXXX XXXX about pending application that was fraudulent and they closed the account. I 've filed XXXX disputes with XXXX and Transunion and XXXX XXXX had submitted information on 3 different occasions. Each time I '' m contact back about the dispute I 'm informed that the inquiry is legitimate because they are looking at my actual account opened with XXXX XXXX, not the inquiry for the fraudulent account and refuses to remove the hard inquiry from my credit report. I 've also submitted documentation of the closed account due to fraud each time. I was informed the first document was not received and the second time I was told the inquiry was legitimate due to my active account. This process has been taking place for almost a year.

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 10/29/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Other transaction issues

Complaint: I have a XXXX ( XXXX ). I completed a job for a customer, I hand delivered the parts, and the customer is happy with the results. Unfortunately, the customer wanted to pay via credit card, so I used PayPal to process the transaction. The payment cleared, but PayPal is holding the funds for up to 21 days. Not to mention the fact that they take an additional 3 to 5 business days to transfer money to my real bank. I called and spoke with a PayPal customer service representative as well as a " specialist ''. Both reps were nice, and tried to be helpful, but the earliest they are willing to release my funds is by next Thursday, XXXX XXXX. This is amount of time is ridiculous. I understand that PayPal needs to earn interest on my money, and the longer they hold my funds, the more interest they make. The longer they hold the funds, the greater number of bills that I have are going past due. My credit rating is being destroyed while PayPal makes money. And I paid them nearly {$100.00} to process the credit card transaction. And I 'll have to pay to transfer the money to my bank account. 

Most people agree that electronic commerce is nearly instantaneous - why is it necessary for companies to withhold funds for ridiculous lengths of time? I 'm being punished for doing my part, providing a quality service, and delivering on time, only to have PayPal not release my funds until it is very convenient for them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (KS).
Issue: Problems when you are unable to pay

Complaint: XXXX Synchrony Bank who handles the in store credit accounts for Amazon.com has been bugging me for over a month saying I have to pay all kinds of charges and saying I was late with a payment. only thing I have been making all my payments on the third of the month, I have my statements that verify this, XXXX payment and I still do not know what happened was a little late and you would think this is XXXX XXXX XXXX, my new payment was going to be made when my annuity check comes in till then I am being called on the phone all day long or e mailed sounding like I am a dead beat and I am not, I 'm just a XXXX year old woman. and tired of the complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank legal department put my account on hold and charged me {$120.00} in processing fees on a error. North Carolina stated I work and did n't pay taxes. I never work in NC they corrected the issue and fax over a release of my funds to Wells Fargo. After being on hold 2 hours Wells Fargo informed me they could n't provide me a time as to when my funds would be released.

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 10-06-2016 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Granite State Management and Resources erroneously submitted to my credit reporting agencies that I filled for bankruptcy and claimed my student loan accounts as those I could not pay. My account is up to date. My XXXX scores dropped XXXX points. I called and the customer service representative indicated it was an error that impacted " thousands of borrowers '' and that they were fixing the issue. She indicated they were not planning on notifying borrowers and I explicitly had to request a letter. I asked for free credit monitoring and they would not provide it. They said I had to keep an eye on it. They would not provide a reference number for my call.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To whom it may concern, due to the personal information inquiry breach issue with Trans Union. The customers service representative didnt want to take care of my complaint of not been notified about the breach and issues. That issue was definitely disregard. My issue was ignored and I was treated like an unappreciated customer. 
The inquiries that were ignored. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX SCREENING PR XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX and 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 04-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I mailed a multiple inquiry removal letter to each of the inquiries that I did not authorize on my transunion credit report on XX/XX/2017 in order to dispute information that was being reported on my credit report. I have also contacted the credit bureau who responded back that these inquiries were a statement of factual record of file access which again they were not and advised me to contact the creditors which I have already done. " According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I have no received a response in over a month one can assume that there was no investigation into this matter. I plan to purchase a home this year for me and my XXXX children and having this many inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complain due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Shopping for a loan or lease

Complaint: I did not give verbal and/or written permission for Consumer Portfolio Services to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX pulled a credit inquiry on me and I did n't apply for credit. I called and spoke with a representative and they said someone used my name and last XXXX of my S.S. number with a different address to try to obtain credit, They said the credit would therefore be denied and the credit inquiry would be removed from my credit report. It has never been removed and that was XX/XX/XXXX. The credit reporting agency told me to call XXXX and I did as they said but they did n't remove the inquiry as their representative said they would. This credit inquiry occurred on XX/XX/XXXX so they have had plenty of time to remove it. It is now reported on all XXXX credit bureaus and this is very upsetting. I do n't know what else to do at this point. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (LA).
Issue: Charged fees or interest you didn't expect

Complaint: Borrowed {$6000.00} personal loan for major purchase. Company deducted XXXX in two weeks. For the purpose of paying loan off early to avoid 35+ interest, I made a payment of {$1000.00} towards my balance on Friday and received confirmation that the payment would be deducted from my account on the following Monday ( XXXX ) Saturday I attempted to pay an additional {$500.00} only to discover that the {$1000.00} was not listed but an amount of {$440.00}. I added the {$500.00} in addition {$550.00} to bring amount to {$1500.00}. I checked the account again on Sunday XXXX, XXXX and the amount was changed and I adjusted it again to say {$1500.00} is scheduled for payment on XXXX. To my horror on Monday, the company deducted 3 separate payments out of my account paying themselves {$130.00} in interests when my payment is due XXXX XXXX, XXXX via which I planned to pay as scheduled. The company deducted a total of 2 monthly payments of {$220.00} and then added the remainder of the funds {$1000.00} to my principle amount. To add further insult, they have me scheduled for the next payment next month on XXXX XXXX, XXXX. I spoke with representative who states that the system " generates '' payment activity. The agent actually tried to justify this scenario.and stated that this would occur when I submitted the next monetary large amount that it would be reflect the XXXX payment in the same way!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: 1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

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 10/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.

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 09/26/2016 about Debt collection (Mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Disregard the above paragraph, none of your choices fit. We sold our home on XXXX/XXXX/2016, and BMO was paid off by the closing agency. 
the problem is we have not received our escrow balance.

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 02-10-2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Payday loan) with WORLD ACCEPTANCE CORPORATION (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.

Company response to consumer: Closed
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I reached out to BOA due to an inability to pay our mortgage due to my husband and I both being out of work. I have attached a time line of all of my interactions with BOA over the summer as I worked with them to get assistance with a loan modification. Basically, I have complied with every request when I received it. Their communication with me was not accurate, I had to deal with a different person every time. The website was not useful. XX/XX/XXXX I received letters saying my information was under review and a letter saying my loan was being transferred to another bank. When I called to check on it on XX/XX/XXXX, I was told the review had been completed on XX/XX/2016 and I was apologized to for not having been notified, but there were things I needed to fix. They were now asking for things like signatures that they had not requested previously. I asked to speak to a manager, was transferred to voice mail and I never received a follow up call or any other communication from BOA. 

We are actively seeking employment ( and have been for sometime ). I have XXXX interviews this week. We just need assistance with keeping our home. We have lived here for 23 years and certainly do n't want to lose it. We just have hit a patch of bad luck.

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 10/21/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (OK).
Issue: Taking out the loan or lease

Complaint: Paypal has checked my credit for a loan with authorization I have called them faxed them a statement they have told me this would be removed as a hard inquiry against my credit report but it is still on my credit this was done in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Bankruptcy

Complaint: In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.

Company response to consumer: Closed with explanation