milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A state ta x lien ( GA ) has bee n paid and the lien cancelled. Confirmation has been both sent to Equifax by certified mail and scanned directly to them.     Copies of confirmation of tax lien payoff is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mutual Management Services LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with  TD Bank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refuse d and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (IA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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: I am in deep student loan debt, started a repayment and had good status. Moved from being in poverty in XXXX, Ca. and now Navient put illegal amounts of loan added since then in XXXX 2014. Help me, I can not get any credit and need to see what is really owed, I do not trust them at all. Help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed letters and sent Them VIA FAX AND MAIL a request for them to remove the address  XXXX   XXXX   XXXX   XXXX  CA  XXXX  as this address does not belong to me and belongs to a family member please make them remove it this is causing problems they dnt care and do as the wish and say they are not responseable for what is reporting if they are not reasonable and responseable who is they are out of control and do as they want with do rules 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 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Berlin-Wheeler, Inc. (Kansas) (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (PA).
Issue: Struggling to pay your loan

Complaint: XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.

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 12/13/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX from prelegal office for covering XXXX XXXX has called SEVERAL TIMES. Every time he has stated we have to call back by end of business today and in addition when he talked to my husband he told my husband that they were going to garnish his wages, and seize his vehicles. There was never a lawsuit filed. We have NOT received anything via Mail, just harassing phone calls. I called him back and he told me it was a recorded line and I asked him if he had a judgement and he said no I told him that he has not sued us and he can not threaten us like this and he preceded to talk over me and told me to visit their website.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.

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 12-01-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure process!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN ACCOUNT

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 09/28/2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in XXXX they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks

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 01-12-2018 about Student loan (Private student loan) with Equitable Acceptance Corporation (NJ).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I received mail from EQUITABLE ACCEPTANCE, stating they would help me consolidate my loans and enter their forebearance/Repayment Plan. From what I was told, I would not be paying XXXX ( my original Federal school Loan company ). After signing documents, I allowed them to access my XXXX account my temporarily lifting the freeze. I then was being charged by XXXX and Equitable acceptance at the same time for my repayment plan. which equitable acceptance told me would NOT occur. after emailing asking about this, I never received a response by phone or email from any equiptable acceptance representatives. I took it upon myself to call XXXX and asking why I was being charged by then when I was consolidated by equitable acceptance. That 's when the XXXX representative named XXXX explained to me that I have been scammed. She proceeded to tell me that I need to call my bank and change my account number so they will not ever charge me. I did call my bank and will be changing my bank information. I also have filed a dispute with XXXX. I am afraid that once they find out about this, they will still try to use my social to access my bank information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital one credit card services has been reporting a fraudulent account to the CRA 'S, I have attempted to talked to the co. that this account was opened not be me, I sent disputes to The XXXX CRA 'S seeking identity theft as well as asking for the verifying documents that support the claims that this account belongs to me, I have got no documents such as the application and any other info that would suggest that this fraudulent account belongs to me. This account is definitely affecting my creditworthiness, and according to the FCRA Laws that are in place for the consumer if this is clearly unlaw because it states that within the dispute the CRA 'S should be able to report and issue supporting documentation to the consumer when it is requested as to how this verification process of this account was obtained, and they have not with the 2 attempts that i have tried in wrinting disputing this account with Capitol one.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with PAYPAL HOLDINGS INC. (CA).
Issue: Problem with customer service

Complaint: Pay Pal and I settled on a debt with an attorney. I had closed my account in PayPal. I had over paid initially as I did not know how much we would settle for. They returned my overpayment to a former Pay Pal account that I NOW can not access. I can not get a " live '' person to return my money. I can not get into this account. I 'm unable to access any way to get my refund. I need help! Below is the copy of the statement PayPal sent to me via my email. I called the number offered on the bottom of the email and was sent to the collection agency, who in fact, told me to call PayPal. It 's going back and forth. Meanwhile they have {$750.00} of mine that I can not access. 

Hello XXXX XXXX XXXX, We thought you 'd like to know that we 've added a credit to your PayPal account. 

Credit date : XX/XX/XXXX Amount : {$750.00} USD View more details If you have any questions about this credit, click Contact near the bottom of any PayPal page, and we 'll be happy to help. 


Thanks, PayPal Help Center | Resolution Center | Security Center Please do not reply to this email. To get in touch with us, click Help & Contact. 

Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (VA mortgage) with CARDINAL FINANCIAL COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: I was shopping for a refinance loan and I made the mistake of giving the lender my credit card info for the appraisal if I decided to go with them and told him not to use it unless I gave my express permission. After sending him an email telling him we would not be moving forward until I had compared all offers he charged my credit card for the appraisal. At no time did we sign any documentation or give him permission to go forward. The credit has still not showed up on my credit card after he stated it was being refunded.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: This complaint is about Bank of america, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Bank of America took the money out my account within a week. XXXX XXXX states that the check was cashed by bank of America on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Bank of America will not give me my money.

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