milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (NC).
Issue: Other

Complaint: In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (ID).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage rate was variable and went up. I sent my original payment off before I received the new mortgage amount. As soon as I received the new mortgage payment I called Seturus and paid the difference. Seturus had applied the amount to other fees because they considered it a partial payment. By the time they moved the funds back to payment, they were reporting a 30 day late. However the funds were sent to them way before. I called and disputed the 30 day late and Seturus verified is was incorrect and I should not have a 30 day late, but they are still reporting it wrong. I disputed the 30 day late with the credit companiesXXXX, and XXXX Seterus verified them as correct to the credit agencies. 

This is costing me hundreds every month, because I am trying to refinance and I am being told that my loan is being denied because of the late being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. 
Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. 
Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I CHECKED MY CREDIT REPORT AND THIS COMPANY TODD, BREMER & LAWSON INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SOUTH CAROLINA XXXX. XXXX - XXXX. IS LISTED ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS company. THIS ACCOUNT IS INACCURATE AND HAS NOT BEEN VERIFIED. I DID NOT RECEIVE NO INFORMATION ON THIS DEBT. UNDER THE FCRA 15 U.S.C 1681i ALL UNVERIFIED ACCOUNTS MUST BE REMOVED. THE COLLECTION COMPANY PICKS ACCOUNT AND JUST PLACED ON MY CREDIT AND I HAVE NEVER WENT TO COLLEGE, NEVER WENT TO A UNIVERSITY XXXX. THE COMPANY ALSO HAS FEES LISTED FOR THEM. THIS NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company is reporting adverse information to the credit reporting agencies ( Equifax, XXXX, XXXX  & XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX I provided business coaching services to XXXX XXXX in which this customer paid me via PayPal {$140.00} for 2 1 hour sessions of coaching. The first hour was completed. The second had a scheduling conflict due to a death in the family in which I asked my client to rescheduled sent him my calendar to do so. He never responded. On XX/XX/XXXX we had an email conversation about getting him help with a merchant account but not once did he mention rescheduling his session nor a refund. On XX/XX/XXXX he disputed the entire {$140.00} with PayPal claiming that he never received my services and I never responded to any of his messages. PayPal gave me 10 days to respond in which I responded on XX/XX/XXXX both to PayPal and to the customer. The transcript which is also in the notes of the PAypal transaction as recorded by PayPal are attached. On XX/XX/XXXX, PayPal sent me an email claiming that I never responded ( even though they show the notes where I did ) to the claim and that they would rule in the customers favor, deducting {$140.00} from my PayPal account. I later found out that this company XXXX XXXX is a fraudulent company posing as a Credit Repair business and is known for scamming people out of their money. I am distraught that PayPal would stand behind them vs me a loyal merchant who brings in thousands of dollars in customer transactions per month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with Meyer & Njus, P.A. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX XXXX stated that since this was already registered on my credit report as a judgement they can not take the case. XXXX XXXX XXXX employed Njus Myeres who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! XXXX XXXX XXXX XXXX or this Njus Myers. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from XXXX XXXX XXXX XXXX XXXX XXXX and Njus and Myers from XX/XX/2010 to XX/XX/2010

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Late fee

Complaint: XX/XX/2016 Good Afternoon, I have currently a Continental Finance SURGE credit card. I try but am unsuccessful on a regular basis to do all my business with this company on their Continental Finance website, but I have continual trouble logging in, which forces me to call my payment in over the phone. Continental Finance is aware of this problem, and take my payment over the telephone, waiving the XXXX phone pay fee for me. I signed up for paperless billing months ago, but I never received the emaisl indicating my bill was ready to view and/or pay. As a result, I missed two ( 2 ) payments, incurring late fees and a negative reporting to the credit reporting companies. I am trying to repair my credit, and this can only delay my progress in doing so. Also, I have had repeated difficulty signing onto the Continental Finance SURGE website, which is extremely frustrating. I have advised the company of this issue regularly when I contact customer service. As such, I have to contact a customer service rep via telephone, and make a payment over the phone. They always waive the fee due to their online issues.

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 04-12-2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Billing disputes

Complaint: -Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notifica

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had  XXXX  credit cards with Bank of America, both were Visa cards, one ending in  XXXX  and the other in  XXXX . Both were issued in  XXXX .
<P/>
Both credit cards were always in good standing, and were always paid on time. I also never went over the credit limit on either one of my credit cards, and they were used frequently for basic needs, and always paid on time.
<P/>
Between XX/XX/XXXX  and XX/XX/XXXX , Bank of America closed both of my credit card accounts without any notification whatsoever. Notifications were sent afterwards, which I received today. I still have a balance on my cards, but can not use any of them. Now, this information will adversely affect my credit which I have been working on rebuilding for years, and  XX/XX/XXXX  accounts will be listed as closed accounts. If I had been given the opportunity to pay off the balance in order to at least keep the accounts open to build " credit history '', as most credit scoring systems consider this an important factor on building credit, I would have paid them off. But the opportunity was not given, nor was any notice given prior to this occurring.
<P/>
According to the letter received today, but dated  XX/XX/XXXX , the date the accounts were closed, the decision of closing these accounts was based on " account history, your total relationship with us, current economic trends and a copy of your credit report ''. I have been a Bank of America customer for almost a decade, if this was based on my credit report, a recent negative account was added which was immediately disputed and this particular agency issued a corrective letter to expunge/delete my records from all  XXXX  credit bureaus. The letter is attached to this complaint. This decision was made blindly, without regard to the consumer, me, or every other consumer they have done this to. Now, I have to pay for this decision in the form of bad credit.
<P/>
Whether or not this is a violation of the CARD Act, which requires any " significant change '' to the account to be notified 45 days prior to the change, I do n't know nor am I an expert. What I do know, is a large population of us living in this country are struggling to upkeep our credit, and yet, we have yet another financial institution hurting people financially, and hurting their score despite payments being made on time, yet ironically labeling themselves with the name of the country they are supposed to represent : America.

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 01-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have about XXXX seperate private students loans through SallieMae/XXXX ... and also about XXXX XXXX loans through them as well..I wracked up huge debt ... XXXX total ... I never graduated, had to leave with XXXX classes remaining because Sallie Mae wouldnt approve me for the final XXXX I needed. Ive paid off about half over the last 7 years, paying anywhere from XXXX amonth to about XXXX. I was able to pay it so i did, but recently ive had trouble paying on time because my checks from my job in the film business do not come in mail at appropiate and regular times.. the late fee are crippling.. i do t mnow if i can keep up with the payments.. and for years now ive been trying to ask questions and find out how to reduce my monthly payment ... I have not been able to negotiate anything with them.. the customer service is terrible ... often ive been hung up on after being toldto wait on hold for up to and over 60 minutes!! no answers and no negotiating and no consolidation. Im pretty sure they tricked me into doing half my loans or some kinda interest only payment early on .... im now buried in a pit of debt because of sallie mae/ navients misleading business practices, intimidation tatics, harrasment, and frustration ... .. 
I need to also mention that sallie mae/ XXXX have been calling and harrasing my co signers if ive been late by a day. They never call me, they straight call my XXXX year unlce and XXXX year old grandfather. Ive asked them to not call and bother them and to please call me instead. They have not stopped bothering my co signers ... .also it is impossible to find information on how to remove my cosigners name from my loans. I have so much angry and frustration about this situation ... i just want to be able to pay a resonable amount per month yo pay off my debt, i shouldnt be made pennyless by a vampiric corporation. 
P.S.- I want to click every button down below

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Struggling to pay mortgage

Complaint: in XX/XX/XXXX XXXX XXXX XXXX service my loan to XXXX, I was behind with XXXX around {$5000.00}. I work with XXXX with a trail modification to pay {$1100.00} a month for a year from my regular payment of {$1400.00} paying XXXX. After the trial period with XXXX ( XX/XX/XXXX- ) it was agreed to put my arrears on the back end of my loan, reduce my interest rate for 6.5 to 3.5 and to keep my payment at {$1100.00} until my maturity date. I sign the paperwork and also signed my husband name because he was on the road. After I received copies of the document I signed it was different. my balance went from XXXX owe to XXXX owed with the interest rate staying the same and a balloon payment of $ XXXX after my loan maturity date. I got the paperwork from the new servicing company Select Portfolio Servicing company. I immediately called Select Portfolio and spoke with a loan specialist and I was told to rescind my modification agreement which I did by email and by fax. I separated from my husband and moved to Texas in XX/XX/XXXX. I recently inquired about my credit and it states that I still have a balloon payment mortgage. I believe I was a victim of predatory lending scam from XXXX and now with Select Portfolio Servicing company. I also kept some of my payment statement and it shows my unapplied funds instead of being subtracted from my balance owe it was added to the balance owe making my total amount due more and I do n't think my trial modification payment or my forbearance payments was not properly applied. My maturity date is XX/XX/XXXX with $ 36k+ owing. So with my credit history and my Husband credit history we will probably not be able to secure a loan for $ XXXX at the end of my mortgage agreement to pay for a balloon payment and will probably go into foreclosure and lose a house we owned since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Late fee

Complaint: In XXXX of 2015 my hours at work were cut from 40 hrs to 20 hrs per week. I could not pay the full payment on my Walmart Discover card and started sending only {$100.00} which was all I could afford. On XXXX XXXX I called the number on my statement and spoke to XXXX. I explained what happened and he said he would have to connect me to an account specialist. Twice I waited on the line for ten minutes and no one ever picked up. I tried calling the number on the Synchrony Bank letter I received in the mail only for it to be XXXX. I would like someone to listen to what I have to say and stop adding late fees to an account I can not pay off any faster than I am. They also charge too much interest. I have not used this account in over three years and it has not gone down. I even dropped the XXXX insurance hoping it would make a difference but it did not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (MO).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation