milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am in the process of a refi on my home. It is important that I have my credit score as high as possible. I spoke with Eqiufax regarding a credit inquire that will be 2yrs old on XXXX. I would like it to be removed on XXXX. They say it will take another month. All they wanted to talk about was selling me a security monitoring plan. VERY AGGRESSIVELY!!! PLEASE help me to have this removed on the 2year date. TIME IS OF THE ESSENCE. PLEASE. 
Thank You So Much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX *********** XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX company. They had received a report from XXXX regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details ( attached ) show that my credit score dropped 60 point on the XXXX of XXXX and recommended I contact TransUnion. 

I have contacted all three credit bureaus and filed disputed with XXXX and TransUnion. XXXX referred me to XXXX as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX XXXX is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.

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 08/26/2016 about Prepaid card (Mobile wallet) with Circle Internet Financial (MO).
Issue: Fraud or scam

Complaint: XXXX/XXXX/16 I contacted XXXX for computer repair and made a payment of {$180.00} through Circle financial. XXXX/XXXX/16 XXXX informed me that I need to purchase a patchwork file for {$120.00} which I agreed to pay for.Both transactions were made through Circle Internet Financial Inc.The problem reoccurred on XXXX/XXXX/16. I contacted XXXX on XXXX/XXXX/16. They informed me that XXXX XXXX of XXXX for {$200.00} the problem would be fixed. I agreed to pay for the repairs again through Circle Financial. The computer problem still was not resolved. I tried to contact the company many times with no success. It turns out that XXXX is a scam as confirmed by XXXX, a rep from Circle. I did not get the product I purchased. I could not get in touch with XXXX for a refund and Circle would not assist me. Circle told me that they do n't know the company name ( XXXX gives different names ) and yet they allowed my payments. to be processed knowingly by a scam.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX, I defaulted on XXXX properties in Arizona. The mortgage on XXXX was held by XXXX XXXX. They foreclosed, sold the property at auction, and closed the loan. The loan shows as foreclosed and closed on my credit report, balance due XXXX. All good. 

The XXXX property, my primary residence, mortgage was initiated by XXXX XXXX and is now held by XXXX Bank. They foreclosed and sold the property at auction for {$330000.00} on XXXX. 

However, the loan still shows active on my credit report, for the entire original balance of {$510000.00}. The report shows a $ XXXX monthly payment due, XXXX years in arrears. Additionally, I still get collections calls and letters. It is my understanding that XXXX Bank has no legal right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Payday loan () with CASHCALL, INC. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I was given a payday loan of {$2600.00} from a Company called XXXX XXXX back in XXXX of XXXX. This loan was illegal in my state of NJ. I found that out after taking the loan, and after I had paid back over {$1800.00}. Payments were {$290.00} per month, and hardly any of it went to principal ( probably less than {$20.00} a month ). 
Once this loan was issue, it was immediately taken over by some company in California called Cash Call so that it would look like a legitimate installment loan. 
I was advised not to pay anymore money to this company in XXXX of XXXX. They were taking money out of my bank account, but I changed the account number once I was told not this loan was illegal. 
I have complained about this company previously. They keep sending me offers to make payment on a loan that has now grown to over {$10000.00} ( {$10000.00} ) from an original loan of {$2600.00} of which payment of {$1800.00} had been made. 
They are asking me to settle this loan for XXXX lump sum of {$1200.00} by XXXX/XXXX/XXXX, or make XXXX payments of {$170.00} starting by XXXX/XXXX/XXXX. 
I am not paying them another cent for an illegal loan that they did not initially make! 
Why are these people allowed to stay in business???? they are crooked and charge up to 300 % in interest. 
I want them to cease and desist their collection efforts and wipe this loan off their books and my credit report. Pls help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian 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 public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted 5/3 Bank when I became very passed due with my house payments. I sent them a packet of information they requested and was contacted online by XXXX of their processor an XXXX XXXX who became my contact person at 5/3. I became quite concerned with the time it was taking the bank to process paperwork, and I told XXXX that the bank needed to hurry because I was to appear in court over this issue. She told me that since my home was in the process of a possible modification / workup .... that there was no court dates I needed to attend. I repeatedly asked this again and was told no court. My problem was that the lawyer from 5/3 did go to the court date and it appeared that I did n't based on this employee from the bank 's information. At this time the bank then began making decision about my home legally and even sold it in a sheriff sale on XXXX XXXX, even after I was able to get a XXXX settlement conference scheduled from the Judge based on the email issue. While the XXXX settlement conference was continued for my husband 's " Hardest Hit Funds '' to arrive from the federal government, 5/3 when ahead and held and unlawful sale of my home and is now planning an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I came home from college and i recieved a letter in the mail stating my account was closed due to check fraud. I dont know anything about that, i was in school for 5 months prior to this happening and there was no Bank of America where i was located so i couldnt have made any type of transactions.

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 11-10-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to XXXX three ( 3 ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices. 

Referencing prior complaint Case number : XXXX they did not remove the entries from XXXX as I clearly request where the posting was made but their tactic was to remove from XXXX as per their response below : Response disputed Harvest and Associates said : Explanation of closure Due to the age and amount of the debt, the original creditor has agreed to close the account from collection and remove from XXXX. 
Relief The debt of {$66.00} has been written off. 
{$66.00} XXXX XXXX of {$66.00} has been written off and deleted from XXXX. It may take up to 45 days for XXXX to remove the debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a streamline modification in XX/XX/2016 from Seterus Bank. I made all the trial payments and received permanent paperwork in XX/XX/2016. I continued paying for XXXX and XX/XX/XXXX. They are sending me paperework that I am past due. I am not past due. They have not sent back the permanent loan modification paperwork back to me, leading me to believe my loan is not modified.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with Rosebud Economic Development Corporation (OK).
Issue: Can't stop charges to bank account

Complaint: I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from Oklahoma XXXX XXXX XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivables Management Partners, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For the last year I 've been trying to get XXXX XXXX XXXX XXXX to get the debt collector Berks Credit & Collections to remove the collections owed off my credit report since I paid them over a year ago. I owed 2 payements of XXXX dollars. So I paid 1 payment of XXXX by check to XXXX XXXX XXXX XXXX. They received the payment and said they notified Berks Credit & Collrctions. Berks is saying they never got notified the payment was made. I 've been going back n forth with these 2 company 's for almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good afternoon, I am making a dispute against XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from XXXX  to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 01/17/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We were supposed to receive one annual tax disbursement from our escrow account on or before  XXXX   XXXX , made out to us and the tax authority. That amount would have equaled {$3700.00}. Instead we received a check from  Franklin American f or {$750.00}.     Once we got a second tax bill in    XXXX  2017  --  and no check from  Franklin  -- we realized there was something wrong. They had paid us a quarterly payment instead of an annual payment. After many long, fruitless conversations with the service center, and one with a helpful ( and knowledgeable ) person at the corporate headquarters, we thought we had the issue resolved.     Without our knowledge,  Franklin  sent a check for {$2600.00} directly to the tax authority. We were literally about to mail a tax payment ourselves ( and consider hiring a lawyer ), since  Franklin  had never updated us as to the status of our tax disbursement.     This leaves a remainder of {$320.00} in our acco unt ( if  my math is right ) that  Franklin  should have sent us  four  months ago. We 're still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Problems caused by my funds being low

Complaint: PNC Bank has placed my daughter in the XXXX due to an overdraft account. She is a minor and I believe should she be exempt from collection activity and removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.

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