milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: This company XXXX contacted me on the phone. Ask had I applied for a loan? I said yes I had. They told me they could help and put me in contact with XXXX XXXX, the senior finance mgr., who then ask how much loan I need and what for. I told him to repair my car and pay some bills. I ask for {$1500.00} and he said no problem. Just go to my nearest Walmart. I went there thinking he would transfer money into my account after he took my banking information and personal things of my work and so forth. After getting to Walmart, he informed me that I had to pay the insurance amount of {$190.00} before getting the money in my account. I figured if I had to pay insurance to guarantee he get his money back, I may as well get {$3000.00}. He told me that would be {$290.00}. He ask me to stay on the phone while we made the transaction to Money Gram. After this was done he said he would call me back in 20 min., which he did to tell me XXXX would be giving me the loan. A person from XXXX called and asked me to verify my information. Then tells me that this is a loan company I 'm borrowing from and there will be a {$480.00} fee to pay before I can get this money transferred to my account. I refused and called back to XXXX XXXX XXXX for a refund because that is not what I was told from the beginning. XXXX XXXX continues to tell me if I pay this {$480.00} they will deposit money in to my account. This is the information given me. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fla. XXXX, loan confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, TransUnion , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full,  Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX   {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

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 09/26/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Trouble during payment process

Complaint: Hi, as of XXXX XXXX I switched to XXXX home owners Ins from XXXX a XXXX underwriter.. I was told at first that XXXX from XXXX could do the transferring of the car and home ins ... than she called and told me I had to go into the office at XXXX to cancel the HOI..so I did and signed a paper stating that I no longer wanted XXXX and that I had new HOI.. I did that in front of a guy named XXXX. 
XXXX XXXX came and the XXXX XXXX paid XXXX for the year ... than in XXXX I asked why the escrow was soo much when I lowered the XXXX from then {$1400.00} to $ 600/yr and XXXX said sorry and sent me a check ( {$420.00} ) as well as lowered my payment $ 100/month ... I thought it was fixed but ... then in XXXX XXXX paid XXXX {$1600.00} for HOI till XXXX as a second HOI???? does this mean I get 2 homes if my home burns down?? I DO N'T THINK SO. so I asked XXXX if they could shed some light on this and they told me that XXXX no longer works for them ... so I asked XXXX if they could shed some light on this and they said that XXXX no longer works for them ... so I asked XXXX XXXX why they are paying 2 HOI on 1 home and they said yes that what we did??? HOW DO I FIX THIS?? XXXX XXXX already paid {$3200.00} for Ins that I cant use?????

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Fed Loan Servicing misapplied a loan payment by not distributing across all the loans in my package, and then agreed that it was a processing error. They agreed to reapply the loan payment backdated to the correct payment date, but that was over a month ago, and the representative ( XXXX ) I just spoke with said that the processing center had yet to do so. I am trying to maintain eligibility for public service loan forgiveness, and I am concerned that any persistent perceived delinquency, even though it was the servicer 's error, may cause problems applying for loan forgiveness when the time comes. They have not yet rectified the underlying misprocess, and I would like a record of what happened and how the situation was rectified for my personal records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We made a purchase at Best Buy 3 years back for {$6200.00} and it was advertised as " 0 '' interest for 3 years. They did not explain at the time of purchase the difference between " deferred interest '' and " 0 interest ''. I set up a monthly payment of $ XXXXmonth for the past 3 years and the promotion ended on XX/XX/. I did not realize that I had a balance of {$1100.00} at that time and they now charged me an interest asking to pay {$7100.00} instead of my balance of {$1100.00}. I was not familiar with how this process works and feel it is a rip-off from Best Buy/Citi credit cards.

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 05/19/2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.

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 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In reviewing my credit report last year, it came to my attention that there is a derogatory and incorrect piece of information on my credit report. I contacted the company, XXXX, XXXX.directly and I provided the XXXX credit bureaus with the same information in XXXX 2014. I requested that XXXX, XXXX provide accurate information to the credit bureaus regarding this account. Specifically, XXXX , XXXX inaccurately reported a civil claim against me for an account that was paid in full when I learned that it was due and PRIOR to a court decision being rendered. To date, I have not received a response from XXXX , XXXX or any of the XXXX credit bureaus. This information remains on my XXXX and TransUnion reports but has been removed from my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting wrong information regarding my XXXX XXXX XXXX XXXX. The loan was opened in XXXX XXXX for XXXX months. They are reporting the XXXX payment as XXXX XXXX which is incorrect. 
XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments {$9200.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$410.00} Responsibility Individual Balance {$9200.00} Highest Balance {$20000.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor

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 10-09-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax multiple times in regards to inaccuracies on my credit file. 

When I take advantage of the free credit report via XXXX ; I am told that I have not provided sufficient information to access my credit file.I am told I will need to send a paper request in to Equifax. A process that I have done XXXX. Each time I receive a letter back that my information does not match what is on my credit file. 

I managed to talk to a lady to start a dispute process which allowed me to view a little of " my '' credit file - to which I discovered that they have placed numerous items on my credit file which are not mine. 

I am XXXX years old and have never taken a loan out for anything. I have no credit cards. And I have only performed XXXX credit check to get a starter loan. Which is how I discovered this problem to begin with. 

They have mixed my sister 's name, and my name together. They have My first name, her middle initial, my last name ( she is married ), and her birthday. Along with the numerous items on my credit that are n't mine. 

I have provided them with multiple copies of my driver 's license ( South Carolina issued ), my Social Security card ( I have contacted the SS office and verified that only XXXX card exists for that number and I have it in my possession ), and a valid check stub from my current employer ( XXXX ). I have included a brief letter stating that they had my sister 's information and my information mixed. As to which their response was that I needed to send the EXACT information that I had sent with the same letter. 

I have ran out of options and have contemplated contacting a lawyer to speak on my behalf. I was provided the information to contact the CPB via a reference from my sister. 

Any help and guidance is greatly appreciated at this point. I am currently wanting to move forward with my life, but I am unable to do so because of this problem. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgement was filed against myself, XXXX XXXX when the judgement is supposed to be against my son, XXXX XXXX and his wife, XXXX XXXX. We have paperwork from XXXX county clerk with XXXX XXXX and XXXX XXXX name on the paperwork but yet they have my social security number. 
XXXX XXXX was having her paychecks garnished until she moved and got a new job. She is currently employed at a different location but instead of going after her, they are going after me. I am trying to get approved to purchase a home and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a call from National Credit Adjusters from a " spoof '' phone number after XXXX. Receive numerous calls a day from spoofed numbers attempting to collect an unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : 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 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Atlanticus Services Corporation (CA).
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint: In the month of XX/XX/XXXX I opened a new account with fortiva credit card for a {$400.00} credit limit in the same month I went over my limit and immediately made a payment to get the over limit payment down. In the same month of XX/XX/XXXX, Fortiva closed my account and put my card in collections. I understand I went over my credit limit but they were unable to answer why I was put into collections even though I made a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Taking out the loan or lease

Complaint: I originally financed my vehicle through Santander in XXXX. In XXXX I refinanced this vehicle through XXXX. 6 months after Santander accepted the payoff from XXXX they sent me a bill for {$450.00} saying that I still owed them a payment. I refused to pay because they released the lien and accepted the payoff and now it 's on my credit report looking like a repossession and is preventing me from getting a decent interest rate on a new loan. The vehicle has been completely paid off for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Bank account or service (Other bank product/service) with OLD NATIONAL BANK ().
Issue: Account opening, closing, or management

Complaint: My HSA bank now is charging {$2.00} per month for a paper statement fee. Also, I just spoke with a company which provides a service that I pay for on an annual subscription basis, and they want to charge me a {$2.00} paper billing fee. How can these companies get away with nickel and diming me to death?!? They have been providing paper statements and paper bills, with an option to opt-in to electronic delivery. Now they are penalizing me for wanting to receive paper?!? How is this still legal???

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I spoke with Senator XXXX XXXX office and they said that I should file a complain with your department. 

I am writing to you to request your help. My wife and I are attempting to get a loan modification on our mortgage. We completed a trial modification and made all payments on time. When they sent us a final offer, it included the principle balance which was {$360000.00} plus an {$80000.00} balloon payment that covers interest that accrued when I was unemployed. The house is currently worth {$300.00}. I told them that we would accept an offer to pay {$360000.00} with no balloon payment. I believe this is fair as it is XXXX % above market value. They rejected this offer and put us back in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX I had a trade in I was told I was approved and the loan was for 48 months I signed all the paperwork took delivery and the next day I was asked to resign I had to resign 3-4 times all electronically and never was shown or received paper work the only time I was showed the paper work was the first time come to find out they changed the term to 84 I contacted the dealer and the sales manger was terminated. I have also contacted XXXX  XXXX XXXX and told them I had electronically signed the key pad at the dealer and it was a bad loan and I never received a contracts or documents. I was told there was nothing they could do from there I told them to come get there car due to the pad note they had me sign my credit report is now showing a charge off I am going to try this route first before filing through the courts I would like to see this off my credit seeing I did n't have it more than 45 days it also took XXXX XXXX XXXX almost 9 months to locate the car in which I told them I dropped it off right after I seening the fraudulent loan

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Credence Resource Management at XXXX XXXX XXXX, XXXX XXXX in XXXX, TX XXXX has been sending me collection notices. This company states that they represent XXXX XXXX XXXX and that I owe {$980.00} toward trip/account number XXXX. I paid this amount in full to XXXX XXXX XXXX by check on XX/XX/2015. This check cleared my bank on XXXX XXXX, 2015, however, Credence Resource Management has refused to acknowledge this payment with XXXX XXXX Response. This collection company was sent XXXX written notices by me. The first written notice was sent by regular mail on XX/XX/2015 and the second notice was sent by certified mail on XX/XX/2015. Both notices informed this company that XXXX XXXX XXXX has been paid and they continue to send me collection notices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.

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 10/25/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Managing the loan or lease

Complaint: Made a payment to Belk Credit ( department store ) to wrong account. Asked them to apply the balance to the right account and they did not do it but charged me a late fee. Asked them to send me a refund on the credit of {$210.00}. They did not refund the money. 
There is currently still a credit on the 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 explanation