milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experience Credit Reporting employees continue to allow Fiticious Business access to Credit Profile to Lower FICO Score, XXXX. Was allowed access with out proper authorization, or application. The Business phone Number listed is a Mail Box that is Full and does Not allow messages. This is a on going problem with Experian Credit Reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TN).
Issue: Managing the loan or lease

Complaint: I have a lease agreement with GM Financial. It started in XXXX 2015. In XXXX 2015-GM Financial claimed they did n't receive my XXXX payment. I mailed my payment as I normally did in their provided envelope and with their provided statement. They claimed from XXXX XXXX thru the end of the month -- they did n't receive it and harassed me by calling me at my job and at my home 3 times a day. In XXXX, I made both the XXXX and XXXX payments. My problem is I do n't believe GM Financial did n't get the payment. I genuinely believe they disposed of the payment to illustrate their point that I should acquiesce to their repeated insistence that I sign up for direct debit. The reason this is so important is now they are again claiming they have n't received my XXXX payment mailed to them on XXXX XXXX, XXXX. I have been mailing payments for the last 30 years without any problem. I do n't believe it is statistically possible for XXXX mailed payments not to arrive at their destination with the same creditor. It 's simply not possible. GM FinanciaI has a problem. They are intentionally disposing of the payment, or their quotas for processing payments are so impossibly high that employees are throwing away payments just to keep their jobs. In either case, I am sending my payment in the envelope provided with the payment slip included. In addition, this situation is impacting my credit. I believe this situation would be considered deceptive, abusive, snd unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?

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 reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Someone had a judgement against them and it was placed on my credit reports. I does not belong to me.

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 05/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I use to have an account with bank of america with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to bank of america ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank 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
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I applied for a loan with XXXX different lenders and was presented with XXXX different credit scores from Experian. My credit union provide XXXX different scores. While in the credit union I was told that my Experian score was at XXXX. They turned down my loan but sent be an Adverse Action warning and the Experian score was at XXXX. I applied at a different lender for the same loan and was told that my Experian score was at XXXX. Same Credit Reporting Agency giving out XXXX different scores. It appears to me that this is against The Fair Credit Reporting Act. If not why do we allow them to control our credit history and scores when they can not give the same score to every lender?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Merchants Credit Corporation (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Collection agency reporting already paid medical accounts despite requests from both myself and the original creditor to remove

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Professional Placement Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full yet Professional Placement services has left it " OPEN '' on 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 01-10-2018 about Checking or savings account (Checking account) with EAST WEST BANK (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX We issued a check of {$6600.00} to our insurance company but the check was lost in mail and been forged and withdrawn. I went to my bank, East West Bank, to discuss the issues and complain why they released the fund without any endorsement on the back of check. The branch manager said that is the bank standard procedure and advised me to file police report and bank 's own form and promising me they will refund to us within 2 to 3 month. Since the last letter from East West bank confirming the case filed, we have n't heard any thing from bank. Until today, X/XX/18, we called bank to update to status, the bank manager told us the other bank, the depository of check, denied to refund anything. Please advise what will be the next proper procedure to continue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In late XX/XX/XXXX 2014 I had an incident where someone used my account for fraudulent purposes. A fake check was deposited into an account that I was a joint owner and withdrawn using a fake credit card at a local ATM. I immediately reported this incident on the day that it occurred to the local sheriff 's office. The sheriff 's office directed me to the city police since the incident occurred within the city limits. The matter was investigated and camera footage from the ATM and the bank was obtained. Those involved in this incident were not able to be found. A representative for BB & T by the name of XXXX contacted me and threatened to file charges against me! I was forced to pay BB & T the money even though I had nothing to do with the incident and filed the police report. I was the victim of fraud however the money was debited from my account and I had to pay the remainder of what was stolen from me by using my credit card. This was done with the assistance of XXXX XXXX at my local branch. XXXX made multiple phone calls to me and was very aggressive and abusive in her conversations to me. After paying all of what I was ordered to pay to the bank ( including insufficient funds fees due to an overdrawn account ) my accounts with BB & T were closed and my name has been flagged in their system as a customer who is never able to do any business with them again. This practice is not fair to me nor does it seem legal. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). These actions violate this statute.

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 05/16/2017 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: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: I leased a kia I did the regular maintenance on it. Kia said that they are not responsible to honor warranty if not done at kia? They stated how do they know it was done properly. without any warning light first the battery needed a boost then it stalled the starter stopped and then the engine locked. never ever a warning light.the car was due back on a lease return and i am responsible for installing a new engine. i am a widow on social security and neerd to come up with over XXXX dollars

Company response to consumer: Closed
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to receive my free Experian annual credit report through XXXX but it stated : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' Because the message is so vague ( " a condition exists '' ), I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear.

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 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Resurgent Capital Services L.P. (NJ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I did a balance transfer from the credit card in question on XX/XX/XXXX and as of today XX/XX/XXXX the balance is still showing on my on-line profile and the credit card that I transferred the balance to is also showing a balance. As a result I owe double on my credit file and it has affected my score. Also, I ca n't call customer service to request to close the account. It must be done by mail. Therefore ; I did so on the same day of the balance transfer, but the card is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Portfolio Recovery repeatedly calls me and threatens me with a law suit on a debt that I do n't remember, they harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (MA).
Issue: Credit decision / Underwriting

Complaint: We applied for a mortgage from Mortgage Master. The agent was XXXX XXXX XXXX XXXXXXXXXXXX XXXX The agent offered repeated verbal assurance that everything was in order. The day of the closing he said that his company was no longer interested in offering us a mortgage at that rate. We could not walk away from the purchase without a significant loss, as he was very aware while he had continued to assure us that a mortgage would come through. 

What we did was pay for the purchase with our own funds. I believe that the fact that we are careful savers proves that we are a good risk, and that there is no conceivable business reason to deny us the loan after we had fulfilled all the company 's requirements. My guess is that Mortgage Master thought that by putting us in a tight spot they would force us into a deal which was unfavorable to us, and did not reckon that we would simply walk away. 

Perhaps also there was bad faith with my wife 's woman-owned business. Some comments that the agent made arose my suspicion. There is no way we can prove that looking at our case alone, but a statistical analysis might establish a pattern of discrimination if it exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have entered into an income-based repayment plan with Navient for my Federal Loans but my payments exceed my monthly paycheck. I have asked on a consistent basis for help in decreasing my payments but everytime a customer service rep has offered me a forbearance. I need help in getting a real help with my monthly payments. I have asked for financial help for years and all they have done is passed me along with defaults and forbearance forms. I would really like to make some payments but I can not afford what they are asking. My combined payments are approximately {$3500.00}. I can not afford that I am a single mother and I am trying to take care of my daughter all on my own. I have told them this several times. I have no way to pay this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your help in getting these incorrect address information and unauthorized inquiries removed from my credit file. Please remover addresses : XXXX XXXX XXXX ( the number is incorrect ) and XXXX, XXXX, Al. This information is a result of identity theft.

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 01-05-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove 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 monetary relief
Consumer complaint received 03/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.

Company response to consumer: Closed with explanation