milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 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: Investigation took more than 30 days

Complaint: My name is XXXX XXXX, I paid off my car ( XXXX XXXX ) in XXXX and had car loan company sent the report which identify my paid off car loan to 3 major  Credit bureau, 2 of them ( XXXX XXXX ) updated my credit report but Equifax failed to updated my credit report. the car loan report still show up on Equifax credit report. since i am apply for home loan and need clear my credit report, i tried contact equifax and they always said nothing received from my car loan lender. 

pls help me with my problem, it 's very important for me to clear car loan on Equifax Credit Report Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Federal student loan) with Persolve, LLC - Legal - Series 2 (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (I do not know) with JTM Capital Management, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company XXXX XXXX XXXX has called me stating they are reviewing a matter and have been retained by JTM Capital Management for XXXX XXXX XXXX from something from XXXX 2014. I have never heard of either company. They refuse to send me anything in writing when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: We have our current mortgage with Chase Home Finance. Have excellent payment history. We kept getting letters about refinancing at a lower interest rate. When I did call the rate was not as low as my letter but they could still get us a lower rate than we currently have and less years. They describe the letter as " marketing projections done months in advance. So we paid the {$460.00}. Application fee, signed paperwork and " locked in '' at 4 % and zero points. We kept having to get a bunch of extra documents to underwriting which was annoying but understandable. JPMORGAN Chase changed the 15 year, XXXX point and 4 % to 20 years, XXXX points & 4 % and then after the appraisal came back they changed it to 30 years, 4 % and XXXX points. It would cost us XXXX. To get a worse mortgage than what we had and the letter we got explained that this was based on my husbands credit score which in the next paragraph stated his credit score is XXXX. The interest rates had fallen since we started trying to refinance. When I asked about changing our rate lower, I was told for better or worse we were locked in, but according to the paperwork we signed we SHOULD HAVE also been locked in on points.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Transunion several times but they just wo n't fix this. My XXXX XXXX credit card that I pay on time each month is not showing ( card # ending 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 06/28/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: TD Bank has inconsistently responded to an electronic check return complaint by claiming 1 ) It was a bank processing error ( see letter dated X/XX/17 ), and 2 ) It was returned due to payment requested had a difference amount than listed for payment ( see emails dated X/XX/17 ). <P/>TD Bank offered a letter of apology and {$330.00}. In discussion with bank customer care analyst on or around X/XX/17 it was cited the monetary offer was insufficient, but later in a letter dated X/XX/17, I stated I was willing to accept whatever the Bank was willing to offer. <P/>The Bank has responded to this complaint inconsistently and in part inaccurately. TD Bank has not provided a reasonably expected level of care regarding accurate, timely, and transparent communications. This lack of care and the bank errors and omissions has caused me financial hardship which the Bank is solely responsible to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion refused to provide Credit Score to a Lender, XXXX XXXX XXXX, whereby I am denied a Home Loan. 
And refusing to provide me with credit report, inspite of providing all required documents multiple times since XXXX 2015.

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 01-05-2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

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 06-12-2017 about Payday loan, title loan, or personal loan (Payday loan) with CHECK INTO CASH INC. (CO).
Issue: Struggling to pay your loan

Complaint: This company states that I wrote the check on  XXXX / XXXX / 2013 . They are now trying to take me to court. I have tried explaining that I am on  XXXX  and do not have the funds to pay them up-front, but I would gladly make payment arrangements. They would not accept my offer. Today I was contacted by a Law Firm stating I was being taken to court. I ca n't afford this and the SOL date has passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Armor Systems Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing regarding several medical bills for which I am not responsible that have been incorrectly and falsely sent to collections by the billing office of XXXX XXXX XXXX in XXXX 2015. The bills submitted to collections by XXXX XXXX 's office total {$160.00}. Despite repeated attempts to have these bills removed from collections, XXXX XXXX 's office has thus far refused to do so. 

XXXX XXXX 's billing office incorrectly states that I visited them on three occasions XX/XX/2015, when in fact I only visited on two occasions : XXXX/XXXX/15 and XXXX/XXXX/15. 

At the time of each of my visits, I paid a {$20.00} co-pay per visit per the requirements of my insurer, XXXX XXXX XXXX, and the requests of XXXX XXXX 's office. The insurer stated on their website and confirmed via phone that {$20.00} was the correct co-pay amount. XXXX XXXX is a XXXX Preferred provider under XXXX policy, clearly documented by a screenshot of XXXX website and my phone conversations with their representatives. 

However, XXXX XXXX 's office inaccurately charged both my husband and I an additional {$40.00} per visit ( including for a third visit that never occurred ) and submitted the difference to collections. 

I have contacted XXXX repeatedly regarding this matter, who confirmed that the correct co-pay amount is {$20.00}. I spoke with several representatives there recently, who confirmed this again and stated that XXXX has contacted XXXX XXXX 's office with the same information. 

I have also contacted XXXX XXXX 's office repeatedly regarding this issue and stated in writing that there was no basis on which to submit this matter to collections, and repeated that assertion recently. Per the attached documentation from the collections company, Armor Systems Corporation, XXXX XXXX 's office has cancelled all claims for my spouse, who had the exact same issue with XXXX XXXX 's billing practices. However, my claim falsely remains in collections. 

Per this documentation, I have asked XXXX XXXX 's office to remove these bills from collections immediately, however they have refused to do so. I have also asked that the office immediately contact the credit reporting agencies - XXXX, XXXX, and XXXX - to have these items removed from both of our credit reports. 

It is troubling that XXXX XXXX 's office failed to exercise any due diligence in obtaining accurate information before submitting these claims to collections, and has still failed to resolve this matter nearly a year later. Clearly, this is evidence of deplorable and irresponsible business practices that harm consumers such as myself.

Company response to consumer: Closed
Consumer complaint received 09-11-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I can no longer get access to my credit repor t ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my rep ort ( s  ).     I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 bu siness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an old private loan with my XXXX University. From the account information on the loan sent to me by the University, it shows that it sent to the Credit Agency, Experian and XXXX, that the loan had been reported as paid off on XX/XX/XXXX. However, my Experian Credit Report shows this loan being in collection ( Negative Remarks ) in XX/XX/XXXX and XX/XX/XXXX. This is after 4 years of ND ( No Data being reported on the loan ) reporting since it has been closed. I have tried XXXX disputes and they refuse to remove this negative reporting from my account in the months on XX/XX/XXXX and XX/XX/XXXX, even though the document shows they University reported to the Credit Agencies that the loan was paid off XX/XX/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 01-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, when paying my credit card online I accidentally added a XXXX, paying {$30000.00} rather than the intended {$3000.00}. This was in excess by about {$24000.00} to what I owed and twice my credit limit on the card. I called Bank of America to request a refund on XX/XX/XXXX. They said they would issue a refund within 6-7 days. No refund was issued in that time. On XX/XX/XXXX I called Bank of America again and was assured that the refund of {$27000.00} ( the over payment amount ) would be made by XX/XX/XXXX at the absolute latest. No refund was issued. I called again on XX/XX/XXXX. I was told the refund was not being processed because Bank of America wanted proof from me that the money was taken out of my account ( i.e., they wanted me to provide a bank statement before they would process a refund ). Bank of America made no efforts to contact me in this time with this request for verification and simply did nothing until I called third time and insisted that some thing be done. I was made to fax in my bank account statement to prove that the money was sent to Bank of America and that I was not refunded. I have now been told the request for a refund will be expedited and refund will be issued in 24-48 hours, but they also said it might be 6-7 days.

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 02-11-2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XX/XX/2017, I contacted XXXX XXXX about switching from XXXX to XXXX XXXX after paying and {$80.00} dollar fee I decided to stay with XXXX I contacted XXXX  XXXX and advised them that I was not going to use there service shortly there after i received a ststment for {$160.00} dollars i contacted them again and was asdised i owed the {$160.00} and i told them I never went in to XXXX to start service and was advised to send back Sim card which I did i requested a return of my {$80.00} dollars and was assured i would receive same several months later i received a letter from AmSher collection services , INC that my account number XXXX with XXXX went to collections i contacted AmSher and was sent documents via XXXX which i filled out and sent bact to XXXX several weeks I received a letter from XXXX that I didn't owe any money to date i hav n't received my {$80.00} dollar deposit and are continued to be contacted by XXXX for payment although I contacted XXXX with no result. also XXXX sent to credit reporting companies that i owe this debit which is affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Original debt was not submitted to insurance company therefore I was billed. I have since reached out to the collection company to get information on how to settle this matter. Can not get necessary account information to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed items with this credit bureau more than once about a tax lien, XXXX bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau tries to justify their actions, which are not acceptable nor tolerated. In regards to my disputes I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, zero liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.

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