milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

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 05/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: After submitting complaint #  XXXX  against Paypal, that company did NOT address what I complained. I expressed my big dissatisfaction with the response provided by  XXXX   XXXX   XXXX , who also mailed a letter to me with the same text. .CFPB should allow a follow-up instead of closing the complaint as in this case CFPB is not protecting me as a customer of a US company like  Paypal , w hich has thousands of complaints worldwide.   The restrictions to login continue in m y Paypal account and I can not withddraw the balance of   XXXX   XXXX  , for which I feel deeply frustr ated.    XXXX   XXXX   XXXX   XXXX  stated tha t US headquarters  can not assist me, and that is a shameful and evasive " wash my hands '' answer . Paypal emailed me a message in   XXXX   languague stating that they sent me a message inside my Paypal account, however as I have restrictions to login I am unable to read that interna l message!     Here is my feedback posted to CFPB after receiving  Paypals answer : Paypal did NOT solve at all the login problems originating this complaint. Paypal did NOT send me a detailed email response, which I was looking forward to receiving. The only thing Paypal did is to tell me that I have a message inside my account ... which I can not access : - ) so I am unable to read what they say ... I emphasize that I want to be able to login to my Paypal account so Paypal MUST eliminate the login restrictions. I   want to be able to withdraw the   XXXX   XXXX     balance in my account or at least  Paypal should do it but in any case I WANT MY FUNDS! Paypal has thousands of complaints worldwide and the authorities make nothing against their constant abuse! I see that thousands of accountholders have their accounts restricted by Paypal!!     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Paypal treat customers as stupid people  !! I can not bear this situation anymore!! In conclussion, Paypal did NOT address my com plaint!

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avantus, LLC (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had my credit report run today, trying to refinance my home mortgage that has been going up due to an adjustable rate. I have no late payments on my credit report at all except for a car loan which I made my last payment on and have never been late. In XXXX I went to see my mother in XXXX XXXX as an emergency and forgot to pay but never got a notification from the car company XXXX XXXX XXXX and I 've been pre-paying and paying extra for years. My credit report shows that I am late in the month of XXXX and we are not through the month of XXXX, I paid the entire bill off over the phone today, XX/XX/XXXX. They can not mark me for the month of XX/XX/XXXXif I was not late the entire month of XXXX and they should not mark me late at all after breaking Facra. Please have them clear my credit report of any lates, the entire loan is paid off. Please have them delete any lates and show a XXXX balance. I spoke with XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America continues to state that the loan is behind. As recent as TODAY they told XXXX XXXX that the mortgage is behind and that they are charging her {$95.00} a day in interest. This follows a " claim '' by bank of America that a check in XXXX was dishonored. Despite a complaint with the CFPB, they have STILL not provided a shred of evidence that the check was dishonored. My bank has told me the check was NEVER PRESENTED. As a result of their LOSING THE CHECK, they attempted for the 3rd time in 4 years to fraudulently force the property into foreclosure. It was only a complaint to this bureau that resulted in them backing off their BLATANTLY ILLEGAL AND TERRORISTIC behavior. However, despite not providing ANY EVIDENCE whatsoever that the check was dishonored, they are harassing XXXX XXXX and me for payment of the fees they attached during the process. Despite stating in the previous complaint they would get back to us they have NEVER responded.

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 09-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX to pursue a degree in XXXX XXXX. I graduated with an XXXX degree and was told that I would get a job right after I graduate and if I wished to further my education elsewhere it would accredited. That was all incorrect. I was lied to from the beginning and they took me for loads of money and I can not even do anything with my degree. So I am XXXX dollars in debt and had to get a job in a field that has nothing to do with my degree because I am so far in debt I can barely even make the payment. I am barely scraping by. XXXX XXXX has ruined my life and put me in a hole I do not think I will ever be able to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: I called and made a payment over the phone on XXXX XXXX, XXXX for {$300.00} and was to be applied to suspense. Then I made another payment on XXXX XXXX, XXXX for {$600.00}, which that should of left me XXXX in suspense to help me make a full payment in 2 weeks. However, I called on XXXX/XXXX/XXXX and the agent was rude, would not answer my questions, I would ask her something and she would say we are not getting any where cause you do n't understand. I told her I understand I do n't think you understand how to read the system. because she would not and did not answer me about my {$600.00} payment that I requested to know what month the payment posted for and what happened to the extra amount is paid on the account. She placed me on hold for 10 minutes and never came back on the line. I finally disconnected the call. I was so mad that she was talking over me that I had to pull over and calm down because I was so mad after she placed me on hold and never came back on the line. I should have XXXX in suspense. If anything was paid besides my mortgage the payment {$600.00} must be rev & reapplied to satisfy my payment and the rest in suspense. No fees should be paid.

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 06-07-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan went into default due to losing my job and created an inability to maintain payments. The loan was turned over to Performant Recovery, who would be offering me solutions to get the loan back into good status. My total balance remaining when the loan went bad was $ XXXX. I am uncertain of the exact amount as Performant would not provide me that information. First issue, Performant forced me into a rehabilitation program at a rate of $ XXXX/month. Even after I submitted all my monthly expenses and showed I could not afford the plan I was told it was $ XXXX/month non-negotiable or I would have my wages garnished. Keep in my mind I just got back to work from being job-less for 7 months. So, I sold personal belongings and cut every single expense to make the XXXX payments of {$800.00} XXXX totaling $ XXXX ). Second issue, after I successfully completing the rehab program my loan was transferred to XXXX to finish out the remainder of payments ( which no documents have been sent to me by either company yet ). I just found out that the $ XXXX paid to Performant only reduced by balance by $ XXXX meaning Peformant took thousands in fees ( which were never disclosed to me before entering the Rehab plan ). I called on XXXX/XXXX/16 to request copies of all disclosure forms ; explanation of all their fees ; and a copy of where I agreed to such terms. Performant told me they dont have copies and ca n't get any records because they are no longer active on the loan. Based on my experience working for XXXX XXXX I find this to be deceptive if not illegal actions by both Peformant and XXXX. I know that Lenders/Servicers are required to provide documentation/disclosure forms regarding loans. I need help solving this issue.

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 10-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Original creditor determined this was a fraudulent account and was deleted from my credit report. I have sent numerous letters to the collection agency about this and they have not removed this account from my credit report. If original creditor determined this was a fraudulent account why wo n't the collection agency remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A bank account I had opened with XXXX BANK over 10 years ago had reported on my credit that I owe them {$300.00} and the account has now gone into collections and has been reported on my credit. I have never received any bills, payment options, a fee schedule, or ANY type of notice that I owed this money, or that it was in any way outstanding. I check my credit once a year, and considering this account was closed over 10 years ago, I think it 's ludicrous I 'm just seeing it on my credit now, and as " in collections ''. I was NEVER notified that I owed this money, or that I had occurred any fees. I still even have the card in my possession. I believe the bank is committing fraud toward this account, because i was NEVER notified in writing of owing anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Worked with Quicken loans to refinance home. They were misleading about lender fees therefore withdrew consent on application and went with another company. They charged my credit card  XXXX  $ without explanation or authorization. I never authorized this payment. They have some serious business practice issues with regard to misleading customers and not fully disclosing their fees. After they were denied my business they unlawfully charged my card. I am disturbed by this company being allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a single mother with XXXX children, I just went through a horrible divorce that involved XXXX. I am trying to pick up the pieces and put my life back together which includes keeping a roof over my children 's heads. I have a career with a XXXX year job history. Our home is currently in the foreclosure process with Bank of America. My ex husband stopped paying for the mortgage and took all of our money out of the bank when I obtained a restraining order against him. I can afford the mortgage payment go forward however I am unable to make up the back payments. Prior to the divorce being final I was constantly in contact with Bank of America trying to figure out ways to prevent the foreclosure. I was highly encouraged by them to obtain the divorce decree as quickly as possible and get my soon to be ex to quit claim the house so that I could qualify for a mortgage modification. I rushed the divorce to obtain these documents and submitted them only to be told I did not qualify. I was never told the same thing twice. Every time I called I received conflicting information. I retained an attorney by the name of XXXX XXXX at XXXX Law Firm as I feel there have been many UDAAP violations throughout this entire process that need to be investigated. To this day I still am unable to get the same information from XXXX different people at Bank of America on anything having to do with this whole mortgage modification approval/decline process. I submitted the divorce decree and quit claim deed exactly as I was told then I was told by someone else there was no need to do that. They appraised my home for {$500000.00} the first time, when I appealed that they came back with an appraisal of {$450000.00}. I sent in XXXX comparables to Bank of America and gave them the name of several realtors in my area who said the home would not appraise or sell for more than {$370000.00}. Bank of America has ignored that. Where is the due diligence around their appraisal process and ensuring the accuracy of them? How many other mortgage holders homes were over appraised as well in order to decline their mortgage modification?? I believe this over appraisal is XXXX of the reasons for the denial for the mortgage modification but not able to get confirmation around that either. Recently someone named XXXX XXXX called and said I could get my own appraisal done and this was the first I have heard of that as well. There have been nothing but unfair and deceptive acts and practices during this entire foreclosure/mortgage modification process. Please help, I can definitely afford the payments and need to keep my XXXX children in their home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have my student loans through Navient. My loans have since come out of grace and are now due. Since I am currently unemployed and unable to find a job, I have been paying {$50.00} every three months per loan to keep the loans in forbearance. They have continuously mishandled the forbearance of my loans applying them incorrectly, therefore making my loans past due. I have called on several occasions to fix the issues that they caused and they have yet to be fixed. When I asked about income-based repayment options or enrolling in their financial hardship repayment option, they told me that I could n't and would n't be able to qualify and that once all of my forbearance time was used, they would come after responsible parties for the payments rather than help me to get into a payment plan. I can not figure out how to consolidate my loans through Navient so that I do n't have XXXX separate balances. Also, when paying my forbearance fee, the representative could n't process both fees in XXXX transaction. So, I was then connected to another representative to process the second fee of which they would n't process on the same card because it was a duplicate charge. They told me that I had to either use another card or call another day to pay the fee but if I waited that my loan would be delinquent. Rather than trying to get me into a payment plan, Navient is forcing me to use all of my forbearance time and forcing me to spend the forbearance fee every three months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07-05-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (VA).
Issue: Account opening, closing, or management

Complaint: I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no reason.

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 02-05-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX I began monitoring my credit report. I noticed that I had a collections on my account in the amount of {$4100.00} for a XXXX account. The Collection company was Deversified Consultants. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Florida XXXX. 

( XXXX ) XXXX. I disputed this information on my credit report asI had no knowledge of the account and did not purchase anything or have XXXX services. The dispute came back as valid in XXXX. I disputed this account for a second time. I called Diversified Consultants and they said that I would need to contact XXXX to clear the account. 

I then filed a complaint with the federal trade commission, and sent a notarized investigation request/ affidavit to XXXX. To this date XX/XX/XXXX I have had no correspondence from XXXX or Diversified consultants, and the negative account remains on my credit report as a collection in the amount of {$4100.00}. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me 2-3 times EVERYDAY, they do not tell me who is calling. They just call and hang up after I answer, i receive their calls from XXXX to XXXX consistently waking my family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I got this call telling me about a student loan, that is under investigation, while I 'm already paying my loans with an creditor that I 'm using. They would n't listen to my response to not to call, and keep on with their business.

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 10-04-2016 about Debt collection (I do not know) with URS Holding, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this letter from this company demanding payment. To my knowledge I have never entered into a contract with this company nor have they provided me with services or goods

Company response to consumer: Closed with explanation