milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX keeps showing information on my credit report from Equifax and XXXX thats incorrect. I have disputed online with XXXX XXXX, Equifax and XXXX several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX XXXX XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. Equifax and XXXX   are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: I got Really sick and fell behind on my payments. I 'm about 2-3 months behind, made a payment, and they wo n't accept it. They intend to hold it, until I can get an additional XXXX By next month. How can they HOLD it? I know they want my house. There 's potentially XXXX in equity. They want it.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX AND EXPERIAN ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX. 
XXXX  refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX  data hack My information was compromised Someone is using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Payday loan () with Enova International, Inc. (IL).
Issue: Received a loan I didn't apply for

Complaint: An on-line loan was taken out under my name and Social Security number through Cash Net USA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (ME).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with Weinman Acquisition Group (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XX/XX/2017    I contacted  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , AND  XXXX   XXXX    XXXX    XXXX  in order to remove hard inquiries that was placed on my credit report by these companies and no one could help me as they do not know what the process is in order to remove them. I disputed them online through Equifax and was told that I needed to contact the creditors directly but they was of no help at all. I need these  XXXX  hard inquiries removed from my credit report. Equifax told me that they could not personally remove these inquiries and each of the creditors told me that they could not remove these inquiries and that Equifax has to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Mortgage (FHA mortgage) with Southwest Business Corporation (TN).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.

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 03-06-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Credit decision / Underwriting

Complaint: I received a piece of rental property in my divorce settlement. However, the mortgage still had my ex-wife 's name on it which I needed to remove. I applied with Bank of America to assume the loan myself in an effort to get my ex-wife 's name removed. Bank of America denied my loan assumption based on the following factors : ( 1 ) Serious delinquencyand public record or collection filed ... this is true ... I did have a home foreclosed on back in XX/XX/XXXX ... I was under impression based on what I have read that major credit events like this come off your record for credit consideration after 7 years ( 2 ) proportion of credit balances to credit limits was too high ... at time of application, and now, I was using ~14 % of credit available to me ( 3 ) proportion of loan balances to loan amount too high ... I have never missed a payment on any current loans, including the Bank of America loan ... nots sure how I can do more than pay as I am obligated to pay, which I have done ( 4 ) too many inquiries into my credit ... no inquiries have been for negative reasons ... only to obtain information for companies I was considering potential of borrowing from, including the application to assume this loan. My credit score on XXXX report was XXXX and on the other than Bank of America pulled it was XXXX. I make $ XXXX plus per year in earnings and have no debt other the mortgage payment for my personal residence, the mortgage payment for the rental home loan I was trying to assume, a small unsecured loan with XXXX and the revolving credit I have out there ... in total less than {$2500.00} per month and I have the rental home leased through XX/XX/XXXX at {$550.00} per month. I do n't believe I received a fair review or outcome on the assumption application. I believe Bank of America is trying to bully me into applying for a new mortgage which I do not want to do. I do not believe Bank of America acted in good faith to review all information available to them to make the decision as to whether I was worthy and able to assume the loan.. I have worked extremely hard to get my credit back in good condition after the foreclosure, which was a result of my divorce, and know that I am more than worthy to assume this loan.

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 12/17/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a potential victim of the Equifax data security breach and I would like to make sure measures are put in place to tighten cyber security.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Solutions, LLC (KY) (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid a XXXX bill XXXX of {$200.00}. I lost my receipt. I went back to the XXXX office here in XXXX and was told they could not give me a copy of what I had paid. The bill is still showing as not being paid on my credit report. The debt is listed as being in XXXX account number XXXX.Tthey are telling me I have not paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Home equity loan or line of credit) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have sent 2 letters by certified mail, return receipt to Experian. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Experian received and accepted my letter through registered mail datedXX/XX/XXXX To date I have not received a response. A second letter sent dated XX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Experian dated XX/XX/XXXX To date I have not received a response.

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 06/16/2015 about Debt collection (I do not know) with Receivables Outsourcing, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls at XXXX XXXX and the caller ID identifies it as XXXX They leave no message. When I call back and ask who they are I am told they are looking for a XXXX and they can not ID themselves or who they work for because of the nature of their call???? They are an accounts receivable office. Really, as if I do n't know they are a bill collector. I think they believe without a name you can not report them. I told them not to call me again since hang up calls are harrassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Convergys (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Early this morning around XXXX am I paid my bills online. I then went to purchase dressers on XXXX website, I 'm a XXXX veteran and I finally saved enough money to get a Dresser. So to my surprised it was declined, I went to call XXXX because I knew I had funds in my account. The lady I dealt, XXXX with was very condescending and did not do her job correctly. Her manager is XXXX XXXX. I have gone without furniture in my place for over a year so obviously I 'm upset that I am not able to use my own money. I sent an email to the company about the incident, I get an email back. I thought maybe it had to do in regards to that. Nope it was a the security check that they had to take off my account which she did not do which brought another decline to the same order. Not once, but several times. I get it, I 'm a veteran and I have the premier account. I do n't have XXXX dollars in my account and obviously they treated me differently than a wealthy person. I lost out on some money several times using coupons not able to be used again for my purchasers. I do n't have much funds so whenever I find a deal I have to jump on it. This definitely agitated my XXXX dealing with this character and the lack of response to my money and embarrassment of being rejected several times at the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase chose to shutdown my Chase XXXX XXXX on XXXX XXXX, 2017. They sent a letter in the mail with the shutdown and did not provide a reason. I have attached a copy of the letter that was sent me. 

The main text describes : " After careful consideration, we closed your credit card account on XXXX XXXX, 2017, because our affiliate is ending its banking relationship with you. '' There was no more details about the shutdown In my XXXX years as a customer all payments were made to the card, the account was delinquent in any way. 

I would to speak to a representative from the XXXX XXXX to see if I can provide any information to adjust or change this situation. I was a proud and happy customer using the Chase XXXX for my everyday business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
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 have made numerous attempts to Wells Fargo Auto Finance to correct my XXXX XXXX credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.

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 08-05-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (CT).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Company has called my job, house and cell leaving message that im a person of intrested. Leaves other messages threatened lawsuits. They have refuse to vertify debt over phone or in writing. I can not keep getting these hsrrasing calls at work or my home.

Company response to consumer: Untimely response