milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2015 about Consumer Loan (Installment loan) with U.S. BANCORP (AZ).
Issue: Managing the loan or lease

Complaint: I was a victim of fraudulent activity on the account. An investigation was started and concluded it was fraudulent activity. ( See enclosed documentation. ) Now all XXXX reporting agencies have a negative item from Elan Financial Services ( XXXX XXXX XXXX XXXX, PA XXXX ) stating I was 30 days past due in XXXX 2015. As you can see on the documentation, the investigation was concluded in XXXX. I have spent over two hours on hold and have spoken with XXXX people trying to rectify this situation, but to no avail. 
I also contacted the XXXX reporting agencies regarding this and Elan informed them that the 30 day late judgment is accurate. How could that be correct when I was found to be a victim of fraud?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Application, originator, mortgage broker

Complaint: We are looking at a XXXX in NJ. The XXXX was for closed and is now owned by Nation star Mortgage. Nation star is requiring all potential buyers to be pre-approved by Greenlight loans, LLC., regardless of having a pre approval letter from another lender ( which we do ). Greenlight loans is a division of Nation star Mortgage. Nation star in no way reveals to potential buyers that they own Greenlight. So we have a seller requiring us to get pre approved with their own mortgage company which they own and directly will benefit from. 

I feel that we are being steered and pressured to use their own mortgage company. Additionally, I am concerned that they will not do due diligence in our pre approval as our income is largely XXXX and Schedule E ... our current pre approval was done by a very experienced broker and underwriter who took a great deal of time to look at all of the details. 

Lastly, I would like to remain anonymous as I do not want to hurt our chances in purchasing the property.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Managing the loan or lease

Complaint: Inaccurate information is being reported to XXXX and XXXX. My account was paid in full on XXXX/XXXX/2016. However, XXXX is reporting as of XXXX/XXXX/2016 my account Closed with a {$970.00} balance. XXXX is showing my account Open with a {$970.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Requested XXXX, XXXX and TransUnion multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( 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 11-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (TX).
Issue: Unexpected or other fees

Complaint: XX/XX/XXXX 2017 Received a XXXX prepaid debit card in the mail. 
It was not activated. It was unexpected. 
The card was sent by XXXX XXXX by XXXX. 
It was addressed to a person that does not live here. 
Suspect this is a scam whether intentional or not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX works for Online Information Solutions about my {$300.00} some debt for XXXX XXXX. The only reason he has my information was because I called the debt recovery solutions company because I do want to pay my debt, when I can. I explained I want to buy a house, but paying all my debts at the price they are is something I ca n't do at the moment. I wanted to see if they would settle for a less amount. It turns out they would n't, but I said I would pay when I can. Instead of trusting that I will pay when I can, XXXX is constantly calling my phone leaving voicemail after voicemail. Today he called at XXXX, I explained AGAIN that I do n't have the money right now, I will pay when I can and to please stop calling it is harrassing. He told me he is allowed to keep calling. I said it is against the law to harass me like this and he replied with " It does n't work like that we can keep calling '' ; implying that he is above the law and making me feel pressured to pay, or else.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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 06/30/2017 about Debt collection (Medical debt) with Credit Service Company, INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX aka XXXX XXXX XXXX based out of XXXX XXXX, Colo. <P/>I had a pre approved by XXXX XXXX services rendered in XXXX of 2013, I have no access to XXXX any longer i am subsequently divorced from my military husband. XXXX initally paid on these charges then resended them due to my divorce. Paid my deductables at XXXX, I find 4 charges on my credit report from the same entitiy .. I called XXXX and they state we tried to bill you you never paid, I moved and funny all my other bills followed me. I say well lets see how we can work on this, nope, its with credit now. I look they have billed it 4 differernt ways under 2 separate " XXXX " renewed it under a different name.. <P/>I have sent letters to the credit company that is on line with the bills, the two entities of the company that began the billing process.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Payday loan debt) with BlueChip Financial (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.

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 02-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX , XXXX out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX XXXX, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Installment loan) with Marlette Funding, LLC (CO).
Issue: Problems when you are unable to pay

Complaint: I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close. 

On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address. 

Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance. 

I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.

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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: Im A  XXXX  living in  XXXX   XXXX   XXXX  and  XXXX  says they cant Proses my Information electronically and i have two send it buy  Paper M ail  XXXX  is the Counter  Fit capitol of  the World i should not print documents at and  internet Caffe  and the mail is extremely Unsafe.     It Would Tak e 40-60 days two mail the  Credit Burrow from  XXXX  I have  two Fly Two   XXXX  and ask  XXXX  that 13 Years i cant get a new ATM card with a  XXXX   credit score be cause my payee sabotage everything Can I sue the Credit Burrow from  XXXX  that i cant get a New ATM card in 13 years  XXXX  - A World of Insight We 're sorry. We were unable to honor your request.       Sending us your information To submit your request by mail, please send your documents along with  one copy of a government issued identification card, such as a drivers license, state or military ID card, etc., one copy  of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number.  Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, maga  zine subscriptions  or postal service forwarding orders as proof. To protect your personal identification information,  XXXX  does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. Be advised that written information or documents you provide with respect to your disputes  may be sh ared with any and all creditors with which you are disputing.       Mail this form to :  XXXX     XXXX   XXXX   XXXX   XXXX  ,  TX  XXXX  Your identification information  XXXX   XXXX  Social Security Number :  XXXX   XXXX   XXXX   XXXX   XXXX  MN  XXXX  Report number :  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 10/20/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Other fee

Complaint: I purchased an HVAC system through Lowes Home Improvement on my lowes Credit card. I signed a contract on XX/XX/2015 for Installed services by XXXX/XXXX/2015 with the only condition of weather permitting. The final installed date was XX/XX/2015. There was no weather delays. The installer stated that his schedulling was first come first serve. Charges began accruing on the credit card begining XX/XX/2015. I asked Lowes to refund only the credit charges due to the failure to meet the terms of the contract and considering the fact that charges accrued on the service even when the service had not been delivered. They did not respond despite multiple calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: I 've sold an item on XXXX and funds were sent to paypaI. I 've tried withdrawing my funds and my account was restricted. I called paypal and they stated they will not release my money until 180 days. My case ID # XXXX. Email address : XXXX I have {$290.00} in my paypal account.They were suppose to release funds after tracking and proof of delivery. I have provided them with all and they still holding my funds till 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Residential Credit Solution ( RCS ), a mortgage servicer, placed forced-placed insurance on my property. I do not have a mortgage or loan with this company ; they have no standing to place any type of insurance on my property. The rule on Force-Placed Hazard Insurance became a final rule effective XXXX XXXX, XXXX ( H.R.4173, the Wall Street reform bill entitled, " Dodd-Frank Wall Street Reform and Consumer Protection Act '' ). Section 1024.37 entitled " Forced-Placed Insurance '' - prohibit a servicer from purchasing force-placed insurance if the escrow account contains insufficient funds to pay for the borrower 's hazard insurance. RCS sent me a letter dated XXXX XXXX, XXXX with a copy of the evidence of insurance stating coverage begins XX/XX/XXXX. None of the forced-placed requirements were followed. Again, I state, RCS has no standing, I have no mortgage or loan with this company. My original lender was XXXX XXXX XXXX XXXX and I have a Release of Lien filed in the XXXX County Clerk 's office dated XXXX XXXX, XXXX. XXXX has caused fraud of title, fraud of credit, and fraud of trespass of title.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (I do not know) with The CBE Group, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company about alleged debt in the amount of {$900.00} this company is reporting on my credit profile on  XXXX / XXXX / 2017 . I have received no correspondence or phone calls prior to this being reported on my credit profile. I have no contract with this company and owe no debt to this company or any affliations. This false information this company is reporting is ruining my credit worithness and I am trying to solve this issue before I am forced to exercise my rights under FCRA if this issue is not resolved and removed off my credit profile.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Convenience checks

Complaint: I have new information for compalaint # XXXX ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ XXXX dollars credit? I had {$12.00} in checking account so i was led to believe this was so??? I sent out XXXX checks to other credit cards to pay them off and they were declined and had to pay XXXX dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My home is currently in the foreclosure process. Wells Fargo sent me an enticement that essentially asks me to make 3 more monthly payments before they will see if I am eligible for any other loan modification. Asking me to make 3 more payments before they will see if I qualify for any other loan modification is unconscionable and predatory.

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 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disconnected my XXXX cable and phone service in XXXX 2015. I paid my last bill which includes prepayment of the next billing cycle. So I never expected to get a call from a collection agency for this account. 3 months later, I got a call from a collection agency that I owe XXXX money. I requested the detail of the amount charged, but the collection agency could n't provide because they only got limited information from XXXX, and XXXX could n't provide because the account is already closed. I was never informed about this charge until the collection agency reported this to credit bureau and called me afterward.

Company response to consumer: Closed with explanation