milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Equifax on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Equifax they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was informed that XXXX had changed to Navient around 2010. It was at this time my loans was in default, with both the college and the Federal Government. As a result I was not able to request official transcripts from my XXXX and XXXX schools. 

When I had contacted Navient, to " bring my account up to date '', it was a verbal agreement ... agreement that was not made clear of how much interest would be accrued, nor alternative ways to get my account out of default. However, I was told I was not able to receive financial hardship because I was employed, and now that I have exceeded the verbal agreement, I am now responsible to pay an unreasonable monthly payment later this month. 

I tried explaining how the I paid my own college tuition, and how I worked 3 jobs to actually persist to graduation. I went to XXXX after earning my XXXX and began working in Higher Education. I am now a single parent, working in Higher Education at a XXXX, and am barely making ends meet with the cost of living and child care, let alone attempting pay off a {$93000.00} unpaid principal. 

If I was made aware of other options, I would have taken them into consideration without unknowing agreeing to have to pay so much interest, not the actual loan ( s ) itself, just to bring my account up to date. Please advise! 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Trust Financial LLC (MT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: An individual authorized to speak on behalf of the consumer contacted the company on XX/XX/2017 after discovering their claim against the consumer during a regular check of the consumers bureau credit reports ; the company had never attempted to contact the consumer previously. During that initial contact, formal request was made for validation of the debt. After a month without any further contact, including validation, from the company, complaints were filed in late XX/XX/XXXX with the three major credit bureaus. The company responded to several of those complaints, claiming that the debt was valid. A subsequent claim was filed against the company by the CFPB and responded to by the company, who again alleged the validity of the debt. However, because validation of the debt was requested, the companys reports to the CFPB and to the credit bureaus which allege the debts validity are illegal due to the companys failure to provide validation of the debt. This continued reporting of the unverified debt constitutes hostile and malicious attempts to damage the consumers credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Payday loan () with Payday Loan, LLC (CA) (CA).
Issue: Payment to acct not credited

Complaint: Payday Loan LLC did not credit my payment to my account and now they are reporting it as charged off on my credit report. As a XXXX XXXX who would like to be able to purchase a home, this mark is hurting my credit and my ability to access my XXXX 's benefits. Repaying with a cash payment is apparently a way that they can fraud people! I would not allow {$310.00} to ruin my chances at buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit determination

Complaint: CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Private student loan debt) with Constar Financial Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is the second complaint I 've filed. the company is  Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was  X/XX/2017   . The caller said her name was  XXXX   XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.

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 04/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Customer service / Customer relations

Complaint: We will not stop submitting complaints unti l Capital One p rovides us with a way to resolve this issue. The options they have provided are not options we have.  Savings account s do not have checks or pre printed deposit slips and therefore we can not provide something we do n't have. We keep getting the same response even though we have told them we are unable to provide something that we can not get. They do not give contact numbers and are not providing a way for us to clear the fraud alert off our account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Federal student loan) with Law Offices of Robert A. Schuerger Co., LPA (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XX/XX/2015 XXXX XXXX of the Robert A Schuerger law offices contacted my employer and revealed sensitive data about student loans debt to them. They told them that they have a program to help me pay the debt and " not to worry and that I did not owe any money ''. I received a call from my employer telling me exactly what she said and My employer told me that they did not represent themselves fully as a debt collector and to report them if they turned out to be. I call XXXX XXXX and she told me there are programs that the government has to vacate the judgment against me and that I would qualify since I worked at a " school ''. I do not work at a school, My company has " tech in the name so she assumed that it was like XXXX XXXX. After trying to convince me to sign up for some of these programs for about 5 minutes and me asking for more information like the case number etc. I asked point blank, Is this a debt collection, and she said " No I am trying to do you a favor '' I then asked if she had contacted my place of work in order to contact me about a debt and she said no and that she gave them no details. I asked her how I was aware of all of the details of why she called there if she had not discussed my debt. After several minutes of asking " did you contact my place of business to collect a debt? '' " and is this an attempt to collect a debt? '' she became very angry and said " This is an atempt to collect a debt and all information gathered will be used for that purpose '' and she also added that I was being recorded. I asked if she is required to inform my of the attempt and the recording at the beginning of the conversation or at the end and she would not stop yelling or let me speak and then hung up on me right after I informed her I would be reporting this incident. They have the call on tape and everything I said can be proven. She did not have permission to contact my employer via phone or to record me and not inform me of her motives in making the call in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: Following up on an already disputed issue, one which my last inquiry got no response, I am amazed to find that I somehow have a credit card with Bank of America even though it was not usable after my accounts were closed. I had a small amount of credit and attempted to use it and it declined for the smallest of purchase after correspondence stating closure. I called the bank repeatedly and was hung up on several times and disconnected the other few. I am so tired of having to deal with this, I apologize for blaming this bank for not using due diligence in regards to the information I gave to the teller prior to his cashing of the check. I have documented response that my account ( s ) would be closed, the checking account was. How is it I am supposed to pay a credit card you will not allow me to use? This should have been noted, that in fact only the debit card/checking account was no longer in service. However the credit card is in fact not in service either and yet you expect payments? My name is XXXX XXXX, I 'm tired of getting hung up on and disconnected, I am very hopeful for the banks sake this has not go to collections as at that point I will have to escalate this further. How is it that I am unable to open any account through bank of America and all my accounts were closed, yet this remains. Please enlighten me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Reporting company used your report improperly

Complaint: My  XXXX   XXXX  Account that was  " In Good St anding '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed.    XXXX   XXXX  Credit Card Account #  XXXX  ... Date Opened :  XXXX   XXXX  First Reported :  XXXX   XXXX  Credit Limit : {$7700.00} Payment History : starting  XXXX   XXXX  - current I have contacted  XXXX   XXXX  customer service dept. and also th e Fraud Dept. an d both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by  XXXX   XXXX  to all  XXXX  bureaus to prove this fact.   I recently filed an Identity Theft report that included  XXXX  unrelated  XXXX   XXXX  accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the fi rst 4  digits are the same "  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 11-01-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get calls, which I do n't answer, from this Collection Co on my cell phone and I do not have any debts. We are a home with old folks with XXXX and do not like to be disturbed. We do not owe them anything. Please stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I applied for no credit in XXXX Fl. I have n't been in XXXX and surely did not shop at XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Installment loan) with Quick Click Loans, LLC (CA).
Issue: Managing the loan or lease

Complaint: I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian credit bureau has refused to report my mortgage payment history for several years. I have tried on many occasions to rectify by many phone conversations. Since filing a chapter XXXX bankruptcy in XX/XX/XXXX and having it discharged about XX/XX/XXXX. Missing trade information is greatly reducing my credit score. When XXXX and XXXX reports complete credit profiles. Experian should be investigated and fined, if a violation has occurred. I would like for Experian to report my complete 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 01-10-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with Northeast Recovery Solutions, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: Called me from a number XXXX claiming to be northeast recovery

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent to certified letters over the last 60 days stating to Experian that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the XXXX XXXX Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against Experian for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the XXXX Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

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 12/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have a PayPal credit account. PayPal advertises heavily that they can be used to receive and transfer funds electronically to/from your bank account. They also charge a fee for this service. 

I used my PayPal account to receive an electronic payment of funds from someone for the purchase of an item I sold. PayPal holds these funds in a " wallet balance '' for the user to transfer to their checking account or other bank account they 've setup with PayPal. Rather than holding these funds for me to transfer to my checking account, PayPal will apply any incoming debits authorized by my PayPal credit account to this " wallet balance '', rather than to my PayPal credit balance. I even have my PayPal credit account set as my " preferred method of payment '' according to their site. 

I do not think it 's fair for this company to take funds that I anticipated being transferred to my checking account without my direct consent or knowledge. I used PayPal as a money transfer business and paid them a fee for the funds to be transferred to my checking account. I realize that the debits were transactions that I initiated, but they have now taken it from cash funds that were to be deposited to me. PayPal still expects a full monthly credit payment as well. So these cash funds have now been applied to my credit balance by virtue of covering incoming transactions, rather than applying those transactions to my credit balance as initiated, and they demand a full minimum monthly payment. I think this practice is unfair and misleading. And that user funds should be protected. 

Details of the transaction : XXXX XXXX, XXXX : {$40.00} electronic payment received to my PayPal account from XXXX XXXX. PayPal charged {$1.00} fee for transfer, totaling {$38.00} received to my account. 
Since the above transaction, four credit initiated transactions came in, totaling more than the {$38.00} received. PayPal shows I have {$0.00} in my " wallet '' to transfer to my bank account. 

XXXX XXXX, XXXX : Contacted customer service and explained the above. The representative, continuously laughed at me and joked that I spent the money so I correctly received nothing, and have nothing in my wallet. When I explained that it 's unfair that credit transactions were taken from this balance, she informed me that I had to set my credit account as my preferred method payment. When I told her that I had, looking at it online as we spoke, she told me that it did n't matter. 

I did n't find any of it amusing, and I told her so. Even though this was a small amount of money, I think this practice is unfair. If a credit company that clearly defines themselves as a means of easily transferring money electronically, is actually going to keep the funds and apply it to credit transactions, there should be better communication and safeguards.

Company response to consumer: Closed with explanation