milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has been insufficient in upholding the law. I have been disputing with the company XXXX XXXX since XX/XX/XXXX. <P/>I have requested that the company provide VALIDATION and VERIFY the account. It was NEVER done. <P/>Each dispute the company said " we need more information from the consumer '' ( see attached. ) Each dispute, re started the clock, which is AGAINST the law. <P/>I am attempting to buy a home and get a JOB, w/ a Security Clearance. <P/>Are there NO managers supervisors at Experian that looks personally at accounts and say, " this account was in dispute since XXXX, the company is n't following the law therefore we can not continue to keep this on the consumer 's credit? '' This account should have been REMOVED when the company came back with unverified information. <P/><P/>2ndly, I have two hard inquiries from XXXX and XXXX. I did NOT authorize the XXXX inquiry. <P/>I was told to put the block on my account to prevent more unauthorized inquires. NONETHELESS, I call reps and they REFUSE to remove an unauthorized inquiry. <P/>The XXXX XX/XX/XXXX and the XXXX inquiry should be removed. <P/>The other unverified, invalidated item on my report is from XXXX. the company did not Follow LAW. I was not told of this account or allowed to dispute it. <P/>Experian has my dispute, the companies apology and has still NOT removed. the account. <P/>I called Experian to tell them that there was an inaccurate payment history on my XXXX XXXX account. It showed 90 days past due XX/XX/XXXX. This was untrue because I was in forbearance. <P/>Attached is my payment history prior to my phone call to Experian and after my phone call to Experian. the 90 day late, with the history I sent was corrected ; however my credit history was removed. <P/>update my credit history.

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 08/25/2016 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2016 when my VA Loan Modification was implemented and Approved First Continental /XXXX has n't updated my XXXX, XXXX and XXXX Credit report .My New VA Mortgage monthly payments of {$1700.00} is not been reported to all XXXX Credit Reporting Agencies .Why? 
I am respectfully making my VA Mortgage payments on time and I like to receive credit and my credit scores to be elevated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Payday loan () with Monterey Financial Services LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed XXXX with Transunion yet they continue to " verify '' that the information is correct. I have disputed the company one time already with CFPB yet they did not reply so I 'm wondering how could Transunion get verification if CFPB could not. This company in question is a payday loan and in my state of NC I have found that they are illegal. So I am requesting the steps of verification that Transunion took and I am requesting that the company provide proof that there is a contract and that the contract is legal since I have found that payday loans are illegal in the state of North Carolina.

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 01/26/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Payoff process

Complaint: On XXXX XXXX, 2015 my bank sent out a check to Old Navy and paid the entire balance of {$1300.00}. The statement was sent from my bank and showed the check number, date cleared, etc ( it cleared on XX/XX/XXXX ). Since the beginning of XXXX, I 've been desperately trying to get this resolved! I 've been given the runaround by both Old Navy AND Sychrony Bank. It had even gone as far as them giving me phone numbers and fax numbers that do n't exist. I have tried faxing my bank statement showing the payment made over XXXX times and have called about XXXX times. Now, I 'm receiving a letter through mail that they are charging me late fees and sending me to collections for non-payment. Please help me! I 'm losing sleep over this because I do n't want my credit to be ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Contacted Equifax regarding an unauthorized inquiry. They asked for me to contact the company and speak with them. The company sends me a letter stating it is unauthorized and they will contact the credit bureau 's to have the inquiry removed. Submitted the letter from the compnay to Equifax multiple times and they have yet to remove this inquiry. I also asked for them to forward whatever proof they have to show this was in fact an authorized inquiry and they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (SD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I received an email from a co-worker yesterday stating an automated call came to her for a XXXX XXXX XXXX. That is my maiden name. My colleague 's email to me is below : " Does you maiden name happen to be XXXX? I had an automated call today asking if I was XXXX XXXX XXXX press 1, if I need to get her press 2,  if I wanted to leave a message 3 and not her press 4. 
On my phone it looks like the number is XXXX Convergent Res ( no area code is showing up though ) ''. 

I happen to google the company name and found out that it is a debit collection scam. First off, why are they calling a colleague? I have never heard of this company nor do I have any unpaid debit. I am in the process of re-financing my home mortgages and this does not look good.

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 04-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (CA).
Issue: Incorrect information on your report

Complaint: XXXX is reporting a HELOC incorrectly and outside of the 7-year statute of limitations from the XX/XX/2009 letter they sent me which is attached.

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 02-07-2018 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: Reporting company used your report improperly

Complaint: Grocery store franchises used my documents as retailers stores products as food products frauding scams using XXXX XXXX products and containers and advertising and post data terminals receipts and SKU number and stock number XXXX scams using hidden XXXX XXXX dressing company XXXX   groceries stores XXXXXXXX XXXX groceries stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX grocery stores XXXX groceries stores XXXX groceries stores XXXX XXXX   groceries stores XXXX XXXXXXXX XXXX franchises XXXX XXXX franchises XXXX XXXX   franchises XXXXXXXX XXXX  franchises XXXX 's resterants franchises XXXX 's resterant franchises XXXX XXXX Dinners thru out the XXXX XXXX XXXX resterant stops diner menus

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.

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 07-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: I used Paypal to send money to an international seller of an item I won via auction. The seller asked me to use the family and friends option to avoid them having to pay any fees. I did n't see an issue with this as this seller has celebrity clients. I would think with that kind of backing I would n't have to worry about being scammed. The auction I won was pricey so they did allow me to split the payment into 2 different transaction. I even paid a week earlier than I expected to be able to pay. Everything seems ok. They provided a tracking number but for a week it did n't work. They said first it would take 48 to post. Then they said they would check into it. Then they said it was siting in customs and would be resent. I even gave them my phone number to contact me if they had any issues. All of a sudden the messages stopped and I realized I was blocked. I have screenshots of our conversations. I tried to dispute the claim on Paypal but since I sent via family or friends its not disputable. I now know why they requested me to send payment that way. So then I tried to submit a dispute for the currency exchange and they declined it. I 'm very upset as I 've been a verified Paypal user for years with no claims ever filed against me. I just want a refund for the money I paid. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have been charged repeatedly by a company whose services I cancelled many months ago. I filed a claim with Bank of America, and mailed the required form within the specified timeframe. Bank of America claims that they did not receive my form and are debiting my account the funds fraudulently taken from me. 

I have spent hours on hold and am unable to speak to anyone. My calls are not returned. No one responds to messages or emails. The local banking center said there is nothing they would do to address this. 

Money was stolen from me and Bank of America have done nothing to address this.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Settlement process and costs

Complaint: I started a loan application with Capital One on XXXX16. 
Turned in all required and requested paperwork within the first 5 days. 
Capital One has assigned me a closing date of XXXX16, then canceled with no prior notice to all/any party involved. Capital One assigned another closing date for XXXX16, then canceled with no prior notice to all/any party involved. 
I 'm going to lose this opportunity to purchase this property due to Capital One neglect. 
The seller has been very patient, now I 'm out of time to try and seek a mortgage from another source. I have paid monies to Capital One. 
I need and deserve a response from Capital One, I need them to follow through with my loan before I lose this property.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried several times to repay these loans but we can not reach a fair payment that the lender will agree on. I have XXXX small children and can not afford a $ XXXX/monthly payment.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Refusing to delete account info from my credit report. XXXX has willingly deleted all the info from my report and notified XXXX credit agencies. Equifax has not and would not delete the information. I have disputed twice with them already. The only thing that they do is they " verify that the information is correct ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called Transunion and gave them all of the companies above with inquiry dates which are listed above. I asked Transunion to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. Transunion was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. 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 10/15/2017 about Student loan (Federal student loan servicing) with Quick Debt Services LLC (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I sent this company {$790.00} on XX/XX/XXXX. They promised to consolidate my student loans and after ten ( 10 ) years, I was told that I would have my loans forgiven altogether, as a teacher. I was quoted an initial monthly payment of {$170.00}, with insistence that this was the best program for me, participating in their financial-based loan-assistance program. Therefore, I had to lock in that rate and insisted up my credit card information. The next day XX/XX/XXXX, I tried calling to talk to my Enrollment Counselor, XXXX XXXX, to cancel, and could not contact him via e-mail or phone -- and it was that way for over a week. What I want is my money back. The main part of the contract is that they were supposed to submit my application. I was told Thursday XX/XX/XXXX that my application would not be submitted until XXXX ; but when I told them that I was going to work with XXXX directly and no longer wanted to work with their company, I was told they submitted my application that day. Their stories constantly change. For example, my payment went from {$170.00} to {$420.00} at one point. Yes, it 's income based -- but when one is unemployed and has no income, that appeared excessive. In addition, I have asked for a refund at least three different times -- there is no documentation of my ever asking for a refund on their end -- and I even talked to XXXX, the manager. When I talked to her this Thursday the XXXX, she told me that the Department of Education 's program was not as good as theirs and I was a fool to leave their company. Please help me get my refund.

Company response to consumer: Untimely response
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: Received an offer from American Express to pay my cable bill. In return for paying my XXXX bill with my American Express Card, I would get a XXXX percent credit. I enrolled in the program on XX/XX/XXXX and received a credit on my XXXX and XXXX AMEX bills. My XXXX bill did not have the credit. I called American Express to find out why and was referred to the original offer ( attached ), which says " OFFER ENDS XX/XX/XXXX ''. The " offer '' was to sign up for the XXXX % savings. The average person would interpret " OFFER ENDS XX/XX/XXXX '' to mean that they had until XXXX to sign up for the offer. American Express told me that meant the XXXX % discount ended on XX/XX/XXXX! Using AMEX 's interpretation, the offer was deceptive. I would not have bothered to sign up for it if the savings were for only two months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I was trying to refinance and i had submitted all the information and paid the appraisal and he said was aapproved and three months later he wanted a letter from the employer saying the reason why she was on medical I sent him the doctors form and also the form from the state but he wanted the employer to send that but the employer said that it was confidencial information. And he said I did not qualified because of that letter from the employer and because of the foreclosure which I had told him at application. Three months he said i did not qualified because of that .hI told him that I needed a letter of explanation he said he was going to send me one he never did said

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I settled a charge off with American Express. Amex agrees the account is settled and properly indicates the settlement in its report to XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and XX/XX/XXXX correctly indicates the account will go positive in XX/XX/XXXX. <P/>However, AMEX has inaccurately reported a brand new derogatory payment history which begins in XX/XX/XXXX and results in re-aging my account. This results in a lower credit score. I have attached an excerpt from my XX/XX/XXXX consumer report dated XX/XX/XXXX. <P/>Re-aging of accounts is a violation of the FCRA and damages my credit. I have attempted to resolve this using the dispute process with XX/XX/XXXX. The result of the investigation was NO correction to this issue. Having exhausted the dispute process, I am hoping the CFPB can assist in resolution.

Company response to consumer: Closed with explanation