milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XX/XX/XXXX.One of the disputed items is Bankruptcy : Discharged XXXX ref # XXXXwhich according to the court has been dismissed last XX/XX/XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XX/XX/XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (VA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The dept collector, Credence, used my daughters cell number to contact us. Did not give correct return phone number. Caller was very abrupt and did not respond to my questions.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   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 ,  XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX   XXXX  XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX . XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX  XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX    XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   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 . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with  XXXX , Experian, and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to  XXXX ,  XXXX , and Experian. In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to  XXXX  and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted  XXXX  and  XXXX  in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by  XXXX  and  XXXX  I wish that  XXXX  and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 07/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: since my son started the XXXX XXXX XXXX, we been paying private loans for him, we still are paying and they are current thru XXXX. We also had loans thru Sallie MAe, this loans were been paid automatically, apparently Sallie mae and XXXX were no longer together ot they merge together and they stop taking the auto payments for Sallie MAe. 
Only XXXX is been paid, we never got a letter/statement and the reason we didn't notice they stop taking the money is because the payments for XXXX  went up. Now we come to find out since 2016 that we are in a collection agency and that agency is not willing to let us make payments, they want the full amount which we don't have. we have always paid his loans on time. please help! sallie mae is the worst company to deal with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXXXXXX on XXXX/XXXX/2017 obtained a copy of my credit report without my consent

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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: all XXXX credit reporting bureaus are reporting wrong dates opened and wrong balances on my credit report. They are refusing to remove past collections, and unauthorized inquires. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with SCA Collections, Inc. (ND).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Services has committed fraudulent acts against XXXX XXXX XXXX XXXX and her son, XXXX XXXX XXXX. Their house payment has never been late, now SPS has sent their payment back and rejected the payment. They say she has taken bankruptcy when she has not ever filed for bankruptcy. They have been threatening to forclose for the past 7 years. They also sent a letter asking them to take {$10000.00} and relocate or be forclosed upon. SPS says there is a lien on the house and property, but it is confidential and they refuse to let XXXX XXXX know who has a lien on her property. When XXXX XXXX went to refinance through her regular bank, the banker called SPS for a payoff amount. SPS refused to give a payoff amount. XXXX XXXX has also found out that she has XXXX acct numbers when she should only have XXXX. XXXX XXXX is a XXXX yr old lady and her son, XXXX is 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.

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 06/22/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a bi weekly mortgage payment with quicken loans which began XXXX XXXX 2016 when I went on line to check to see that the payment was applied I noticed that as of XXXX/XXXX/2016 they had put the payment into suspense. When I inquired about it they told me that the payment would be applied on XXXX XXXX, 2016. I believe this is against the law as the payment should be applied effective to the date received. My call was forwarded to a XXXX XXXX at the executive office who initially informed me that this was disclosed to me, I said it was not, she subsequently rescinded that statement. I ask that the CFPB begin a regulatory inquiry into this matter, if people are paying on a bi weekly basis there payments should be applied that way.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Bank account or service (Checking account) with FIRST HAWAIIAN, INC. (HI).
Issue: Deposits and withdrawals

Complaint: I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.

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 12/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinanced my home in XXXX XXXX to remove my XXXX husband 's name from my property after the divorce was final in XXXX XXXX. 

I was told by Wells Fargo that I had to hire a third party appraiser, XXXX, out of my pocket, {$550.00}, which I really did n't have that amount to spend at that time, but checked with my realtor first to make sure that my house would appraise for 80 % of my current loan amount which has been paid down the past 2 years. Since I was reassured by my realtor that my home would appraise and meet the 80 % LTV ratio, I went for it - and was denied. 

I was then told I need to come up with upgraded receipts to equal the amount of {$15000.00} in upgrades. I confirmed with the woman I was speaking to about these receipts and was told that I could use receipts for all upgrades from when I originally purchased my home in XXXX, prepare a detailed spreadsheet of dates, consumer name, product, and price, and detailed letter of why I want my PMI removed. For the record, I 've never been delinquent on any mortgage payment or any other payment. 

Today, XXXX XXXX, XXXX, I was denied-denied. Wells Fargo will not use the XXXX XXXX appraisal because they will be using the XXXX XXXX appraisal which is less since my property value has increased. Furthermore, I can not use any upgrades to my home if they were completed before my XXXX XXXX refinance. Just getting out of a divorce which took me 20 months to get out of divorce debt, how could a single woman making a minimal salary pay {$15000.00} in upgrades? So all the upgrades to my property do n't matter? 

I contacted XXXX, the actual appraiser, and he knew that I was doing this appraisal to remove my PMI only and he could not understand why Wells Fargo refused to use the most current appraisal which is what they should have done because what they are doing does not make sense, I.e., using a 2-yeaXXXX old appraisal. It 's just unrealistic. 

I spoke with my case worker who will remain unnamed at this time @ Wells Fargo Home Mortgage and demanded a refund of {$550.00} since they had no intention of using this appraisal when they had every intention of using the 2-year old appraisal, which makes no sense at all!

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I.have some hard inquiries on my credit report I have no knowledge of, contacted Transunion to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX ( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX DBA XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX   XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX   XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXX  XX/XX/XXXX ( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX  XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) 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 04/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: Someone in XXXX used my account on Western Union to send XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Medical) with General Business Recoveries, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation