milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several complaints with the reporting practices of Trans Union. First, regarding XXXX XXXX # XXXX, I have notified all of the bureau 's that the creditor has agreed to delete this account. Trans union has not taken note and has not statused this account since XXXX. This account has also been deleted from the other reporting agencies. As of XXXX/XXXX/XXXX I have issued a FINAL DEMAND for this to be removed. This has already been deleted from my other credit reports. XXXX Consumer Financial Protection Bureau case XXXX. Second, regarding XXXX # XXXX, I was notified by my credit union that this creditor was authorized by Trans Union to be placed on my credit report as of XXXX/XXXX/XXXX. This account is remarked as " & gt ; CHAPTER XXXX BANKRUPTCY & lt ; ; CLOSED BY CREDIT GRANTOR ; CLOSED ''. This is in fact true, and should not be reporting because my Chapter XXXX bankruptcy was discharged in XXXX XXXX. All reference was removed from my credit report in XXXX XXXX. Now I am being plagued by this and it is reporting negatively. Third, regarding XXXX # XXXX which is remarked as DISPUTE ACCT/CLSED BY CONSUMR ; & gt ; PAID IN FULL/WAS A CHARGE OFF & lt ;. In XXXX XXXX I purchased a home and transferred my cable/internet/phone package from my apartment to the new house. I began to receive billing discrepancies from XXXX and after sending them a copy of my bank statement to verify that I truly paid the statement they sent to my home an investigation was conducted where they reported to me that tenant at my previous resident set up service and this installation was applied to my name ; my payment was being mis-applied to the previous addresses account. In order to remedy the issue XXXX adjusted my account correctly and stated that the I would need a totally different account number. Prior to this occurring I was never in bad standing and through the process was never reported as late/delinquent. Please observe page XXXX of bill date XXXX/XXXX/XXXX where it shows my current address, then skip to page XXXX of bill date XXXX/XXXX/XXXX that was sent 18 days later with my previous address, last turn to page XXXX of XXXX of that same bill and view adjustments where it explicitly reads " Transfer from Account XXXX to Account XXXX. Therefor this account is not a CHARGE OFF. I have contacted Trans Union as recent as XXXX and they have not considered my explanation nor offered to review my supporting documents. All of these methods of reporting are weighing on my score as my Trans Union score is approximately XXXX lower than the other agencies.

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 01/26/2017 about Bank account or service (Other bank product/service) with Xerox State & Local Solutions, Inc. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2017, I noticed several unauthorize transactions on my eppicard card that was issued to me through child support in XXXX. I immediately called eppicard customer service while the transactions were pending and asked them to stop the transaction because they were not mine. 
I was told by the rude and angry customer service rep that there was nothing they can do about those transactions, I would have to let them go through and call back in three days. The next day I notice that the transactions had gone through so I call back and spoke to a customer service supervisor who basically told me there was they could do that I had to file a fraud complaint and maybe I would get my money back in 90 days, based on the decision. 
After getting this disturbing answer, I tried to look for the Eppicard Card Corporate Office and found out they really do n't have one. In addition, there are XXXX similar complaints on the Consumer Affairs website, complaints filed with the Better Business Bureau, here and many other agency and websites and nothing has been done to rectify this. 

Please help! All I want is my money back!

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 12-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with American First Finance, Inc. (AR).
Issue: Charged fees or interest you didn't expect

Complaint: I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. 
.

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've disputed this information numerous times beginning in   XXXX  . Experian informed me that unless I provide them with additional relevant information they wo n't re investigate my dispute. I asked them for the method of verification but NEVER got it. All I got was a letter stating they wo n't reinvestigate unless I gave them more relevant information which is a violation of the law.

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 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: XXXX XXXX is deliberately reporting erroneously information on my credit report. Payment due XXXX/XXXX/2016 with a 7-day extension to XXXX XXXX, 2016. XXXX XXXX reported on XXXX XXXX, 2016 that consumer was 30-days late. I have disputed this information with Transunion, and the investigation states the information was verified. XXXX is deliberately lying. How can a bill be 30-days late on XXXX XXXX, 2016 when it was due XXXX XXXX, 2016?

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 10/17/2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2016 Planet Home Lending XXXX XXXX ( PHL ) aggressively pursued us to refinance our home ; we were not interested in a refi nor did we need to. PHL still pursued us. We finally opted to refi with PHL as they are our current home lender bought by our recent home purchase transaction. Our loan payoff amount at the time PHL contacted us in XXXX 2016 was approx. $ XXXX with a home valuation of $ XXXX that they made us pay {$500.00} up front in XXXX 2016 for an appraisal report. We responded with a roll-into amount of appx. $ XXXX that included student loands and XXXX credit cards. PHL responded with a 3.5 % APR for 30 yr fx. and that our closing costs would be apx. {$3500.00}. We accepted. We immediately complied with all submittal requirements to lock in that rate. We did not hear back from PHL for more than 3 weeks until WE pursued persistently for status updates. Once we finally made contact, we were told that the rate was never locked in but they would give us a new rate at 3.625. We were bounced back and fourth between several people who claimed to be managers ; none of whom returned our emails or phone calls. ( XXXX XXXX NMLS : XXXX XXXX, XXXX XXXX t : XXXX, XXXX XXXX ( the claimed Manager XXXXXXXXXXXX XXXX ). We have an extensive email trail of us trying to get answers and are happy to forward them all to you for validation! More than 3 months worth! 

It is now XXXX and all the rates and closing costs we were originally advised have since been changed. AND we are now told that our closing costs are more than {$11000.00}!! What? 

We have been violated, disregarded and ignored for over 3 months! Our credit report has been accessed ; we overpaid on 3 months of interest on our mortgage, credit cards and student loans and are now out {$500.00} for a home appraisal due to PHL 's incompetency! Our lives have literally been put on hold!

Company response to consumer: Closed
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with MLD MORTGAGE INC (NJ).
Issue: Credit decision / Underwriting

Complaint: I applied for a {$120000.00} fixed rate 15y mortgage with XXXX % down with The Money Store on XX/XX/XXXX. We spoke about closing XXXX/XXXX/15 but did not since the commitment was issued XX/XX/XXXX. I submitted all documents requested XXXX/XXXX/15. The contracted closing date was XXXX/XXXX/15, which they also now missed. Since submitting all my requested documents on XX/XX/XXXX, The Money Store has continued to delay the closing requesting unreasonable documents, not originally requested. Each time I submit documents, they come back with yet another request. For example, there are beneficiaries listed on my bank accounts and The Money Store demanded that I obtain a letter from the bank stating my beneficiaries can not withdraw any money from the account. Once I submitted that bank letter, then they asked that my beneficiaries sign something to the same effect. Another example is The Money Store requesting me to contact the title company I sent a wire to requesting the copy of the cashed check for the money I gave to my mother to pay the balance due on the purchase of her home XX/XX/XXXX! I have perfect credit with no debt and an annual salary of over {$100000.00}. I have plenty of cash in my Money Market account to cover the XXXX % of the purchase and to cover all closing costs, yet The Money Store continues to make these unreasonable requests delaying our closing and pushing us back beyond the contracted closing date. What rights do I have in NJ regarding this issue? The sellers of the house are looking into their legal rights since I have violated the contracted closing date due to The Money Store. I have requested an extended closing date and have yet to hear back from the sellers. The Money Store has had some management changes. I wonder if they are hoping I move onto another lender due to the benefits I reminded them about - {$1000.00} back at closing, no application fees, no commitment fees, no lender fees. Their commitment letter to me listed the fees, which is when I reminded them of the benefits listed on their own website! The loan officer said he was not aware of them and said after checking with his supervisor, it was determined I would receive those benefits at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My normal interest only mortgage payments for XX/XX/XXXX and XX/XX/XXXX were sent via mail on XXXX XXXX, 2015 and XXXX XXXX, 2015. Both payments were stamped on XXXX XXXX, 2015. I received a letter dated XXXX XXXX, 2015 that says they are returning the checks because they can not apply the payments. No other explanation was provided. I sent an email on XXXX XXXX, 2015 to a Bayview representative which serves as a formal QWR. The email was read on XXXX XXXX, 2015. To date I have received no response nor explanation for my payments being returned along with other issues concerning the servicing of my mortgage. My XX/XX/XXXX payment was mailed on XXXX XXXX, 2015 and they have not processed nor returned that payment. I am sending the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments today. 
Bayview has neglected to answer any of my inquiries and I would like an explanation and correction to the accounting of my loan. Bayview continues to report derogatory information to the credit bureaus while I am current on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a XXXX XXXX credit card a few times with all 3 credit bureau and all 3 claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: Lienholder wo n't release vehicle title. 
Lienholder : Toyota Financial Phone : XXXX Acct # XXXX XX/XX/XXXX Vehicle discharged with bankruptcy chapter XXXX ( case # XXXX ) XX/XX/XXXX Toyota Financial states title was sent to attorney. ( It was mailed to his old address. Lawyer states all of my creditors were notified of the chanprge XX/XX/XXXX. 
XX/XX/XXXX : Representative XXXX promises to mail me a lien release document to complete and present to the XXXX to get a duplicate title. 
XX/XX/XXXX : Form not received. According to XXXX the form request was denied by XXXX, who states the attorney must give verbal authorization. I 'm told by XXXX that XXXX does not have a direct line for my attorney to. XXXX had no comment when I asked why authorization was needed now when it was n't initially? But she did tell me he could fax them his authorization to XXXX ( XXXX ) Attorney : XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: XXXX XXXX, XXXX To whom it may concern, My name XXXX XXXX, I bought a cognac collection bottle from XXXX XXXX. After I received pictures from her I agreed to purchase it in what I was led to believe was in good conditions. I sent payment on XXXX XXXX, XXXX ( I am dispute in these amount {$340.00}, {$620.00} & {$1600.00} payment to XXXX ). The first shipping bottles was sent on XXXX XXXX, XXXX and I received the XXXX package after 3 long weeks of waiting which I finally received by mail service on XXXX XXXX, XXXX ( if she was sent by XXXX or XXXX I can received package early and less damage because package was lay around and less handle careful .... ), after I opened the package I smelled a scent of liquor which turns out was leaking from the bottle along with a label was stain with damage. At which point I decided to take pictures of it, I sent a notice to her and told her I would like to return it. It is apparent and obvious that the bottle was leaking prior her selling it to me. I tried to communicate with her to return it or credit me for damaged bottle. But she stated and told me old stuff may leak or stain ... that is normal for old stuff ... but I told her ... not for me and I do not buy damage goods. I just want return it! I have done some research to try and return it by XXXX or XXXX to send back to her. But liquid goods that leak are not permitted to send back, if the carrier smell or see something leaking they will destroy on site. It is a waste of my time and money, I received another package on XXXX XXXX, XXXX after 6 weeks and I did not open up because I knew should it be damaged due to the postal service, I would be stuck with yet another leaky bottle ( cheap shipping package lay around so long and not handling careful ... return with receipt from XXXX XXXX XXXX ). 
I was advice from my credit card ( Capital One Master Card ) return Items to the seller ( and I had receipt I was sent back ) I did not get credit back to my credit and I also sent all back up pictures and dowload the document to credit card link on XXXX XXXX, XXXX and fax on XXXX XXXX, XXXX and now my credit charge back to my credit card ... even I was return stuff back to seller & credit card I had insurance to protection to buy I tried to get second pinion/ appraisal for the bottle that was damage but I can not find any companies around in XXXX County , Virginia to do so. I even went as far as to going to pawn shop to ask for a second opinion. Which I had no success for various reasons and them thinking it was some kind of law enforcement operation or sting ( in Virginia only XXXX stores are allowed to sell hard liquor ). I will also be discussing with my credit card company. I can bring the goods to your office to see. ( Capital One headquarters is in XXXX XXXX not too far from my house ). Please let me know of any ideas I can use to pursue to this dispute. 
Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Money was not available when promised

Complaint: I have my international westernunion account with whom I do my business all over the world. 
The account was valid because I created it in XXXX with all the vouchers and I used it. 
But for 6 months the account has been on hold since I arrived in XXXX where I had vehicles and other goods in the port. 
They asked me for XXXX and I sent them but they answered me a first time to be patient and I have it. 
Still having no news of them I left for XXXX or I have big stock of XXXX. 
Arrived in the XXXX XXXX they ask me for documents with a certificate of residence and I have also provided them. 
They send me an e-mail that I had to go and make on-site transfers to their branch in the country. 
But in the clauses it was not agreed and in addition why did they ask me for proofs in these XXXX countries knowing that in the end they will tell me to go to their local agency of these countries? 
At the moment I am out of liquidity and they tell me again to call them or I used to call them and we had a long discussion and they reassured me that the account will be active in the shortest possible time. 
But up to this day still nothing and my goods are still stored in the countries ports where I incur taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Billing disputes

Complaint: I sent money through money gram XXXX to XXXX XXXXon XX/XX/2015. I already attempted to reach out to the credit card company XXXX to get a refund and I have n't had any luck. The XXXX was intended for another company and now my this is affecting my credit.

Company response to consumer: Closed with monetary relief