milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan of {$1000.00}. I was advised of {$250.00} in finance charges- I was not aware of the finance charge being charged repeatedly and not applied to the loan. I have now paid {$500.00} and my loan balance is still {$1200.00}. I am not able to see the terms of the loan on the website for verification, I am not able to see the repayment schedule, I have XXXX information, beyond " early payoffs are not penalized! ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (VA mortgage) with LENDER LIVE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I purchased a car for about {$14000.00} almost 4 years ago.I gave XXXX down payment and I 've made my payments of {$380.00} each month, sometimes more and three years later my balance is still {$14000.00}. When I try to ask questions I can barely understand them and they said it is because I made a few late payments. I need file a suit against them. Does anyone know what steps I can take against them. Is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received an email updating informing me that some collections which were previously removed from my Trans Union credit report were added back which dropped my score tremendously. I never received any type of written or email notification from them stating that they were going to add these items back to my report and know that they should have send me some type of notification within 5 days informing me of why any changes were incurred. All of these items were previously removed from my credit. When they added the items back to my report, they added them as charge offs which was not the case. Everything that was previously removed was a closed collection. I 'm not sure why they added this information back to my credit report or why it was reported incorrectly. When I called and spoke with customer service, I was informed that this was an error due to XXXX app but that was not who alerted me of these negative changes to my report. This information was displayed on my credit wise credit monitoring app.

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 11/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: My identity was stolen on XX/XX/XXXX, and the bank was notified about the issue. On XX/XX/XXXX, my stolen ID was used to access my bank account information through a Chase Bank drive thru to deposit a fraudulent check and withdraw thousands of dollars out of my account at XXXX separate chase banks within 20-30 minutes apart with no action taken or alerts on my accounts. Subsequently, my account was withdrawn when the fraudulent checks bounced back and my account indefinitely frozen. Despite three police reports to include an auto break-in, identify theft, and a 3rd police report to share that my stolen ID was found by the police, I have yet to receive my FDIC insured money. It 's currently going into 32 business days. The bank investigator has not even reviewed my case due to an overwhelming volume of investigations. I would like to have an estimated time frame on when my assets will be unfrozen and my stolen funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was a victim of a Fraud/Scam attack. I was contacted by a company called XXXX XXXX. They claimed to be able to offer me a loan, and asked me to do some questionable things, resulting in me losing {$990.00}. My bank is unwilling to refund my monies to me. I am a single mother, with one income. I am in need of this money to pay for rent, groceries, fuel to get to work, diapers, and daycare. People make mistakes. I have learned a valuable lesson from this, but for such a large corporation, the bank should be more than able to recompense my funds to me. I have spoken to a banker in a branch, sent an email to the corporate office, and also filed a claim with the fraud department, and repeatedly been told I am out of luck. I am disgusted with the lack of concern over the loss of my monies. I understand I made a mistake putting my financial information out, but considering the magnitude of this company, I do n't see any reason why my stolen funds should be reimbursed to my account. I have filed a police report, contacted the FTC, the MN Department of Commerce and the FBI on this matter also. I feel unappreciated, tossed aside and poorly treated as a financial consumer who was taken advantage of. After following all of these channels, the bank is still unwilling to reimburse the money.

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 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XX/XX/XXXX 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 XXXX XXXX will not remove from my credit account where they have responded that it should be removed. I have documents/response that they sent, and sent to CFPB in response to my complaint before. XXXX and XXXX  has removed it from my credit report, but Experian has not. I have resubmitted to have removed from Experian, and it was not removed, again. They sent me a mortgage of someone elses, with a letter that clearly states what they should have done, but did not.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed a joint chapter  7  bankruptcy on  XXXX   XXXX ,   XXXX   with my spouse. That bankruptcy was discharged on  XXXX   XXXX  of   XXXX  . My credit report with   XXXX   is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted   XXXX   and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since  XXXX  of this year, I have spoken to at least  8 dif ferent reps. Toda y (   XXXX   XXXX  ) after my husband viewed his report, it showed that  Lexis Nexis  was the vendor that was reporting this information to  XXXX . I talked to  XXXX  with lexis nexis today (  XXXX   XXXX   )  at  XXXX  CT. She told me that they were the public record vendor for    XXXX  .  She also told me that lexis nexis is reporting  MY  bankruptcy information to   XXXX  , but   XXXX   is not obligated to report any information about my bankruptcy on my credit report. She directed me to call  XXXX . So I called  XXXX  again today and spoke to  XXXX  at  XXXX   XXXX   XXXX  told  me  it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked  XXXX  if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as  discharged  in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On or about the first week of XXXX I apply for a refi-mortgage with Wells Fargo bank they asked for {$510.00} for the appraisal. On XXXX XXXX after watching the negative news about Wells Fargo I decided to cancel the loan process via text and email. The loan XXXX who was handling my case pleaded not to, but at the end I requested not to proceed with the loan and the appraisal. 
On XXXX XXXX I received a {$510.00} charge on my XXXX credit card, I reply to XXXX loan XXXX and she said they will credit my account, and that there was no appraisal done.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to XXXX until we dismissed the bankruptcy in XXXX or XXXX XXXX. XXXX is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

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 07-07-2015 about Debt collection (I do not know) with FMS Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FMS, Inc keeps wrting to me regarding an alleged debt to XXXX of {$200.00} for a XXXX credit card. I have never had a XXXX credit card. I called XXXX and they verified that I do not and never did have an account. I have explained to FMS that their information is incorrect but they do not listen and keep harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I had this loan since XXXX, it 's been 15 years paying. Me and my consigner have made a substantial amount of payments and the loan is still at XXXX. I think the payment was not applied right. My original loan was with XXXX XXXX which was a variable loan original amount borrowed was {$8100.00}. It 's no way that only XXXX dollars has been applied towards the principal after 15 years. My consigner has recently filed bankruptcy in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have medical insurance with XXXX.I have excellent credit numbers.This is the first I have heard of this bill and it 's from XX/XX/2016.Not very fair.I have never even seen a paper bill from this.I had my medical bills from XXXX.It was XXXX I need paper verification as to why I owe this bill from Thomas Agency .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I logged in directly at their website to dispute an account on the XX/XX/XXXX last month. The account in question is an XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that they " verified '' that this account belongs to me. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: Experian has been reporting a bankruptcy on my credit report for quite some time. I have sent them correct information with requests to validate and verify with the US Bankruptcy Court of XXXX  Illinois and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 & 623 of the FCRA. Experian 's response was a claim  that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the Bankruptcy court requesting to see this information that Experian claims to have verified. The Bankruptcy court sent a letter stating that they DO NOT perform ANY activities with the credit bureaus. I sent that letter to Experian explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 ) the information they are  reporting must be deleted. I called Experian on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a gentleman named XXXX from Arkansas on XX/XX/17.  XXXX was informative. He claims that Experian verified the information ; although, company policy could not let them share the alleged verification due to company policies. He stated that the info was viewed from a website but could not comment nor verify to the accuracy nor the source of the alleged website, which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ). I have notarized documents that  Child Support Enforcement has in their possession, which shows they have reported inaccurate information. So I am very confused how Experian can certify and still report this inaccurate information. 

I have been attempting to resolve this matter with Experian through mail, phone calls and various documentation and have not had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 have submitted information to Trans Union several times regarding an inaccurate account on my credit profile. XXXX ( XXXX XXXX ). I have submitted request to validate on XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information from the ORIGINAL CREDITOR, they must remove the said information from the consumer credit file. '' I have made several attempts to TransUnion regarding this matter and they respond by verified. I have asked for clarification on how its " VERIFIED '' they need to VALIDATE it! and how it can be verified when this account is not mine, nor could they send me any clarification on whom, what department they spoke with reagrding this matter. Please help me get this resolved with TransUnion

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account open with XXXX XXXX that was the victim of ATM fraud because something like that takes a long time to investigate and although it was decided in my favor the account was in the interim closed as a negative by mistake with XXXX XXXX  and reported to ChexSystems. When I notified ChexSystems about the fraud they referred me back to see our a management as a wider of that data and not XXXX XXXX  and that I believe is the loophole that they lean on to continue to report in accurate information and not to be in violation with the CFPB or the FCR it act. It is a direct violation of our rights as consumers and should be corrected and the firms fined and sanctioned. What good is the FCRA law of You can simply pass it on to a company with a PO Box and claim they are getting the information from them. That in itself is a violation since they are not getting the information back from the actual source.

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 11-06-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Rewards

Complaint: I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.

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