milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have called Discover three times to get this straightened out. I called and agreed to pay {$26.00} and they would waive the late fee. I did it. via phone pay. They did not waive the late fee. I got another bill for {$26.00} late fee. I called. They said the would waive it. I got another bill with two late fees. They keep charging me a late fee. The account should have been zeroed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BROKER SOLUTIONS, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I had called on XXXX/XXXX/XXXX to get a payoff amount, I spoke with the new American Funding representative that stated I had a payment due. I explained to her my situation that Im going through a tough and stressful divorce that I wouldnt be able to make it. But that on XXXX/XXXX/XXXX New American Funding would be receiving full payoff. I had to sell my home due to the divorce. After being done with the conversation I understood I would be ok because XXXX XXXX XXXX would be receiving their funds in 5 Days. But now I am trying to get approved for a new home loan and can not get it because I had a misunderstanding and new American Funding report a late payment to my credit. I have never had an issue with them the whole 3 and a half years I was with them. I spoke with he XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX didnt get much help from him. I called back in the morning XXXX/XXXX/XXXX XXXX my time ( Texas ) and had to tell the whole thing all over to a representative in home retention ( XXXX ) She took the  message and said the manager above XXXX was in a meeting but would give me a call later in the day. I never got a call back. I called again and spoke with another home retention representative which couldnt or wouldnt get me to a manager. She just kept saying well new American Funding would not remove something from he credit. All I wanted was some help to fix this misunderstanding that happened because of their communication. And got nothing in return but a no we cant or we wont do that, even after receiving full payout this morning ( XXXX/XXXX/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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A check of my credit report shows a {$70.00} collection from Credit Collection Services ( CCS ). On XXXX2017 I telephoned CCS to find out about it and it turns out that the original bill was XXXX XXXX on a policy that XXXX mistakenly auto-renewed after I had cancelled. This never should have billed in the first place.
Let me state clearly that I have never been notified of any debt owed or collection action by CCS. It was obvious that they did not have a telephone number nor an accurate address on file for me. This is clearly a case where I was not notified at any time prior to the negative item being placed on my credit.
I explained this to CCS and since the amount is so small, I suggested that even though I do not owe this money, I was willing to pay the {$70.00} if CCS provided me a letter stating that they would remove the negative item from my credit report upon full payment.
Even though I explicitly stated my willingness to pay a debt that I do not owe in order to get the negative item off my credit report, CCS was unwilling to discuss resolution. Even after requesting a supervisor, all they were interested in doing was obtaining my current address and phone number. I let them know that if they were unwilling to resolve the issue I would be filing complaints against them.
Due to their unwillingness to resolve an obviously clear mistake on their part, I now must go through the re-validation process ( this will take weeks or months ).
I explained that this negative item on my credit report is in error and requested that CCS validate the claim and remove the negative item from my credit report.
I request that they validate the debt is in error and immediately remove the negative item on my credit report. I was never notified of this collection issue. This is their account # XXXX on my credit in the amount of {$70.00}. It is my intention to file a complaint with the Attorney General of the State of Florida, the BBB as well as the actions afforded me under the FDCPA and FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a secure message on XXXX XXXX, XXXX to my auto loan financial institution CHASE AUTO to remove the false note that my financed car was AFFECTED BY ANY NATURAL OR DECLARED DISASTER because I was not affected in any natural or declared disaster. 

I received a response from CHASE AUTO on XXXX XXXX, XXXX saying that they submitted a request to their Research Department and within seven business days they were to send me an update in writing. 

I have yet to receive any further communication, electronic or written, from CHASE AUTO about this false claim on my XXXX credit report. 

Where I reside, XXXX, TX, was not affected by any natural or declared disaster. I do not want any issues with my credit report when I have to go refinance my house soon. CHASE AUTO is at fault and needs to remove this false statement from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently check my Transunion report and it shows an unauthorized Credit Inquiry made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 

While checking my personal credit report, which I acquired from [ Transunion ] noticed an inquiry made by the company on XX/XX/2017 I did not authorized anyone employed by the company to make an inquiry and view my credit report. it have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 30 ) business daysso that I can verify its validity

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 11/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I requested that a complete record of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program from my current loan servicing company, FedLoan Servicing in XX/XX/XXXX. I received a document initially stating that XXXX XXXX had records of 42 eligible payments out of the 120 required payments, which I believed to be inaccurate. XXXX XXXX conducted an audit, including reviewing records from my previous loan servicers. XXXX XXXX concluded that none of the payments I made from XX/XX/XXXX through XX/XX/XXXX were considered qualifying repayments because I was on the " Consolidation Standard '' repayment schedule ( and my loans were serviced by other companies ). It was not until I switched to the IBR -- and over to XXXX XXXX as my loan servicing company -- that XXXX counted my payments towards the PSLF repayment schedule. I was also informed that my repayments were not qualifying under PSLF because I was on the " Consolidation Standard '' repayment schedule and not the " Permanent Standard '' repayment plan -- of which I did not realize there was any distinction at the time I switched my loans over to participate in the PSLF program. 

When PSLF was first announced, I immediately took steps to participate in a Direct Loan Program repayment plan and moved my loan servicer from a private, non-profit company to one that was affiliated with the Department of Education. The information I reviewed, and the companies that serviced my loan at the time ( XXXX XXXX XXXX and then XXXX, which are no longer in existence ), confirmed that my repayment plan was one which would go towards PSLF because I was on a " Standard Plan. '' I was led to believe that my payments either satisfied the repayment criteria as a " Standard Repayment Plan with a 10-year repayment period '' OR " Any other Direct Loan Program repayment plan, but only payments that are at least equal to the monthly payment amount that would have been required under the Standard Repayment Plan with a 10-year repayment period may be counted toward the required 120 payments. '' This was further underscored when I was eventually placed on the " IBR Plan '' and my monthly payment amounts decreased. I also timely submitted my public service employer certification information when I first began participating in PSLF and was never informed until XX/XX/XXXX that my initial payments under the Consolidation Standard plan do not qualify as eligible repayments under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Struggling to pay mortgage

Complaint: The modification makes the amount due more than the value of my home. If I died ( I 'm XXXX ), and the home was sold tomorrow my estate would be liable for the balance on the loan ( XXXX ) and the balloon payment of XXXX, XXXX. At the time I fell behind I had about 25,000 in equity principal balance was around 57,000, in the new modification, I would be underwater.

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 09/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I have applied for American Express XXXX card in XXXX of this year. There was an attached bonus of XXXX Membership rewards points after spending {$3000.00} in 3 months. I fulfilled the requirements and did n't break any rules. In XXXX I converted it to Amex XXXX card, with lower annual fee. 
There was no stipulation to keep Amex Platinum open for a certain amount of time. Unfortunately, American Express took my bonus XXXX points anyway. When I called them, they said they felt like I 've abused the program ( their words ). 
When I contacted them to convert the card, at no point did the representative let me know that I 'm risking my points. In fact, he told me that I will keep my points. 
I did n't violate any rules, and there was nothing in the contract to prevent me from converting the card. They also charged me an annual fee of {$450.00} upfront, though they did refund me a portion of it. Still, I paid several hundred dollars and got nothing to show for it. I hope you can help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX, and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my credit score is suffering as a result. No notice was ever given which is also a violation. I am requesting that All inquiries be removed. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry 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 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I notified all 3 bureau I was never late They never responded. I contacted XXXX XXXX they said I was never late.

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 11/18/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: On an XXXX flight, the stewardess passed out pamphlets for an XXXX credit card. I took the application and asked about an annual fee. She said there was no annual fee the first year. The first time I used the card they billed me a {$59.00} annual fee. I called " Bank Of America '' and explained I was told the first year the fee was to be waived. Bank of America said they were " sorry for the misunderstanding '' but the fee stays.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I check my credit report wee kly. Caine and Weiner just appeared on  XXXX ,  XXXX ,   XXXX   as a collection account associated  with  XXXX  in the amount of {$390.00}. I NEVER recieved a letter, call or any correspondence stating that I owed this amount to  XXXX . In fact, never heard from  XXXX  that I owed this amount. We are or were now, about to close on our dream home and now because of this financial injury and defa mation Caine and Weiner caused by their illegal practices we lost our families dream home ( we have  XXXX  boys ). They violated my rights. I would of been more than happy to pay this if i in fact owed it. I was never given a chance to   research or pay it. This is a straight violation of FDCP and I will exercise my rights and sue for such damages they have caused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (ND).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Citi ThankYou Preferred Card, and I think the way they apply my minimum payments is completely unfair. 

I have two different balances/amounts on this card, the first being approx. {$630.00} which is at 12.99 interest currently, when the 0 % promotional rate for this amount expired on XX/XX/XXXX. 

Now, the second ( newer ) balance is approx. {$3400.00}, from when I accepted a 0 % promotional balance transfer offer a few months ago. 

The problem is that when I submit my minimum payments to this card issuer, instead of applying the payment to the older balance ( the {$630.00} ) which has an interest rate of 12.99, they are applying basically the full amount to the {$3400.00} ( the newer one at 0 % ), so I 'm essentially stuck with the inability to pay off the part of my balance that is subject to interest. Unless I just get rid of ( transfer off ) the whole thing, which I would really rather not do, since I 'm getting 0 % on most of it.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pa ss the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FORA - they are required to  " ... promptly delete all information which can not be varified. '' That I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: Freedom mortgage bought my loan in the middle of a home insurance claim from XXXX XXXX. I was not notified of the change as required by law and was never contacted.

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