milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/18 company XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I did not authorize this inquiry I requested information only I received an email I would be contacted I was never contacted to confirm this inquiry. 
I contacted transunion, and informed the above company would have to send a letter of removal, I then called above company and was told they do not give letters. This unauthorized inquiry has now reduced my credit score.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file the was used to verify the BK I disputed and 3 other accounts, being that they have now gone past the 30 days and can not verify this information on my credit report, I understand under Section 611 ( 5 ) ( A ) of the FCRA, they are required by law to provide me with documentation of this information or they must delete all information promptly. They have not sent me proof of how this BK, XXXX/XXXX, XXXX and XXXX XXXX XXXX XXXX was verified that I have disputed many times. I contacted the court to get the information they said they have and could not be obtained. Please help me resolve this matter as soon as possible. As you can see on my current credit report, there is no such date. The information is false and must be removed. 

Transunion 1. Bankrutcy Case Number XXXX 2. XXXX Account Number XXXX 3.  XXXX Account Number XXXX 4. XXXX XXXX XXXX Account Number 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 04/24/2017 about Debt collection (Medical debt) with United Collection Service, Inc (FL) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Th is debt has not been " VALIDATED '' you did n't give me the opportunity to validate before add ing it to my credit reports. YOU ARE I N VIOLATION OF FCRA and FDCPA laws. Its evident that United Collection Service do n't have proper documentation to collect this invalid debt. You do not have access to files allegedly SIGNED by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from United Collection Service. I have the right to request documentation with my physical signature ; as ide ntity theft is at an all time high. I 've sent a complaint to BBB as well as I 'm in  XXXX  with the tactics of this company and how they 're destroying my credit worthiness. Feel free to respond to this complaint with  '' HIPPA RELEASE '' - Medical records and or Documents signed by me. If United Collection Service have a right to collect, they have a duty to produce legitim ate validation. Until I receive documentation requested ; my HIPPA rights are being viola ted. Producing a statement from some medical facility with diagnosis codes, procedures, a date of birth, and address does not validate this debt as mine. Your acts are damaging and disheartening. THIS IS NOT MY DEBT.. However if this can not be fixed within 5 days I have no choice but to file a HIPAA complaint with  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: OCWEN HAS ENGAGED IN CONTINUOUS PREDATORY PRACTICES, intentionally to avoid assisting me/ a borrower, in resolving the toxic, bad loan STILL plaguing me from pre-2008 meltdown/ bad debt. They have EVERY time sabotaged ( I have proof ) the process to avoid ANY RESOLUTION to the toxic loan I am still saddled with. For over 1.5 years I have attempted a conventional refinance, a HARP refinance, a modification, and a short sale among other attempts to resolve. OCWEN BURIES the process and SABOTAGES it : Hiding behind bureaucracy so egregiously that the applications expire, and/or documentation expires, creating the continuous requirement of new documentation and notifications of FURTHER DOCUMENTATION REQUIRED, EVENTUALLY REQUIRING US TO APPLY FROM THE START ALL OVER AGAIN, AND THE SABOTAGE CIRCULARLY CONTINUES AD INFINITUM. 
ALL-ALL-ALL LEADING TO " DECLINING THE APPLICATION '' AND NO RESOLUTION. 
OCWEN IS PREDATORY and blatently avoiding borrowers receive government assistance programs or working on a solution, ANY SOLUTION, to get them out of toxic debt caused by the residual bad loans that caused the 2008 meltdown.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company, Ocwen Loan Servicing, has reported our payment for XXXX 2016 late to all credit bureaus because it was made in on XXXX XXXX, 2016. There where only 29 days in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with DISCOVER BANK (CT).
Issue: Credit line increase/decrease

Complaint: I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I pulled my credit score through my XXXX card ( it was a feature they allow with their online services ). I noticed my credit score dropped XXXX XXXX points from around XXXX to around between XXXX & XXXX. I got worried and pulled my free credit report through XXXX and found out that my HELOC with Bank of America was reporting 60 days past due from XXXX and XXXX. I have always had stellar credit and had a few VERY SMALL medical collections show up through the years is all ( which by the way, medical collectors are notorious for reporting collections to your report immediately and should have to follow the same rules as banks since it is all financially related ). My ex-husband and I divorced back in XXXX of XXXX and I asked for Bank or America over the phone to add my mailing address to the mortgage account as well so I would be notified of any late pays prior to them reporting to my credit report to make sure there was nothing ever reported since my ex-husband was responsible for the monthly payment on this account. Well, I just found out they reported my information to the credit bureau and I was never notified so when I pulled my credit report I was shocked to find 60 days past due on my MORTGAGE! When I contacted Bank of America on XXXX XXXX, XXXX ; I spoke with XXXX, and was told Bank of America 's software can only take XXXX mailing address for them to mail anything to ; therefore, any co-borrower or guarantor or any other party to a loan will never receive notice of late pays. My ex-husband and I do not live together so any mail sent to the primary address will NEVER make it to me ; therefore, I was not properly notified of any late pays and was not notified prior to any adversity reported on my credit report. At this point, I am looking to sell my house, but I will now not qualify for a mortgage loan with a prime rate because there are late pays reported to my credit. Had I been notified, I would have made sure the payments were made on time.

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 02/22/2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis.

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened -  XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX   in hopes that he would get clean. He has been in and out of XXXX  and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This Debt is from the year of 2007, see attach communication that was sent to 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 10/15/2016 about Credit card () with PAYPAL HOLDINGS INC. (GA).
Issue: Billing disputes

Complaint: XXXX is adding XXXX $ XXXX $ late fee after monthly payment has been made. Payment due date is less than 28 days from receiving actual bill XXXX, XXXX. XXXX, XXXX. this has not been consistent since opening. According to Credit Card Act this is illegal and I am owed almost XXXX $ plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX XXXX  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

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 04/18/2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Problems when you are unable to pay

Complaint: I bought a used car from  XXXX  in Nevada and they created a retail installment contract and sold it to or made i t Capital One Auto. I fin d this relationship to be inappropriate at the least, incestuous at the worst and definitely illegal in the state of Nevada.  XXXX  is not a member of any Nevada  State Financial Institution . The contract was between  XXXX  and not Capital One Auto Finance and according to Nevada law a vehicle finance business must be licensed under  XXXX   XXXX  and  XXXX   XXXX . Making the original contract one entered with  XXXX  and not  Capital One Auto  to enforce any repossession as the seller was  XXXX . This incestuous relationship limited me from the appropriate selection of loans as  XXXX  only offered Capital  One Auto option creating wealth for the dealership and Capital One  which is also illegal in Nevada.  Capital One  extended the loan which also changed the original due date but the installment or electronic payment was recently voided without my consent. I specifically said on a recorded line that I did not authorize this change. This brings to the forefront the illegal actions of reporting false information to a financial institution, a federal crime that was repeated twice by  Capital One Auto.  The stipulation of the original contract are no longer enforceable. I am requesting the recording of this false documentation to be played in order to prove the lack of scruples on behalf  of Capital One Auto. T his is all illegal in the state of Nevada and also highly illegal on the federal level. The retailer taking profit from loan, the denial of my request for my loan information during a transaction verification call is against Federal Reserve  Law,   Financial Modernization Act, Equal Credit Opportunity Act and Truth in Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought a house in XXXX XXXX in XXXX. It was my primary residence. I fixed it up and made the payments regularly until about XXXX XXXX at which point I called the bank to see what options were available. I explained that I was unable to make the payments any longer, that my parents were sick and that I had put the house on the market in XXXX and moved to XXXX. I gave them all the information they requested. Since then they have continually bounced me from one representative to another almost like a shell game. They did this until the information was outdated and I had to submit all new information such as my XXXX tax statements, bank statements, recent pay stubs, and an explanation why I was unable to make the payments. They would then tell me via mail that I do n't meet investor guidelines. I talked to HUD and they tell me I do! The bank assigns me another representative and we go through the whole procedure again. By now we are 9 months into this process doing this hide and seek and we start a new year. Now I must submit my XXXX taxes, bank info and an explaination why I cant make the payments. My realtor has been going through all this with me over and over again I think at least XXXX times in the past year, so my realtor tells me this week that this is going to be the last time! Today I get a letter from the bank stating that my mortgage is being transferred to another servicer! This XXXX has been going on now for a year and 8 months!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.

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 11/17/2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (LA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: A woman called me from a XXXX number asking to speak to XXXX XXXX, my mom, when I asked her who was calling and what company she was calling from she declined to answer. So i started recording the phone call through XXXX voice, She then asked to speak to my mom again, i then asked again who she was and what company was she calling from. which she then recognized that the call was being recorded, she then asked my why i was recording the call. I told her because I always record calls from numbers i do n't recognize and have blocked caller Id 's. she then hung up the phone. 

So I XXXX the number XXXX and it resulted in XXXX XXXX. Ill attach a copy of the recording for your review. 

Thanks

Company response to consumer: Closed with explanation