milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted XXXX and Transunion via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.

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 07/25/2016 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans are in default and require rehab. I contacted my creditor, Coast Professional, in hopes to make arrangement to start the rehab process. Over the phone I was originally quoted a payment amount of {$80.00}. This conversation included everything about my financial situation. After submitting my paperwork the payment amount I was later quoted was {$250.00} which was waaaaay out of my ability to pay. I offered to make the max payment amount I could of {$100.00} and they would not accept it under the rehab program. Told me that I could make the payment but it would not change how they reported to the credit bureau and I would still be at risk for treasury offset. I explained to them that I live in XXXX XXXX and the cost of living is VERY high, plus I am a single mother of XXXX with no additional financial help and have some children in daycare. They patiently listened but offered not additional options. I am fully aware that I have created this situation for myself but I want to make it right and I want to be given the opportunity to do so. I do n't know where else to turn. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing statement

Complaint: AMERICAN EXPRESS SHOWED THE CARD AS A LATE PAYMENT WHEN INFACT THERE WAS NOT A LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband bought a land lot in XXXX using a Bank of America home equity line of credit for {$82000.00} - in his name only - against our home, which is in both of our names, as a 2nd mortgage. For the next 10 years, he paid only interest payments. He died in XXXX of XXXX. The very next month after his death, the payments on the HELOC only went from {$340.00} / mo. to {$780.00} / mo. I tried to talk to BOA about refinancing the loan, but they would not because it was in his name only. I have submitted to BOA his death certificate and legal letters testamentary. These had no effect. I tried to go through XXXX, but Bank of America would not agree to be the secondary loan, because my name is not on the HELOC. But, I AM required to make the monthly payments on time. Since my name is on the original home mortgage ( with XXXX ), I have to pay. Also, they still take automatic deductions for a savings account that was in his name only, but will not let me access it. XXXX Mortgage worked for months trying to get BOA to agree to be the secondary loan, but I only spoke on the phone about this matter to my loan officers. There are no papers to attach regarding this. I have attached all relative papers I have.

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 (Other personal consumer report) with STERLING INFOSYSTEMS INC (IN).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On XXXX/XXXX/17 I applied for a job working with XXXX. The company ran a Confidential Background Screening report on me. Within the next few days they told me that based on the information they received from Sterling Talent Solutions, they could not invite me to work for their company.
I did receive a copy of the report and it does state that the length of my XXXX XXXX was 46 Years, not 46 Months like it should. This is a huge mistake and I would like to know where they received their information from because I spoke with the Attorney Generals Office and they recommended that I write to your company to fix this information because in all their reports it states 46 Months, not years.

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.

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 01/18/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On XX/XX/XXXX I entered into a credit consultation agreement with XXXX XXXX XXXX XXXX XXXX, credit consultant manager and Credit Repair Today promising to improve my credit worthiness which I later found out My credit rating was a fico score of XXXX. I was later contacted by a XXXX XXXX XXXX on XX/XX/XXXX stating that I qualified for a special offer and brand-new vehicle. At the time I was XXXX years old and very naive. I unfortunately entered into retail installment contract with Toyota Motor Credit on XX/XX/XXXX. According to Toyota Motor Credit, I still owe {$8500.00} to date which is outrageous to say the least. This account has been open for 6 years and 2 months and I am still submitting monthly payments of {$450.00}. XXXX on a XXXX XXXX XXXX under a % 17 interest rate and {$4.00} per diem. I believe that the amount owed is incorrect and that I have satisfied this account. I have paid {$31000.00} as of XX/XX/XXXX to Toyota Motor Credit.This company has been unfair in their practices with me as a consumer. I have been a victim of non-disclosures and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I fail behind on our mortage payments, we asked for a modification on our loan and have been going no where every since. They 've been saying this paper wasn, t complete or this was n't submitted on time, just as if at was a complete run around. So we have been rejected on so many a times we turned to a third party agency to help us move the process along, thinking that the agency had more experience then us they could move thing a long at the very lest show us what we where doing wrong. After putting together a new package to submit on our behalf the professionals were rejected saying paper work was not in on time after two to three days, not stating it should be in the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX XXXX 2015 I found out that MEDICAL DATA SYSTEMS was reporting negative information on my Credit Report and on XXXX XXXX I sent a letter toMEDICAL DATA SYSTEMSDBA/ MEDICAL REVENUE SERVICEXXXX XXXX XXXX XXXX , FL XXXXDisputing this information Informing them that this account was being Disputed under USC 1692g Sec. 809 ( b ) they received my first Letter on XXXX XXXX 2015 ( usps.com - Tracking Number : XXXX ) I Received a Response Letter dated XX/XX/2015in this letter they claim they can not locate the account with the information that I provided in my first letter which is the same information they are reporting to the credit bureaus. 
I sent them a second letter on XXXX XXXX 2015 which they received on XXXX XXXX 2015 ( usps.com : Tracking Number : XXXX ) informing them that they were in violation of USC 1692g it has now been more than 30 days which federal law requires for a collection agency to validate an account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: They will not assist me in retrieving my loan payment history since the loan was created or the original promissory note. They will not lower the interest rate of 13.75 % or negotiate payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I requested a payment deferral in XXXX via phone call with Chase Auto Finance and during the call they had stated they would contact me if it was not approved. I had requested a payment deferral of 2 months. I check my account online and am not provided with paper statements. On my online account, the account did not appear to be past due during the time since I submitted this request. I have not received any communication from Chase Auto Finance stating that my payment deferral request was denied. 

This morning, Chase repossessed my car without notice. They do not have the correct phone number for me in this account, and have stated that my correct phone number is listed as on a do not contact number. My Chase Bank account does appear to have the correct phone number listed for me. I have received no communication from Chase that my account was in a past due status. 

I have requested to resolve the account issue by bringing the account current. They have stated that I need to pay the loan balance in full. I am also being required to pay repossession and storage fees of approximately {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Customer service / Customer relations

Complaint: XXXX XXXX. XXXX was informed of suspected fraud re my Capital One XXXX ( Visa Signature ) card. When fraud was confirmed, my card was deactivated and I was told its replacement was being sent " XXXX-Day Priority ( USPS ). 
XXXX XXXX. still no card even tho ' UISPS tracking site said " delivered '' ( to the wrong end XXXX! ). 
XXXX XXXX, no card. I called Cap. One and info 'd them re USPS " delivered ''. Their representative assured me it WOULD arrive " tomorrow or Friday at the latest ''. 
XXXX XXXX, no card. I spoke w/ a supervisor who was befuddled and connected me w/ his superior. She said the card was lost, they had canceled it and that they would send me ANOTHER ( XXXX ) card via USPS XXXX-Day Priority. 
IF I get the card this time, it will have been at least eleven days. 
Already some of my credit card auto-pay companies have been denied payment and my previously " excellent '' credit rating is in decline ( a VERY big issue since even XXXX ca n't get credit reports corrected and numbers restored ). Additionally, I can not do business online and I must carry large sums of cash to cover the daily expenses that had been covered by my Cap.One card. 
" What 's in YOUR wallet? '' the ads ask ; " NOTHING! '' is my reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Recently we applied for a mortgage with Veteran United Home Mortgage. We used our Certificate of eligibility with the VA and this was my first time utilizing it. We were told that 70 percent of their mortgage were kept in-house. We already have one mortgage with XXXX XXXX on another house and have been very dissatified. But for Veterans who are XXXX to be thrown to a company with a history of fraud and abuse is very unfair. 
Once we closed we learned that our mortgage had been sold to XXXX XXXX. The company with so much negativity. We wanted to know how fair is it for XXXX Veterans go through a lender who is supposed to be working for Veterans and then have their mortgages sold to one of them worst banks in recent history. Even while there is still so much recent negativity : Articles Below : XXXX XXXX, You Can Run But You Ca n't Hide : A Homeowner 's Testimony Tue, XXXX/XXXX/XXXX - by XXXX XXXX - See more at XXXX Suit alleges banks and mortgage companies cheated veterans and U.S. taxpayers XXXX Did Banks Cheat Vets Out of Millions? 

XXXX Published on : XXXX XXXX, XXXX XXXX XXXX Accused of Defrauding Veterans by Charging Excessive Loan Fees XXXX XXXX XXXX scam latest in a string of infractions 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 09-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: The Honorable to CPFB : I write filling out of extremely dual complants of unfit XXXX resident report to XXXX. XXXX & Speaker XXXX XXXX address along with Chase Bank addresses XXXX XXXX XXXX and XXXX XXXX in XXXX of horrible dishonored address of XXXX XXXX XXXX as they rejected me of a reward {$300.00} in recorded notice as I felt discomforted with Chase Bank. I complained with XXXX assigned me XXXX was past customer so a past customer signed up Chase account as I received a message from Chase Online Identification Code XXXX Enter online at prompt or in password filed at logon. Tell XXXX changes my mobile number at immediate action as local XXXX staff ca n't trust me as they refused to change different number due of unfitted XXXX resident notification to XXXX. Senators at formal requests. I felt dishonored by Chase Bank which they turned me down Bank application through online as went to local XXXX Bank that most male staffs acted in rudeness as do not interest in my ugliest appearance why I walked in Chase Bank in last month of XXXX 2015 as they made me in dishonored message so I left Chase Bank looks more unfriend society. I can not alone in Chase Bank telling XXXX Male Attorney, as they laughed at me in looking isolation as they may not like me to be around and in Chase Bank situation in XXXXXXXX and XXXX XXXX. Most of male officials at Chase Bank in XXXX XXXX and XXXX XXXX, and XXXX Bank in XXXX XXXX avoided and unfriend society and do not allow meeting me helping as they gave me full of extreme dishonored messages. They made unwelcomed me in Chase Bank at XXXX XXXX on XXXX XXXX and XXXX XXXX last month of XXXX 2015 as extremely avoided me in ugliest appearance as they do ignored strongly as most employees in bad aggressive against XXXX XXXX XXXX. I am victimized harmed from Chase Bank officials in rudeness against XXXX XXXX XXXX notifies to XXXX. Senators and Speaker XXXX XXXX in XXXX XXXX forward responses to XXXX Elected Officials allowing report to appoint to XXXX Male Attorney why reported to XXXX. XXXX XXXX XXXX in your following up report responses in enforcement law seriousness matters what I was harmed not appreciated with Chase Bank turned me away from them!

Company response to consumer: Closed
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Citizens bank is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Credit Karma, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: it shows i applied for many credit cards which i did n't.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NV).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I have no idea what this company is, if they are a debt collection I have gotten no notification by mail about anything. They are called diversified consultants. I get repetitive phone calls every morning at  XXXX ,  XXXX  mon to sat for weeks. I 've told them to stop calling me. They constantly still call. Usually you get contacted by mail if you do n't answer. Nope, nothing. I 've blocked there numbers because they have a few they have all called me from a  XXXX   XXXX , mi number and I 've blocked them all and they still get threw and call me at  XXXX   XXXX  mon to sat and some sundays. It 's harassment. For weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other fee

Complaint: I called to cancel my credit card account and the issuer ( Capital One XXXX ) refuses to refund the unused portion of my annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief