milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After reviewing my credit report in detail XX/XX/2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over XXXX letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 


Accounts in question are : XXXX ( over 7 years ) XXXX ( i believe we first became late of 7 yrs ago ) XXXX ( i was first late over 7 years..? i think this is a duplicate ) XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 03/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company and asked them to validate this debt and to send me the original contract from when this account was first started, they in return sent me someones bill saying the debt has been verified! Verified by who? I do not know because I am still waiting on the contract with my signature that I originally asked for. Under the fair credit reporting act I have a right to see the contract of anything that I allegedly owe. Several times I have sent the same letter to the company, with the first date being back in XX/XX/XXXX and I still have not received what I requested. As a bill from someone ( not me ) is not validation. I dont know who opened this account but it was not me

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.

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 04-12-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: APR or interest rate

Complaint: I suffered a work-related injury in XXXX and am now permanently XXXX. My income has dropped substantially in the past 5 years and I am now on a low fixed income. On XXXX separate occasions from XXXX to XXXX I had zero income and had to use my Sams Club card to purchase food, thus running up debt out of necessity. I am currently in the process of attempting to pay down my Sams Club ( Synchrony Bank ) card, and stopped using the card some time ago. I have always made at least minimum payments and have never missed a payment. Despite this, my interest rate has been unilaterally raised three times in the past two years, and is now at 23.15 %. I called a Sams Club account rep today to file a complaint over the phone, because I am never going to be able to pay down this card when I am paying almost {$50.00} a month in interest and can only afford to pay the minimum payment + {$4.00} or {$5.00} dollars. They would not work with me, which I expected. In my opinion, Synchrony Bank is taking unfair advantage of recent interest rate hikes to gouge customers, especially those who are financially unable to make substantial monthly payments on their accounts. Therefore I am contacting the CFPB to file a complaint through which I might receive some relief.

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 01/23/2018 about Debt collection (Other debt) with Mirand Response Systems, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get repeated telephone calls regarding a debt that is several years old, I included all of my debts in a Bankruptcy during 2016. I have no idea why these Reps are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).

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 02-11-2016 about Debt collection (Medical) with State Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is related to a previous complaint I forwarded to you on XXXX/XXXX/XXXX under Case Number XXXX, XXXX & XXXX. The same collection agency, State Collection and XXXX XXXX XXXX are now sending me, collection notices for services I received from XXXX XXXX on XXXX/XXXX/XXXX. I paid the amount my insurance did not pay in the amount of {$76.00} on XXXX XXXX, XXXX in the amount of {$390.00} which included the amount I owed for my mastectomy at the same hospital on XXXX XXXX, XXXX. This check cleared XXXX XXXX XXXX on XXXX XXXX, XXXX. The check is made payable to XXXX XXXX for services rendered on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. A copy of the cleared check was sent to XXXX XXXX on XXXX XXXX, XXXX and a copy was later sent to State Collection Agency, so there is no reason they should be harassing me over these charges. This is only a continued harassment over the charges I have proven we do not owe on my husband via my previous notices to you. The physical and mental toll of this harassment is taking it 's toll on me and my husband and I feel they are completely out of line and that their actions are punitive. I have notified them repeatedly that I am charging them for the time I have had to invest in responding to these unowed charges and my time charges alone are currently at {$720.00}. This does not include processing fees as well as punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Settlement process and costs

Complaint: In their response to complaint XXXX, Springleaf Financial made several statements which I proved to be false with documentation from XXXX Mortgage. 
I signed statements with every complaint that all information I am giving is true, and I believe that it is a criminal offense to knowingly give false information. 
Springleaf gave false information regarding to speaking with XXXX XXXX about the status of my loan with XXXX XXXX XXXX stated in writing, which I submitted to the CFPB, that they had NO communication with Springleaf. ). Springleaf had to know this information was false when they responded. 
There are other instances ( how payoff was obtained ; faxed to MY attaention at Springleaf 's fax number, etc ) which also call many legalities into question, but the first instance is already documented.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
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 tried settling this particular debt with  Portfolio Recovery an d they said that they were n't willing to settle.     In later years, once the debt was past the statue of limitations, I disputed the debt with the  XXXX  major reporting bureaus an d Portfolio refus ed to remove it from my credit report.     This debt is tarnishing my history and preventing me from obtaining affordable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON MY EXPERIAN CREDIT REPORT.

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 08/25/2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I used to have a savings account with Capital One Bank. I received an email from a person named, XXXX XXXX in XXXX 2014, who had checks in my name in the amount of $ XXXX.and {$3800.00}. I deposited the two checks in my savings account, withdrawn some money and took the money to XXXX XXXX to help other people in need in the XXXX. I was blind too not know XXXX XXXX was a scammer and swindled me for my money. I got a call from a Fraud Investigator, XXXX XXXX of Capital One Bank about my savings account. XXXX XXXX informed me that my account was frozen, since the scammer took all of my money out of my account. I asked XXXX XXXX if he will get my money back. XXXX XXXX replied, that he will try to get my money back. I provided XXXX XXXX, the necessary information pertaining to my savings account with Capital One Bank. Capital One Bank wanted me to pay out fees not covered from my savings account. As of date, XXXX XXXX, Frauds Investigator has not contacted me with an outcome in regards to my money. I would like to know the Fraud Investigator, XXXX XXXX never got in touch with me in three years. This is unethical of XXXX XXXX and not professional.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (CT).
Issue: Application, originator, mortgage broker

Complaint: I was trying to buy a distressed house in XXXX CT using FHA XXXX loan. My lender was AnnieMac, seller XXXX Mortgage represented via XXXX Real Estate 's agent XXXX. Due to excessive scrutiny imposed by the lender I was unable to find a contractor to work on the house in due time and informed about it the lender on XX/XX/XXXX ( 23 days before proposed closing date ). The loan process should have stopped at this point, however the lender essentially forced me to continue by ordering an appraisal and XXXX consultant inspection, {$450.00} and {$500.00} respectively. Eventually we have received a bid from a contractor but it was too late, there was not enough time for underwriting. The seller refused to grant extension, but then asked for $ XXXX!!! fee for delay. My attorney advised me to execute finance contingency to avoid loosing my earnest deposit ( {$1000.00} ). 
As a result of this I was unable to buy a house and lost {$1900.00} in fees ( inspections, appraisal, attorney ). I 'm currently also unable to return my earnest deposit, even though my attorney made every effort for this. 
The lender business practices are completely unacceptable and appear as predatory lending tactics, and led me to major losses. 
Same applies to the seller of the house, which is also a mortgage company - they asked for atrocious fees for extension of closing date and now refuse to return my earnest deposit without even stating any reason. 
The seller 's agent does not return calls, and does not respond to emails. 
Please help to bring the justice here, I have done nothing wrong, yet lost substantial amount of money with no hope on recovery. 

Thanks, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 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: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.

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 03/25/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Credit determination

Complaint: I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XXXX LATE REPORTING IS ON XXXX XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: In XXXX, I received a letter from Mr. Cooper aka Nationstar in the mail stating that I would need to show prove of insurance. I did called and uploaded the prove to them. In XXXX, I received another letter and I did call them again and they state that did not received. I did uploaded and called them back and they did confirmed that it was received and it will be removed in 10 days. I received an overdraft on XX/XX/XXXX and nothing was fixed. I called their escrow company XX/XX/XXXX and they said they will have to send their insurance company another message to clear so it can be reversed. XX/XX/XXXX, I called them again to check if it is resolve since my online account does not reflect any credit. The representative said they're still waiting for escrow to reverse it. I called back XX/XX/XXXX and nothing was done yet.

Company response to consumer: Closed with explanation