milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I filed an complaint about XXXX XXXX about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent out 11 letters attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on XX/XX/XXXX thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the 2 false addresses that I never lived at. I 'm not sure what address and phone number XXXX XXXX has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed

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 10-10-2017 about Mortgage (Conventional home mortgage) with Southwest Business Corporation (TX).
Issue: Trouble during payment process

Complaint: I get paid twice a month. I paid my mortgage two months ahead and then began sending 1/2 of my monthly mortgage in every time I got paid. My Mortgage company will not post the partial payment until a full payment is received. This practice allows my money to benefit them and does not effectively reduce the principal and subsequently lower the interest I have to pay. Their practice also does not allow me to pay my loan off sooner than 30 years, due to their posting practice. I called and asked why and was told if I would sign up for Budget drafting I would benefit and my payments would be posted upon receipt. I mistakenly believed the auto drafted payments would be posted upon receipt but they are again waiting for a full payment to be received before they post it even though I am ahead of my scheduled due date by several months. 

My Bank is not allowed to do this so why is a mortgage company allowed to? This is unfair and to me and ( in my opinion ) is deceptive. I called again today ( XX/XX/2017 ) to see if I could remedy the posting issue and was told they were allowed to post it that way because I had signed up for budget billing. I told them the ONLY reason I signed up was because they told me that I HAD to if I wanted my payments posted upon receipt. This is a very bad practice and it is deceptive. The payment history also shows " payment applied '' however the payment is placed in my " syspense account '' until the next auto debit is taken ... this is misleading and a false statement. I am a single, mature ( XXXX ), XXXX female and wonder if a man would be treated the same way? They dismiss my concerns as unimportant and still wo n't give me the courtsey of a return call on the process and acknowledge that by holding my payment and not applying it when received cost me additional interest.

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 01/31/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: US Bank has not honored its XXXX XXXX XXXX contract and not posted the XXXX points promised after the spend was met. It is nearing 6 months since the points should have posted, and multiple phone calls have yielded a whole host of excuses as to why the points were not honored, including glitches, confusion over XXXX XXXX XXXX, and even a bug where statements were n't generated ( all untrue ). The most recent phonecall was the most brazen attempt of avoiding fault, with representative XXXX ( id XXXX ) went so far as to demand additional spend on the car beyond the XXXX XXXX XXXX in order for the points to post.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The statute of limitation in NY State for reporting Derogatory information is 6 years as per the NY State Constitution. TRANSUNION has refused to remove this particular out of date information described below. The XXXX XXXX account shown below XXXX XXXX Collection Account OPEN XXXX/XXXX/2010 {$2600.00} This must be removed ASAP as they are 5 months behind in their legal obligations 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 07/22/2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: We financed a car with Tidewater XXXX XXXX in XXXX XXXX and did well with payments until we hit a financial wall. We then went through their fresh start to remove any past due payments and start over with making on time payments. Our car was repossessed by Tidewater XXXX XXXX in XXXX XXXX three days AFTER we made the agreed upon payment and setup our next arrangements. It was sold within 2 weeks. We offered on many occasions to work out a payment plan but due to lack of employment the amount was significant enough for them to agree to anything. We applied for a mortgage and discovered a judgement on our credit report from Tidewater XXXX XXXX through XXXX County and them filing a lawsuit against us. We were never served any documents and unable to respond to anything in court. The first paper we received was from their attorney that they tried to serve us and were unsuccessful. The paperwork states that someone knocked and no one would answer despite noise inside ( this is false ). The paperwork also states that someone answered the door and said they were our roommate ( again, false. We have never had a roommate and know no one fitting the description that they mentioned ). I did n't hear or receive anything from them until I received paperwork saying that a judgement had been entered by XXXX County Court. Along with the judgement, Tidewater has not charged off the account and still reports monthly to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am through naviant and they refused to let me make lowere payments or payments I could afford. They finally put me in a forbearance but they said that would be best since I could n't pay XXXX a month. I now owe XXXX or more in school for 2 years because of fees and interest. I went to XXXX university. They have messed my credit up I ca n't get higher then XXXX. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (CA).
Issue: Received a loan you didn't apply for

Complaint: I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.

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 05-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted a dispute with all XXXX credit bureaus numerous times and there are still items that have been paid and are duplicates reflecting on the credit reports. Further, I have provided information to the credit bureaus and the companies that verified that I paid the accounts. These specific accounts are still showing active, with a balance and a monthly payment. The specific accounts are- XXXX XXXX XXXX ( XXXX XXXX , XXXX XXXX and XXXX ) and XXXX. Further, some of these accounts have been reported on my credit report since XX/XX/XXXX and XX/XX/XXXX-approximately 11 years. I have contacted all XXXX credit bureaus ( TransUnion, XXXX and XXXX ) and they refuse to remove the accounts each time and now they are reflecting duplication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Other

Complaint: My daughter received a pre-approved letter for an American Express card. She was approved for a card. I never signed for a card nor ever was issued a card. Prior to XXXX I use to have an American Express card but filed bankruptcy which included American Express in XXXX and all my debts at that time including the American Express were covered in that debt. My daughter missed her payments and went into default and American Express in their attempts to collect a debt that does not belong to me erroneously added it to my credit report. If you look at my credit report you will see that in over 22 years I have not as much made a late payment, ever. Always paid on time and never have been late. I have called numerous times to have this resolved and they have done nothing but give me the runaround. They are even reporting that this account was opened in XXXX which the credit bureaus are aware of now and we are in the process of collecting all data if further action is needed as we have protections under the FDCPA which they have continuously violated. I have sent XXXX letters registered mail to American Express to no avail asking that this information not only is validated with my signature which they can not do because I never signed for anything and this account does not belong to me. My daughter even contacted them to no avail stating that this is her account and does not belong to me to no avail. Which means they continued on XXXX separate occasions to continue to violate the FDCPA which in turn means that they leave me open to Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) and so much more. 
I simply want this inaccurate information removed from all XXXX of my credit reports as they not only have refused to provide me with a correct validation of signature. Looking on a computer screen and seeing a summary of a debt owed does not constitute a legal debt especially in light that this is not my debt and no signature can be provided legally binding me to this erronious account that they continue reporting in error. One look at my credit bureau reports and you will see that I am correct and that this had damaged my credit in a severe way as I have not even had a single derogatory remark, negative item and have had a perfect pay history on time always in over two decades +. American Express has been negligent in following the laws that are in place to protect all of us consumers especially when you fall victim to a credit company such as theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Previous complaint # filed in XX/XX/XXXX for same issue this month # XXXX. 
Once again, SLS has " lost '' the electronic monthly payment sent directly from XXXX XXXX XXXX ( my bank ), charged me a late fee, and insisted that I make double payments ( for last month and this month ) while they " research '' the lost payment. 
Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. On XXXX/XXXX/16, I received my XX/XX/XXXX statement stating SLS did not receive a XXXX payment that was due XXXX/XXXX/16. I called and spoke with XXXX and XXXX on XXXX/XXXX/16.. They both told me payment was never received. They told me I had to submit the proof of payment. I obtained a proof of payment from XXXX XXXX bank showing the money was deposited electronically delivered to SLS on XXXX was also told I had to submit a FULL bank statement with nothing crossed. There is information on that statement that has nothing to do with my loan payment such as my salary, other payments I have made etc. That is none of their business. Because of an error made by SLS, SLS is invading my privacy and taking up my time and money ( gas to go to my bank, printer ink, paper, postage stamps, envelopes ) to resolve an error they made. I have spent HOURS on the phone trying to get this resolved. The proof of payment shows they received their money. It was sent electronically, so it is very obvious SLS applied the payment incorrectly. I should not be required to submit a full bank statement showing personal information that they would not be privy to if they had not made this error. I was also told that I was charged a late fee for the XX/XX/XXXX payment and will be charged another late fee for XX/XX/XXXX. To keep " losing '' electronic payments each month, telling the person they must pay the past month and current month ( double pay ), and charge them late fees is FRAUD.

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 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was checking my credit report on XXXX/XXXX/XXXX and noticed that there are over XXXX inquiries on my credit report that I did not authorize nor ask for. I have filed a police report three weeks ago, have a fraud alert on all XXXX of the credit bureaus and have called Experian several times, last being on or around XXXX XXXX, XXXX to dispute these inquiries. I was first treated very rudely by the person on the phone when I was asked to be transferred to the Dispute Department in a US call center. I was told that they do not do that and I have to tell them what I needed. After about trying 7 times I finally got transferred to another person who was not with the Dispute Department in a US Call center. This whole experience has me just mentally upset and discouraged, feeling as if I can never get this taken care of. Below are the inquiries that I did not authorize nor did I solicit any form of business with them : 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/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/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/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 non-monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation