milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed a bankruptcy chapter XXXX that was discharged on XX/XX/2018. I checked my credit report and all was fine except XXXX XXXX a debt collector for XXXX XXXX XX/XX/XXXX XXXX XXXX Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with transunion and XXXX so far I haven't heard back from them, however I decided to call XXXX again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/2018. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX their phone number is XXXX The account number is 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 08/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction problem

Complaint: My customer filed a claim with his credit card for item not delivered a few hours before the item arrived then promptly retracted it when the product showed up later that day. The buyer and his credit card company have been open and honest in their attempts to resolve the situation and complete payment. They require a phone call from paypal that paypal still has n't done. Paypal opened a case, levied fees against my seller account, and put the money from the transaction on hold " while they investigated ''. Later, I started getting collections emails from paypal regarding this case. They threatened to send the entire amount to collections against me, the seller, if I did not provide money for them to hold " while they investigated ''. Their agents on the phone reiterated that they could not solve the problem in any other way than for me to pay to cover the full amount on hold. I have obtained copies of the buyer 's credit card statements showing where he was initially charged for the item ( {$6600.00} ), then was refunded, then charged again on XX/XX/XXXX. I have spoken with XXXX XXXX on the phone and they confirm that they have both charged my customer and rendered payment to paypal over a month ago on XX/XX/XXXX. It has been 45 days since paypal was paid by XXXX XXXX and two weeks since I put {$6600.00} on my credit card to avoid having a bill in collections despite the fact that the case was still, somehow, undecided, despite the buyer agreeing that he received his items. As near as I can tell, paypal is holding both my {$6600.00} and my customer 's {$6600.00}, and has been holding it for weeks while failing to answer my questions on the phone or give any real indications that the case is moving anywhere. They have threatened me with collections and reporting this to credit bureaus to pressure me into paying a bill that they have already been paid for. This callous double billing and holding of funds is consistent with the worst practices of reprehensible companies. I 've attached copies of the customer 's credit card statement to prove that he has paid and that his CC company has rendered payment to paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full 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 11-07-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: COLLECTOR FAILED TO VALIDATE AND IGNORED CEASE AND DESIST, REC 4 CALLS TO MY DADAS CELL PHONE, INVALIDATED DEBT INQUIRY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED CHAPTER XXXX BANKRUPTCY CASE NO. 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 08/22/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Phone call to XXXX and Transunion to inform them that this debt owed to XXXX XXXX XXXX XXXX was included in my bankruptcy on XXXX 2014. It 's noted on my credit file with XXXX but not recorded with XXXX or Transunion. Asked them to follow suit with no resolution as it is being reported on both as charged off or delinquent. Then after that call it showing as updated and a new hard inquiry which is putting a negative mark on my credit file.

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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I contacted this company about why my interest rate went from 19.99 % to 29.99 % without notice. first they said that is my interest rate. when I replied by secure mail on Citi 's website, on XX/XX/XXXX, they replied that the current rate is plenty APR due to a missed payment. I then replied that I have never missed a payment nor have been late in payments. I then replied ; Please send me proof of the missed or late payment. They replied ; We show a missed payment in XX/XX/XXXX and referred to the terms and conditions my account will stay in penalty rate for 12 months if I do not miss a payment or late on payment. I replied ; ; That if I did miss a payment in XX/XX/XXXX, it is now 18 months and my interest rate remains at 29.99 % I also informed them that I will not be using their product and will be paying off the balance and closing the account. I have not received a reply since.

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 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. 

I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. 

I am filing this complaint to follow through with my stated action I would take against them for violating this law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This has been a very difficult year with credit in every way you could think of. Ive recently received alerts on my credit products on XXXX, Experian, and XXXX. I have been affected in the past and I dont know why your company continues to place unrecognized and inaccurate inquiries on my credit file. The following inquiries were placed on my credit file as of XXXX XXXX, 2017. No one contacted me to get my consent and that is a definite violation of The FCRA sections 604, 609, 611, 605B. I have attached a letter, and several photos as well. I am really frustrated with your credit Bureau and Im now filing a lawsuit against XXXX, Experian, and XXXX for placing false inquiries on my credit file without my consent. Seems like you guys are treating this situation as a joke and I find that to be unprofessional. Please do not place no fraud alerts on my credit file. Just contact me in the future or have all creditors contact me for new future account. You should be ashamed of yourself for not taking the proper precautions to insure my credit file. I have contacted each bureau and have been placed on uncomfortable hold on the phone, supervisors hanging the phone up on me. I have spent hours on the phone trying to contact each Bureau when I was aware of this matter. No one is cooperating with me and i am left with no choice but to approach this situation through legal actions. There is no respect because I am unaware of the inquiries and this has been a situation that has been on going for the entire year and Im tired of the bs. You have caused major XXXX and more symptoms to my physical body and my mental capacity. Please be aware that you will have to pay court fines and a fine of {$20000.00} for causing damages to my mental health. I need to be compensated with a check that will pay my doctor bills. You can negotiate it with my lawyer. I am no longer in discussion with your company at this point since I have filed a lawsuit. 
Inaccurate Inquiries : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX 7. XXXX 8. XXXX XXXX 9. 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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft and I first noticed about a year and a half ago. I completed a full police report and submitted to Equifax months ago. Unfortunately, Equifax will not remove the items, while both XXXX and XXXX have removed all fraudulent accounts from my credit reports. I have been dealing with this fraudulent information on my credit files and re-disputing the accounts for over a year with Equifax and I would like the accounts removed so that I can go back to a normal life. At XXXX years old, I should be focusing on buying a house, getting a car, starting a family, etc. and because of this harmful and inaccurate, fraudulent information I can not do any of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a soldier ( XXXX XXXX XXXX ) .I have gotten a letter in the mail from the State of Maryland XXXX College stating that my account is in collection.I have already sent out a letter stating that I have dispute the validity of this debt. I receive tuition assistance because I am XXXX XXXX. Tuition assistance is suppose to cover the cost of classes so the only thing a soldier would have to pay for is books and other materials for classes. The XXXX classes I took was covered but the XXXX and XXXX was not. The first time I registered myself, I had no issues. The counselors registered me thru the college website the second time and now issues have arisen. I noticed that it takes a long time to reflect on their website that tuition was covered by tuition assistance. I received a letter thru the mail that I was in collection and this was my first and only notice about that. As soon as I got the collection letter I went to the school representative but was told they could do nothing about it. I found out through another counselor that it is not only happen to me but other soldiers have gotten a bill when tuition assistance should have been covering their cost. The counselor also stated that other schools would drop the class for you if they do not receive tuition assistance protecting the soldier from incurring unnecessary cost and not messing up a soldier 's credit. She also told me that the only way for me not to be charged is it has to be system error in the XXXX website or it was a counselor error. Yes I did apply thru goarmy.ed for tuition assistance. The XXXX classes I took was for XX/XX/XXXX and I pass both classes. I received the bill in question XX/XX/XXXX. Someone should have contacted me sooner so I could have remedy the problem quicker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My mortgage was sold from XXXX over to Lakeview Loan Servicing and I have received numerous calls from them about refinancing, lowinging my rate for no fee etc. When they first called they said it was just a modification, no fee. Then I get the paperwork and it's tons of fees and it was a refinance and not a rate modification. So I turned them down as they misrepresented themselves. Since then my husband and I have been harassed several time with calls asking us and telling us we need to refinance with them. We have asked nicely to stop calling us, stop emailing etc. THEY WILL NOT STOP! They are worse than a bill collector on crack. Please stop the insanity and tell them to stop calling us. We are tired of the harassment.

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 01/28/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I made my house payment online on XXXX/XXXX/16. 1 day before the grace period ended. I logged into my US Bank mortgage account and made the payment. I received the thank you for your payment screen. I then checked my email and I received a confirmation number in an email thanking me for my payment. So I thought it was all good until a week and a half later when I went online and checked my bank account ( NOT US BANK!! ) and noticed they have n't taken my house payment out yet? I went to US Bank site and now it shows a late fees so I called them and the recording also states I made a payment on XXXX/XXXX/2016. I finally got a lady on the phone and she said there was a clerical error. I said okay so you are going to remove the late fee then right? She said no I told her I have a confirmation email and she said that does n't mean anything, I told her there was no error when I made the payment and again she said that does n't matter, I told her that the phone recording says I paid on the XXXX too! Again her answer was that does n't matter! She also said I have to make the payment on the phone now to avoid the payment being 30 days late which will cost me another {$11.00}? How can they say thank you for the payment, send you a confirmation # and say thank you for your payment and the recording when you call says a payment was made on XXXX/XXXX/16 and STILL charge you a late fee? Also why was I never emailed saying there was an error please call or visit the website? What if I did n't view my checking account online and waited for the bank statement to come to balance my account? Is this even legal? I would also like to note that I will only pay online now because I had a past late fee and US BANK said they did n't receive my payment in the mail until after the due date? It was being sent to a location only XXXX state away from me. US Bank claimed they did n't receive it until after the due date.. I sent the payment in 12 days before the due date. Their excuse was they do n't control the post office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: ONCE AGAIN NATIONSTAR FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO NATIONSTAR TO MR. COOPER. AS WE SPEAK NATIONSTAR REPORTING ON XXXX AND XXXX AS NATIONSTAR AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Student loan (Non-federal student loan) with NELNET, INC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Firstmark Services is an unethical business that charges hidden fees and extorts money from their customers. They take out a huge " finder 's fee '' from the loan disbursement right off the bat. Also, if you go into deferment they add the balance to your principal without informing you. On a {$7500.00} loan, they added roughly {$6500.00} in " fees ''. As a very young college student desperate to finish school ( at XXXX XXXX college ), I naively decided to work with these people, and the Firstmark employees are the most incompetent people I have ever had the misfortune to communicate with. If you add up all my payments ( {$86.00} a month for ten years ) it more than finishes off the whole principal along with interest. No one at this " company '' has any idea what is going on, and when you call them out on their extremely unethical practices they can provide no explanation to why these hidden fees were not communicated. I am contacting my attorney and the XXXX regarding these unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I tried to apply for credit somewhere and they told me I was denied because of a fraud alert through equifax I have never had fraud and this does n't belong to me and want it removed. Can you please help with this!! This is the first I have ever heard this. Thank you for your help in advance

Company response to consumer: Closed with explanation