milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has refused to investigate unverified accounts and addresses on my credit report. I have sent several certified letters asking to validation of accounts along with my ID, SSC and my auto insurance bill. By Transunion being unwilling to properly investigate these alleged debts is really putting my life a halt, and its becoming extremely depressing, and taking a toll on my personal life.

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 04-02-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Mortgage debt) with National Creditors Connection, Inc (MS).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I called   XXXX   XXXX   on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me mor e than 2 weeks prior. Then I receive a letter from NCCI a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sending door knockers for no apparent reason after they have already received calls in order to bill a mortgage holder fo r services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in  XXXX   XXXX .  30-day and 60-day  delinquencies were reported in  XXXX  and  XXXX  of  XXXX , respectively, by  XXXX   XXXX   XXXX   XXXX   XXXX  "  XXXX  '' ).     An address change request was sent b y U.S.  Mail to loan  servicer    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  "  XXXX  '' ) on  XXXX   XXXX ,  XXXX . The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for  XXXX  and  XXXX  of  XXXX  indicating a payment amount due were sent to an invalid address. Thus, no payment was made for thes e two  months.     After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the  XXXX  failure to update address information per my request.     In  XXXX   XXXX , I contacted   XXXX   and   XXXX   regarding this matter seeking adjustments to the report on goodwill grounds and factual accuracy basis. Both companies acted unreasonably in denying the request.  XXXX  even questioned the veracity of my explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with Auto Advantage Finance, LLC (OK).
Issue: Taking out the loan or lease

Complaint: I had bought a vehicle from Express Credit Auto in XXXX. When we signed the contract, the salesman put a stack of papers in front of me and had me sign one after another without letting me read them. He said it was n't necessary because it was all standard paper work. I asked him if the Vehicle had a cutoff device, he said that they no longer used those devises. In 2014 I went through several months where I was having problems paying. Express credit said that they would put the payments to the end of the contract. Later I was at my brothers house and when I tried to leave the van would not start. I was 3 days late on the payment. when I called them they said I would have to make the payment plus a cutoff fee or they would n't turn on the van. That 's when I found out that the van had a GPS Tracker with a cutoff switch and that they had lied about the cutoff switch. I also found out that they could track every place that I went. They agreed to turn on the van but it would immediately disable if I made another stop. I was forced to go directly to the dealership and make the payment. I consider this a form of soft repo. Later I went and got a ledger of payments from them and on reading the ledger, I found out that they had closed the original contract that I signed and refinanced the vehicle without my knowledge or consent. They also showed on the ledger that they had returned {$6700.00} dollars to me during the refinance. I never received this money or saw a check made to me. They also altered they contract by adding a personal protection insurance on the vehicle in the amount of {$2300.00} without my consent which made my payments go up. I am now in the process of fighting them because they committed fraud by closing out the contract, refinancing, and altering the contract to their benefit. Also by telling me that the vehicle did not have a cutoff device with GPS. I feel that by tracking my vehicle everywhere I went, constitutes an invasion of privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Capital One had their attorney XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX in XXXX a settlement agreement was made to my knowledge of {$1200.00} dollars after paying and being harassed for more money I filed a complaint with your department. after that I never heard from this attorney again. I have recently applied for a home loan and was told this is on my record and has never been settled for {$3600.00}. I spoke with XXXX on XXXX I.D . # XXXX who said this acct was opened in XXXX thru XXXX after which I believed it was closed. She told me it was not closed and that the last payment they received was in XXXX but would not say for how much. I am asking that this matter be settled and my credit report and court report be brought up to date. I was given a settlement amount and once I field this complaint all of sudden I am being told I owe over {$3000.00} dollars. Any help given to resolve this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX we were having trouble making our mortgage payment of {$1500.00} to Ocwen Servicing LLC. The interest rate on our mortgage loan is set at 10 %, so Ocwen suggested we do a loan modification to bring down our interest rate to something more affordable. 
We were asked to send in our XX/XX/XXXX XXXX XX/XX/XXXX income tax returns along with bank statements, pay stubs, and a financial obligation questionnaire. All paperwork was faxed in XX/XX/XXXX. They called in XXXX and said they were missing the XX/XX/XXXX tax return so I emailed it and was told that the loan was under review and they would call in XX/XX/XXXX. In XX/XX/XXXX I was told it was still under review, in XX/XX/XXXX same story ... my loan is still under review. I asked in XX/XX/XXXX if I could make a payment and was told NO that they could not take any money until the paperwork for the modification had been decided upon and completed and was told they would call again in XXXX. In XX/XX/XXXX I am told a decision still has not been reached and they would call in XX/XX/XXXX XX/XX/XXXX I am told they have no decision and will call again on XX/XX/XXXX. On XX/XX/XXXX I am told they are missing the XX/XX/XXXX taxes and will need me to resubmit this and will call me again on XX/XX/XXXX. Again I asked if I could make a payment and was told NO, not until a decision has been reached. In the meantime I am now 6mns behind and am not allowed per Ocwen to make any payments while the interest on my loan and the amount I owe towards payoff continues to rise and my credit score continues to drop as they report to the bureaus that I am late on my payments. I am worried they are pushing me into foreclosure by not moving on a decision and I am not understanding why.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 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: Public record information inaccurate

Complaint: Equifax failed to remove a Federal Tax Lien that should have been removed effective XX/XX/XXXX, in order to comply with new reporting regulations under the XXXX. Specifically - New requirements include : Require all public records obtained from the original source locations to contain minimum identifying information ( PII ), Name, address, SSN and/or date of birth The original source document does not comply with this new reporting regulation as it does not include Date of Birth, and it does not include full  social security number. 

Remedy is removal of this released Tax Lien from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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: the better business bureau referred me to CFPB because the problem goes back to  XXXX .   XXXX    refuse to correct my credit report and score, my  credit score  was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late,  XXXX  reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report for  ten  years, I contacted the credit grantor and they said they would report the credit file to  XXXX  but to date, my score has not changed.   I want  XXXX  to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my  credit score,  I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Payday loan () with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Charged fees or interest I didn't expect

Complaint: I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX Transunion, and XXXX. One is XXXX XXXX XXXX XXXX, and the other is XXXX XXXX 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$4000.00}.  This was due to them buying an account from XXXX XXXX ( Apartments ) who claimed that I owed this amount for breaking a lease. I explained to both, The Credit Bureau, and XXXX XXXX XXXX that I am a XXXX XXXX, and I am called to XXXX at anytime. In the Lease Agreement there is a military clause that exempts me from the lease if called on XXXX. I notified XXXX XXXX in writing before XXXX that I would be leaving and reminded them of the clause that was in the lease. They seemed to be ok with me having to leave and never said anything to me about monies owed. It was n't until I returned from XXXX that I began receiving phone calls from this XXXX XXXX XXXX, stating that I now owe Them the balance of {$4000.00}. I have never signed any contract with This company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

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 10/20/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: wells fargo had open another account with out me knowing, as a result i try 'd paying a credit card account and was navigated away to an account that did n't reconized and did n't pay my credit card .so i went to the bank and found extra charges ( fee 's ) and desputed them my son call the bank because i have a XXXX and XXXX veteran i always need help with my finances and balancing my encome i had electric turn off becuase i forgotton to pay even then the money was in my account i did n't know to use it and had them remove it just to fine out it was placed back again 4 months later i cancel the credit card that i place deposit on, and had owed $ XXXX ( - ) this had started around XXXX XXXX open credit card and closed about XXXX XXXX this account has been payed and becuase i had trouble navigating my account the credit card was not payed on time my son assist me with bills and set up bill pay account to better stay on track how ever the account now charged off as late a few months my account has a balance of XXXX on the frist i had ask for help with bank on mychecking acc. the report to the credit bureaus are unfair wells fargo posted as negitive infomation althought i made attemps withe bannk its still on my report and want it removed i think i can handle my account so long as the bank Well Fargo do not make changes thank you XXXX XXXX XXXX/XXXX/XXXX acc XXXX Wells Frago Bank my address XXXX FL XXXX XXXX and 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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries are showing more than once on my credit. Some of which I do not recognized. XXXX Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opened a {$3000.00} education loan with the VA. I made an agreement with them to pay back the loan in installments of {$85.00} a month starting in XXXX of XXXX. As you can see from the itemization attached, I made my XXXX payment ... my XXXX payment ... my XXXX payment ( EARLY ) and in XXXX they did an automatic withdrawal from my pay that I did not authorize. 

They continued to take this money even thought the agreement was for the {$85.00} a month. Even though they were collecting twice what we agreed upon monthly, and without ANY MISSED DEDUCTIONS, they began reporting this item as delinquent in XXXX of XXXX ( See VA historical delinquency attached ). 

1 ) The VA is in violation of section XXXX I never received a notice of delinquency or any notice that they were sending my information to the credit bureaus. 

2 ). They are in violation XXXX in that, when I disputed this item with them in XXXX, they were required to follow the same provisions of sec. XXXX with regard to disputed accuracy. I did not receive any update in 30 days and they did NOT remove the item since they were in violation of the repayment agreement and should not have reported it. 

I relayed these violations of non-compliance with federal law to XXXX and Experian. XXXX properly deleted the item. XXXX XXXX and Experian have left it in violation of FCRA section 611 ( a ) ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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