milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX collection items are continuously to be reported although the information furnisher can not verify the information with me directly. I have requested that XXXX collection items be verified with signatures, contract as well as a promise to pay. I have also asked for accounting that shows how the debt was arrived at should the identifying documents be produced. Neither XXXX XXXX or XXXX XXXX XXXX XXXX has provided me with this information over the course of one year. They are well past 30 days to respond. When I notified Transunion of this, this credit reporting agency refuses to take heed to the fact that I have proven these line items to be unverifiable. This agency continues to KNOWINGLY report unverifiable information.

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 06/17/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (CO).
Issue: Closing on a mortgage

Complaint: XXXX   XXXX ,  2017   Loan Estimate was p rovided with a {$14000.00} credit. Tha t 3 page Loan Estimate was signed by me the borrower and did n't show where the {$14000.00} credit was accounted from and had to be assumed as a lender credit, see attachments. A five page fin al disclosure was sent on  XXXX   XXXX ,    2017  showing the credit removed with no legal explanation. See attachments.     The loa n officer  at  XXXX   XXXX   XXXX ,  XXXX  tried to explain that this was because of gift money. But in actuality was a numerical clerical error. Since the gift money was not to be held by the closing company a s 3rd party  funds this was not to be a credit. They incorrectly categorized the funds as a gift and tried to correct their error.     The gift was received in  XXXX  and was not related to the home purchase but was for wedding/honeymoon expenses. I had to disclose the money to the lender because of a 60 day review. In fact, current secured funds exceed the amount required by tens of thousands of dollars. The {$14000.00} is not required to meet the down payment.     Accordin g to 1026.38 ( i ) ( 8 ) ( iii ) they  are required to explain any changes and have refused to do so on the existing final disclosure.  XXXX  offered to resubmit a correc t LE in  order to correct their error and I have rejected that offer, and it is borderline coercion. This is a numerical clerical error and should n't be legally allowed without firm explanation. This change was not due a borrowers changed circumstance. The change was due to errors on behalf of the lender.

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 11-12-2015 about Debt collection (I do not know) with GMA Investments, LLC (NM).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX, I mailed a USAA Convenience Check in the amount of {$1800.00} to XXXX XXXX XXXX to pay my outstanding balance with XXXX. The terms of the financing by USAA stated that the check needed to post by XX/XX/XXXX. 

I called USAA on or around XX/XX/XXXX to discuss options if the check did not post by XX/XX/XXXX. I was told that a stop payment could not be issued. I asked if my best option, then, was to submit an electronic payment. I also asked if the check, if it were processed after the XX/XX/XXXX cutoff date, would be rejected and left unprocessed. I received affirmative responses to both questions. Given this information, which proved to be false, I filed a second transfer on USAA 's website. 

The electronically-initiated transfer posted on XX/XX/XXXX.

The check transfer posted on XX/XX/XXXX, despite being told by a USAA CSR that the check would not be processed. This resulted in two charges of {$55.00}. I feel that one of those charges is invalid, due to being misled by the USAA CSR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: When Ocwen first took over our mortgage in 2012 the balance that was owed was {$71000.00}. 
We were approved for a modification with a lower interest rate with Ocwen. 
Ocwen now states that we owed a total principal balance of {$96000.00}. 
Ocwen Account # XXXXI have asked one of the representative that has been on our case for a few months, she has no answer to this question & states that is the balance that was in the modification agreement. 
We have contacted your company in regards to different questions regarding our account & have been able to get them resolved. 
Hopefully, someone can explain to us where the equity credit we should have went. 
Thanks for your assistance regarding this situation, we look forward to hearing from someone soon. 
-The XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with Financial Data Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account with nothing being received. This is unknown and feel I do not owe

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 02/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Delinquent account

Complaint: Bought a bed last year and it is no good we put together right but what wood its made out of stinks it started falling apart

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our new loan servicer has arbitrarily altered the terms of our HAMP Loan Modification by failing to accurately report our deferred interest which is a fundamental part of the written contract between us and our prior loan owner XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: RE : LOAN DEPOT I received a flyer showing an attractive interest rate for a mortgage refinance so I called for further information. I answered the representative 's questions ( XXXX XXXX NMLS # XXXX ). And, I told him I would only be interested in a fixed rate 30-year conventional mortgage with no points or closing costs. My credit rating is more than 800 and debt to asset ratio low. He quoted me a rate very little less than what I have but more than the flyer advertised. Furthermore, there were fees exceeding {$3000.00}. I made it clear that I was NOT INTERESTED in his loan and told him to destroy my information and to stop any and all processes to apply for any loan and/or refinance. He said he would but he did not. Today I received a large stack of papers with my personal information ( much wrong ), and an application for a variable rate loan with even more fees that were disclosed in the phone call. I called Loan Depot today and told them to STOP THIS PROCESS, DESTROY MY INFORMATION, AND TO NOT SHARE ANY INFORMATION WITH ANYONE AT ANY TIME. The lady I spoke with said she would honor my requests. 
I feel betrayed, lied to, and used. My personal information has been used against my wishes and leaves me open for more abuse in the future. Loan Depot should be stopped from their deceptive practices and from abusing other people 's personal information. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Sale of account

Complaint: i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.

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 08/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Have disputed with Trans Union several times they delete and repost. I have submitted documents but still report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any thing that belongs

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX Transunion - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be 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 08-03-2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MI).
Issue: Settlement process and costs

Complaint: My mortgage servicer and lender ( s ), Shellpoint Mortgage, et. al., will not acknowledge nor process my application for modification. I have sent it via email to XXXX ( XXXX ) email addresses they gave me and also, for good measure, sent it by First Class US mail. I followed up months after sending it in, but, they will not acknowledge nor process my modificatiion application. They now say that I they have given me loss mitigation options, but, they have not, refuse to process my application! They are referring my file to foreclosure. I have been trying to modify this for years and this is what happens every time. They also are harassing my wife ( who is not on the account whatsoever ), my little girl ( XXXX years old ) and my son ( XXXX years old ), by sending a man to our front door and interrogating my family about collection / foreclosure, writing erroneous collection / payment demand letters and communicating on the phone about erroneous collection / payment demands. This man would not give his name or his company. I requested information pertaining to this man, who has been to our home on multiple occasions, but, Shellpoint, nor XXXX or XXXX would not respond. Also, they have given me multiple names of Owners of the 'loan ' including XXXX , XXXX and XXXX. I requested a meeting or video conference to see the Original Note, but, they will not respond. I want to see who is on it ( my wife is really upset because she is not on it ), who the real Owner is? and who they endorsed the Note to. If I had all of the money to pay this off, I would Honestly not know who to pay and would not for fear of XXXX or XXXX or XXXX other entities trying to collect on me ( and illegally attempting to collect my wife, daughter and son at our home )! I know that the RESPA law requires that they properly accept, acknowledge and process a loan modification / loss mitigation request timely prior to taking people 's homes. I ask that you require that they enforce this, with whatever authority you have or offer me any guidance and / or direction to remedy this large problem. Thank you so much in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I call then send back requested information but they still refuse to correct and/or remove incorrect info therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: National Credit Systems persists, after several years, to erroneously report fraudulent information provided by a landlord. Regardless of documented proof, co refuses to address matter. Have made multiple attempts to resolve via phone and mail, just do n't have time to go to court over {$130.00} -- but this unwarranted black mark has had, and continues to have, a substantial impact on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on 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 explanation
Consumer complaint received 01/20/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Transaction issue

Complaint: A buyer has purchased a watch from me online and paid with a Chase credit card. Transaction amount was {$5800.00}. I have mailed the item to the buyer 's billing address with XXXX tracked service. A buyer 's signature was obtained by XXXX at the time of delivery. Chase - the bank-issuer of the buyer 's credit card - initiated an unauthorized transaction request. I have provided XXXX ( my account holder ) and XXXX supposedly forwarded to Chase all the requested transaction and shipping records, which clearly shown that I have mailed the product to the buyer 's billing address and buyer has signed for the package and XXXX checked his government issued picture ID on delivery. 
In about a month Chase reversed the original transaction and has received {$5800.00} back without any explanation!!!! 
XXXX reps confirmed that as a seller I HAVE SATISFIED all requirements for the involved transaction. XXXX reps also confirmed that the buyer 's bank ( Chase ) HAS NOT provided any information regarding the case. The buyer 's bank has to provide NO information on the transaction in question and XXXX would transfer money to the bank EVERY TIME the bank asks REGARDLESS of the evidences a seller provides. They specifically stressed this would happen EVERY TIME. 

Unauthorized transactions happen, but responsibility and risk have to be shared between the seller/buyer and banks of the seller/buyer. For transactions such as mine - when item is shipped to the buyer 's billing address ( recorded and confirmed by the buyer 's bank ) with buyer 's signature and ID check on delivery - the responsibility has to be clearly on the buyer and buyer 's bank, and not on the seller. Otherwise, ANY buyer can use his credit card and order ANY item online without a need to pay for it, regardless of what evidence the seller provides and regardless what the seller does. 

This practice is very unfair to online sellers and very dangerous for the credit card industry. I expect Chase to deliver the funds {$5800.00} back to my XXXX account and deal with the buyer directly. 

I 'm attaching the transaction records so that the bank can identify the transaction. Here are the transaction details : Buyer 's name : XXXX XXXX Buyer 's adddress : XXXX XXXX XXXX, XXXX XXXX, California, XXXX, United States Buyer 's Phone : XXXX Transaction date/time : XXXX XXXX 2015 XXXX Buyer 's IP address : XXXX Transaction ID ( it 's XXXX or CC trancation ID ) : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company repeatedly robo calls my fax machine every single day. Because it is automated and to a fax machine, there is no way to get them to stop. 

I have no accounts in collections and these calls are not for me. Because it is a robot dial to a fax machine, there is no way to stop it.

Company response to consumer: Closed with explanation