milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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   improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in  XXXX   2017 , with the subsequent  three mo nths showi ng 30-60-90 da ys late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017 )  showing no amount due and no late payments. The  XXXX   2017    statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agencie s ( Transunion,   XXXX   XXXX   XXXX   ) was  to remove the single 90 day late for  XXXX     2017 f rom credit report and not remove th e 30  and 60 days late for  XXXX  and  XXXX     2017 on  the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.

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 07-01-2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Investment retrievers claims they are attempting to collect a debt from a repossessed vehicle previously financed through Nissan Motor Acceptance. They claim the last payment ( when vehicle was sold ) was in 2012. Several issues involve this reporting on my credit report and continued attempts to collect : the creditor has not produced a written loan or loan agreement that gives the creditor a security interest in the car the loan agreement does not give the creditor a right to sue you for a deficiency after it has taken the car, and XXXX XXXX is not the same creditor that is on loan papers and it has not produced an assignment or other legal document that establishes the debt was assigned to it. The creditor is barred from collecting because they failed to provide me with required written notices, did not conduct the sale of the car in a commercially reasonable manner, and refused to allow you to reinstate the loan, the law may prohibit it from going after you for the deficiency. 

XXXX claimed notices were mailed. This is n't true and I 'm sure they are producing false documentation after the fact because I have complained many times. 
Per Md. Com. Law 12-626, 12-115 ; 63 Md. Op. Atty. Gen. 92 collection of a deficiency balance should not be continued from investment retrievers. I asked them to remove dispute remarks from my credit report as I 'm trying to purchase a home and can not have remarks on the report. XXXX has been asked to stop contacting me ( cease and desist ) because many things were not done correctly regarding this car repossession and I do n't owe anything to investment retrievers I was never given the opportunity to buy the car, stop repossession or notified about repossession of the car as I though car payments were deferred many laws were violated

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX XXXX XXXX XXXX ran my background and received a clean report XXXX XXXX with XXXX On XX/XX/XXXX Sterling posted on my background report that i had a warrant from a case that was 9 years old XX/XX/XXXX past the 7 years required and then. Put on the report that the warrant was issued XX/XX/XXXX to make it appeared within the 7 year required and refused to provide the information of who reported the information which is required in a Advised action. There was no warrant they did it to help XXXX to denied employment and for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and Experian reports on my XXXX report it reflects the correct date of XX/XX/XXXX I believe this was done to re-age my account! I have disputed this through the CB several times.

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 11/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage in XXXX of 2015. Ocwen Loan Servicing , LLC is the servicer of the new mortgage. Late in XXXX, I called Ocwen to inquire about my XXXX XXXX payment. I was informed by customer service that my first payment was due on XXXX XXXX and that I would receive a statement in early XXXX. 

Sure enough in XXXX XXXX, my first statement arrived stating that my payment was due on XXXX XXXX. 

Today, I called Ocwen because I noticed that my XXXX statement with XXXX due date included a past-due amount. I checked my account and both my XXXX and XXXX statements had been paid on time within the grace period. 

The customer service representative told me that in XXXX, Ocwen had realized a mistake on their end regarding my account and that I was supposed to have had a payment in XXXX. At that time, they re-applied by XXXX payment to the XXXX due date, and then applied my XXXX payment to the XXXX due date. All of this was done and no one ever contacted me until I received this bill. I am now being told that I am responsible for making my XXXX and XXXX payments within 30 days. 

Frankly, I am scared. I have always had good credit and paid my bills on time and now I am facing being reported to the credit bureaus, incurring late fees, etc. When I called Ocwen back in the summer, they did not have any sort of account set up for me, and I was told today by an " escalation specialist '' that they could not have received my payment at that time because my account had yet to be established. I was also told that statements in general are only a courtesy and that I could have just mailed my payment based on my mortgage refinance documents. When asked what would have happened to my check since I did not have an account setup at the time ( as told to me by their own representative ), she could not provide an answer. 

I am hoping that you can help me by holding financial companies accountable to billing their customers and setting up their accounts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 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: beginning ofXX/XX/XXXXi had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated items are under investigation and transunion has not done nothing. 30 days has passed and i senet my second request to XXXX   and transunion, XXXX  stated under investigation and transunion did not even said anything which i decided to come here for help. please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : I have lived in the XXXX Arizona area since XXXX. I bought my home in XXXX XXXX in XXXX. This home means so much to me since it was my project to have it built from the ground up after a very emotional, messy divorce. I have endured many hardships from that point to now, but I still love my home and I do n't want to lose it. Unfortunately, I might because my lender is trying to foreclose on me. My home is scheduled to be sold on XXXX XXXX, XXXX!!! 

I did have my loan modified in XXXX, but the payment came out too high. From that point on, I have not trusted my lender or the modification process. I struggled but I made those mortgage payments until I started having medical issues in XXXX. I eventually had a XXXX in XXXX. I missed a lot of time at work and had to pay a lot of out-of-pocket expenses ( co-pays and deductibles ). I finally defaulted on the mortgage at the end of XX/XX/XXXX. Because of my poor experience with the last modification, I had no trust in trying by myself to get my loan modified again. I hired a law firm to help, but they got nowhere in dealing with this. 

I am a XXXX. I 've been in this industry for XXXX years, certified for the last XXXX years. When I went back to work after my XXXX, I had to deal with a lot of XXXX. I was falling further and further behind on my mortgage since any payment I sent would not be accepted, and I was n't getting anywhere with the modification process. That led to me being diagnosed with XXXX in XXXX of XXXX. I immediately had XXXX again and then XXXX in XXXX of XXXX. I hope to remain in XXXX now, and I 'd like to now solve my mortgage issue. 

I have not been assigned a single point of contact nor have I been offered any sort of assistance or repayment plan to get my payments on track. I believe that my loan fits squarely within government guidelines. I do n't need nor do I want a handout or anything that I do n't deserve. All I want is a little assistance in getting a loan modification that lowers the payment to a level that is sustainable moving forward. My financial future looks bright and I hope to be past my medical issues. I do n't anticipate having any financial issues moving forward if I can get this resolved reasonably. Thank you in advance for any help you could provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Settlement process and costs

Complaint: The XXXX company have tried to enforce a fraudulent agree ... .I have paid over {$220000.00} on my loan of {$170000.00} ... .I kept my promise an did not Breach the Contract as was done by Suntrust and charge me a very higher interest rate. My hands in clean and will need more protection from these greedy lenders. " " '' HOW CAN THEY ENFORCE AN ILLEGAL CONTRACT TO STEAL OUR HOME? " " '' IS THIS A SCAM ON THE AMERICAN PEOPLE?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Payday loan () with GVA Holdings, LLC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: I INITTIALLY TOOK OUT A XXXX DOLLAR PAYDAY LOAN WITH XXXX INTEREST PAYMENTS EVERY TWO WEEKS. ON THE 4TH PAYMENT I DID A PRINCIPAL REDUCTION PAYMENT PLUS INTEREST. XXXX PLUS THE XXXX. WAS TOLD THAT THE PAYMENTS WOULD BE LOWERED. THEN WHEN I CALLED TO FIND OUT WHAT THE NEW PAYMENT AMOUNT AND/OR PAY WOULD BE I WAS TOLD THAT I WOULD STILL BE CHARGED THE XXXX NO MATTER WHAT THE PRINCIPAL WAS PAID DOWN TO.. WHEN IN TO LOOK AT MY CONTRACT AND IT HAD BEEN REMOVED. ASKED FOR THEM TO SEND ME A COPY AND THEY WOULD NOT.EVEN THOUGH I WAS TOLD THAT MY PAYMENT WOULD BE XXXX I WAS TOLD THAT TO PAY THE LOAN OFF I ONLY HAD TO PAY XXXX INTEREST AND THE THE XXXX REMAINING PRINCIPAL. AND THAT I SIGNED UP FOR XXXX PAYMENTS OF XXXX ... AND IF I DIDNT PAY IT OFF, EVEN THOUGH I HAD ONLY MADE XXXX PAYMENTS I WOULD NOW OWE ONLY XXXX PAYMENTS OF XXXX TO PAY THE LOAN OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with CREDIT ASSOCIATES, INC. (OR) (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX to check my feet. I was told they were in my insurance network on XXXX different dates prior to going in. They took my insurance card and co pay. 2 weeks later I received a bill stating my insurance would not pay. So they want me to pay the bill. This clinic is dishonest and lies to public. I could of went across the street and my insurance would have paid, but believed I was covered based on what the clinic told me. Now they have turned me over for collection and is on my credit file. I have requested the collection agency take me to court where I know I would win, but they refuse to move forward to get this off my record and just leave it on my credit file. Fraud!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called AMEX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE AMEX GO LISTEN TO THE PHONE CONVERSATIONS.
Amex ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written AMEX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Issue : Payment Status Details : Claim filed with government for insured portion of balance on loan on XX/XX/XXXX The date is incorrect. It should be : XX/XX/XXXX not XX/XX/XXXX 

Details : All NELNET accounts contain some kind of errors above are XXXX simple ones. ( see attached document ) After multiple disputes with all XXXX credit report agencies, NELNET keeps updating my credit report with a new current date as the date a " claim filed with government for insured portion of balance on loan '' which is not true. I had {$0.00} XXXX XXXX XXXX balance on these accounts since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I applied for a card about XX/XX/XXXX on line for a Lowes credit card. I gave my physical address and a Post Office box. I did not hear anything from them. They probably sent everything to the physical address and I do not receive mail there. I applied again using the Post Office physical address and they denied because of a previous application. They now can find no information on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX XXXX, I requested a credit freeze from all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). I mailed letters to the three credit reporting agencies and provided the required documentation. I promptly received letters from XXXX and XXXX which froze my credit report and provided me with a PIN. I have yet to receive a response or a PIN from Equifax. I know Equifax received my letter because they deposited my personal check of {$10.00} which cleared on XX/XX/2017. 

I tried using the Equifax website to log a complaint but their website is useless and does not provide a way to email a customer service representative. There are only service phone numbers which are of no use to me because I do not have the time or patience to wait on hold on the phone for hours. 

I would greatly appreciate if you can help me resolve this issue. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. XXXX, XXXX and Experian have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX  XXXX. I never received any form of documentation from the original creditor or XXXX XXXX, XXXX. to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XX/XX/XXXX to XX/XX/XXXX, in my  maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with 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 explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is not doing a proper dispute investigation for 2 tax liens that are reporting on my credit report. The information has been verified and deleted from the other 2 credit reporting agency 's which is XXXX. ( they deleted them ). However transunion keeps telling me that the information is correct and has been verified. This is wrong because I did Not have 2 tax liens to begin with. It was only 1 tax lien which was paid in full. I had contacted the XXXX clerks office and it was agreed this information will be deleted from my reports. Transunion still has not deleted them and it is causing a hardship in me obtaining substatial credit as it is affecting my credit score in a negative way.

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 12-01-2017 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (MT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Am trying to get a home mortgage. Through XXXX XXXX XXXX. I started around the first Of XXXX. They had XXXX XXXX do Appraiser on my house. On XXXX/XXXX/XXXX. He toke a 5 bedroom, two bathroom house. turn it into a 3 bedroom 1 bathroom house. I have full basement. Down there is 2 bedrooms and a bathroom. He said that the bedrooms are as follow. One is study and the other one is a den. Both of them have a bed in them. I tried to tell I called the XXXX XXXX XXXX XXXX. About the mistake and they wont lesion to me. The house when I bout was XXXX. And I went through XXXX XXXX XXXX. When I remortgage the house through XXXX XXXX XXXX. And Low VA Ratees. It was XXXX. Now with New Day Financial with 3 bedrooms and 1 bathroom. They are telling me that my house is now XXXX. That is lower then when I got the house and with the remortgage. This is a 5 bedroom and 2 bathroom. Am tried of trying to get them to change it to the 5 bedrooms and 2 bathrooms. They just wont lesion to me. NO one should go through New day.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: chase card  XXXX   reported a joint card I had with my mother ( deceased ) as a charge off, I was making payments to   XXXX  Cha  se  then they turned over the account to a company called  XXXX   (  collection agency ) even though I was making the payment for my deceased mother, I continued to make payments to  XXXX  until I saw that   XXXX  Chase  charged off {$2200.00}, the balance due now is {$710.00} that I will payoff when they remove the charge off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (IL).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2015 the fiance company TD auto repossessed my car by mistake it was awful not to say embrassed the tow truck came started taking my car when I told him it was a mistake that I was protected by Bankruptcy law and refused to believe me and called the police my neighbors were woken up. The next morning called the fiance company the person to whom I spoke with was rude and would not listen to me cold not go to work for 2 days lost pay and not to say I was embrassed after many phone calls finally someone told me it was a mistake and sent me a letter of aplogy and the tow driver brought my car back in the night will repo stickers still on. I think they should at least do something for the money I lost and the anxiety I went thur. Thank you for listening

Company response to consumer: Closed with explanation