milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: 6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!

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 04/14/2016 about Mortgage (Other mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info. 
They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion. 
They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX. 
The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX. 
They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been harassed by this company called Navient for the past 3 to 4 months about XXXX dollars that I don't owe them because I am still in school. I studied XXXX away from the University XXXX for a semester. Filled out and sent in a deferment letter and these people continue to harrass me to the point they are calling me at XXXX at night on a school night when I have to study for exams and do homework.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, Experian and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage loan through XXXX Mortgage where the payments went up due to increased taxes and insurance. I got new cheaper insurance which was to be paid through my escrow balance, it never was. This caused my insurance to expire without my knowledge due to the notices being sent to the mortgage company. I was notified too late and had to purchase more expensive insurance myself. After this occurred XXXX was investigating there error for me. Before the investigation was completed they sold my loan to Loancare a XXXX XXXX. After 3 months with Loancare they conducted a escrow analysis and increased my payments from {$810.00} per month to {$920.00} per month. I called to ask about this and they stated my escrow account was negative {$1200.00} which needed to be paid back plus {$800.00} which was to remain in the account at all times. This comes to {$2000.00}. After I broke down my payments from the information on my account out of the {$920.00} only {$440.00} was going to principle and interest and {$470.00} per month was going to escrow. This comes out to me paying {$5600.00} in escrow per year. When I called Loancare 's customer service I spoke with XXXX ID number XXXX who told me I owed {$2000.00} in escrow and that 's why the payments were so high. After I explained the breakdown to XXXX she stated that I did not know all the in 's and out 's of escrow and that 's why I do n't understand the gross over payment. When I asked if I could speak to someone who could explain this to me she stated there was no one else to talk to. XXXX then told me she had already explained everything to me. When I asked for a supervisor she stated he was not available and I would have to leave him a message. I left a message and could not understand the name on the recording. The supervisor has yet to return my call.

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 03/14/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Unsolicited issuance of credit card

Complaint: I have had someone fraudulently sign up for a credit card twice at Chase bank. The first attempt they were able to open the account. I put a fraud alert on my account and after the 90 days, the fraudsters did the exact same thing. Chase Bank is telling me that it 's because they are getting amazon gift cards the fraudsters are applying for cards. Chase 's system catches it but still leaves a hard hit on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Other

Complaint: Without my consent, Paypal attempted to sign me up for a credit card. I did not authorize the attempt which added an inquiry to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: Went to a consignment sale. Spent ov er 200. Left. Thought everything was fine. Boy was I WRONG! They  used the credit card machines where everything is done manually. But I was n't too worried. Now I 've spent  XXXX  for  XXXX  worth of merchandise. Recently started banking wi th BBVA COMPASS. Th ey had been great thus far. Then I had the misfortune of getting paired with  XXXX  ... ... she worked my dispute. The first time around she did hardly anything and came back and said she found nothing wrong. I threatened to file a complaint with CFPB and so she said she would reopen the investigation. But ... ... did n't come up with ANYTHING different. And still sided with the other party. I 'm very upset. The info that I used as EVIDENCE that I did NOT make the second purchase ... ... was the info she used to find that I DID! I provided her with my receipt. Explained I only si gned ONE slip. The other one was  done an hour later. I was long gone and heading for home. I did not do the other purchase. And had this been   XXXX   XXXX   XXXX   XXXX  or  XXXX  or  XXXX   XXXX  ... .my word and the info I provided would have been PLENTY to get the charges reversed. I work online for a living. And I deal with a lot of social media and referring. I definitely will be talking about Compass ... ... but it wo n't be a recommendation. Which is sad, because there are wonderful people that work there. Like  XXXX . He was wonderful!!     Anyway, I 'm opening this complaint in the hopes that I can get my money back. I 'm a single mom raising  XXXX  girls.  XXXX  of whom is currently  XXXX   XXXX . So I ca n't afford for there to be a  XXXX  ERROR that is n't resolved. Please help : ( I 'm providing all documents that I have gotten throughout the case. To try to expedite the outcome. And I 'm hopeful that whoever sees this next ... ... .can help to right the wrong. I 'm so upset by this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Taking out the loan or lease

Complaint: I applied for the XXXX update every year program at an XXXX. XXXX did a credit check through Citizens One Loans Personal who did not approve request for the following reasons : GARNISHMENT, ATTACHMENT, FORECLOSURE, REPOSSESSION, JUDGEMENT, OR COLLECTION on my XXXX Credit Report. None of the above actions have ever been taken against me nor is any of this information on my XXXX credit report. 
I attempted to resolve this issue with the bank directly but was told to file a dispute with XXXX. But as it was not on my XXXX report I was unable to dispute this statement. After contacting this Citizens One Personal Loans about 5 times I discovered they had used the wrong date of birth. Citizens One claims the social security information was correct but the DOB they used was XXXX/XXXX/XXXX. My correct birthdate is XXXX/XXXX/XXXX. 
I requested the negative credit check be deleted from my credit history as it was based on incorrect information. Citizens One refuses to do so and has advised me to contact XXXX but XXXX states the credit check is based on factual information. 
Citizens Bank has admitted to using an incorrect birthdate and this leaves me at a loss as to how to proceed. 
Citizens One Personal Loans does the credit checks for XXXX but thus far XXXX has not responded to my complaint either. I have filed a complaint with CFPB already and they too are working on this. As this is a complaint about a retail credit loan I am also filing a complaint with you regarding the XXXX XXXX XXXX and their credit check procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: 5 years ago I fell 2 months behind on my mortgage. I reached out to my lender, Bayview Loan Servicing LLC, for assistance and they told me I was ok and that when I fell to 3 months behind they had programs and options available to help me with my financial situation. The day I hit the 3 month behind mark, I called the lender to make a payment and schedule the remaining XXXX late payments for XXXX weeks later via automatic withdraw to bring the account current, only to find out that I was being processed for foreclosure. Unfortunately my situation required a chapter XXXX bankruptcy ( the debt was mine and I should be responsible for paying it back, not wiped clean and given a free ride ). Since filing for bankruptcy, I have made every monthly payment to my current mortgage lender, Bayview Loan Servicing LLC, ( sometimes a little more ) for the last 5 years as per my chapter XXXX bankruptcy requirements. I have the receipts and or conformation numbers to verify each payment. Twice during the bankruptcy Bayview incurred debt on my behalf without my permission ( they paid my property taxes when I have never had an escrow ). They attempted to have my bankruptcy discharged stating I was 6 months behind, again we had the receipts to prove their accusation wrong. As of the end of XXXX 2015 I have been released from my bankruptcy as paid in full. I just attempted to refinance under a VA loan and much to my surprise Bayview is reporting me as delinquent, again we have made each monthly payment with receipt to verify, as recently as XXXX 2015 even thought they say I have a XXXX $ credit. Bayview Loan Servicing LLC even sent a letter to the bankruptcy trustees stating we were current on our loan. As a result of their improper reporting habits I can not refinance under any loan to get out from their 9 % interest rate. Can someone please help resolve our issue? I have been fighting with this company for years now. Research has shown Bayview Loan Servicing LLC to have terrible consumer relations and would appear they are in the business of forcing people out of their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Bank of America ( third-party debt collector ) continues with their harassment practices after I wrote them to STOP contacting 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 01/28/2017 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Credit card protection / Debt protection

Complaint: I found out the XXXX hard inquiries on my credit. I need help to deal with these inquiries. I am concerned somebody theft my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I am only allowed to have mobile access to my accounts with USAA. I am not allowed to have the access to the member benefits of a USAA member because I have a Charge Off Foreclosure. I requested XXXX modifications with them prior to and after my retirement from the military. They told me that I make to much and am not behind so I do not qualify for modification. Then after retirement I filed for modification and they told me I was not delinquent so I went delinquent on my payments and then refiled modification and was told I do not make enough money and I was delinquent on my account and do not qualify for modification. Now after auction, foreclosure and charge off 5 years after the fact there is no set time frame for them to punish me and not allow me the privilege and benefits of membership that others get. I was told today that they do not have a set time frame in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Managing the loan or lease

Complaint: I am at the end of my short sale on my home. It is owned by XXXX but is a XXXX Loan, it was submitted through XXXX and has been approved. I have several other liens on the property and although multiple attempts have been made and it has been made clear that this is a XXXX loan and they are not giving anything to the Judgement liens on the property, I and the agent along with the real estate broker have been able to put some money together and pay some of the judgements in an attempt to settle for less then the original amount, however, XXXX Midland Funding or XXXX is not willing to take a penny less then the full amount plus accruing interest. The XXXX position is not getting the full amount, hence the need for a short sale, traditionally they dictate the jr lien payoffs. I do n't know what else to do to get this passed through and my agent has run into a dead end. We have to close the sale by XXXX XXXX and I am out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Trouble during payment process

Complaint: After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account

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 monetary relief
Consumer complaint received 11-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: For nearly 2 years, one collection agency after another, harassed me by phone at irregular times with questionable business/collection practices. 

When I wrote back disputing the facts and offering to pay what was ( less than ) the fair amount owed, the agencies transferred collections repeatedly and continued to place inaccurate record on my credit. 

they repeatedly did not answer to my fair, final settlement to pay and settle and totally stopped communications this year. IC systems have been less than fair when it comes to my end of the negotiation and writing to settle. 

copies of my effort to communicate, offer to settle for fair actual amounts owed were in vain, and are available for review, if needed. 

please help me get this monkey off my back and restore my credit. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Consumer Loan (Title loan) with TMX Finance LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.

Company response to consumer: Closed with explanation