milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My mortgage manager sent them proof it was n't my lien and they said they can not remove it from my name. I have XXXX lien showing up as mine. My name was put under hers on the tax form XXXX erroneously, I think they thought we were married? Her name is next to her social and her debt and the irs said that should be enough for you all to remove it. I also attached the transunion letter where they found it to be in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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/XXXX/17 I found out that Trans Union had a glitch in their computer system that deleted inquiries from consumers credit reports, by law I was not notified of the deletion, and reinsertion of files. I spoke to a person in credit services department, I was told it did not effect my credit file, then I was brushed off. I suspect that was not the truth, I have no way of knowing if it is true other than what I was told, I need to know for sure.

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 03/28/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (WY).
Issue: Loan servicing, payments, escrow account

Complaint: Requested a payoff quote by fax and certified mail over 30 days ago. Will not provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with GLA Collection Company, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked GLA Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
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: I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX year old widow who has resided in the same home since 1977. I have gone through a few financial problems but am now finally getting my life back on tract after a few setbacks. My problem that is I have been with the same mortgage company for many years and have been paying an outrageous interest rate of 8.29 %. I have contacted them on a number occasions to see if I could do a refinance to get my interest rate lowered to what it should be, but each time I was denied for one reason or another. I even tried the HARP loan which I was also denied for. I have maintained my property well and have not been late on my mortgage for a few years and I think I deserve a reasonable interest rate. Would you please help me. I am struggling with this issue and do not know who else to turn to. thank you for any assistance to can offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I disputed a collection account with experian. On XX/XX/XXXXthey updated my reported stating XXXX XXXX XXXX   has verified the information and it will remain on my report. OnXX/XX/XXXX I sent a request for validation to XXXX   requesting they validate that the debt owed was indeed mine. On XX/XX/XXXX I received a letter in the mail from XXXX. This letter was not signed by anyone. I have no clue who sent this to me. It was not proper validation of the debt. It is a poor account statement. After reviewing the statement sent and then reviewing my Experian report it came to my that the statement they sent and experian have different information. The original name amount and account numbers are different. I called Experian to have this account removed from my account and they said they can not do that. The already verified the account and stated though they do not receive documentation from the creditors that the creditor did validate the debt. I asked how was it validated if clearly the information reported is inaccurate. Experian stated that I can redispute without guaranties it will be removed but they will not remove the 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 non-monetary relief
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, XXXX, I disputed inquiries from XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX, which were added to my Equifax report on XXXX XXXX, XXXX & XXXX XXXX, XXXX. This is due to fraud because I did not apply to any of the cable companies in XX/XX/XXXX. However, Equifax insist that the inquiries are factual, which is false. For instance, XXXX is no longer listed as active. I googled the company, & the company seems to be out of business. Also, I tried to contact the other inquiries, & they are hard to get in touch with too. Plus, Equifax finished the investigation the same day I disputed the inquiries, which means they did not investigate the inquiries. If I had difficulties contacting the inquiries, & still have not received a response from any of them, then that means, Equifax gave me a false report because they did not verify the information. They are required to remove ( or block ) any unverifiable & inaccurate information from a consumer 's report, especially fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Bank account or service (Checking account) with U.S. BANCORP (AL).
Issue: Deposits and withdrawals

Complaint: I signed up for a Small Business Checking account with U.S. Bank on or about XX/XX/XXXX with a E-Deposit limit {$10000.00} for daily deposits. On XX/XX/XXXX I attempted to make a deposit of {$2500.00} and the deposit was declined. I was told my limit was lowered to {$2500.00} XXXX without notice ) and now I am unable to deposit my check. I contacted customer service and spoke to XXXX tier customer support and was told " nothing could be done '' and that " it will not change ''. I have never have had a returned check, a bounced check or any negative account interaction. I maintain XXXX times the required minimum balance for the account. Calls to a regional manager XXXX XXXX XXXX XXXX XXXX at XXXX are not returned. The nearest branch and/or atm is over XXXX miles away from our location to deposit our checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my 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 06/15/2016 about Credit card () with U.S. BANCORP (MO).
Issue: Billing disputes

Complaint: I have a variety of issues with US Bank and my Visa card. Main issue being their continuing to have a " pending charge '' on my card for days after the " actual charge '' posted, thereby using twice the amount of my available credit. Second complaint is their customer service staff telling me that no supervisor was available and it would take " several days '' for a supervisor to call me back. I mentioned that I felt like the hold on the card for pending charges already posted as actual charges was not fair and was something that the CFPB would be interested in. They seemed to have no knowledge of the CFPB did not escalate the call or add the call to any complaint log for review. 
A credit card issuer should be obligated to immediately delete the pending charge once the actual charge is posted. US Bank tells me they can not do that, that only the merchant can do that. That is fundamentally wrong and a fundamentally flawed system. 
I called the US Bank corporate office and they told me I could talk to their " advocacy department '' and transferred me, all I got was voice mail. I left a message, I do not expect to hear back from them. I called back to the US Bank corporate office and was told there is no one else that I can talk to other than the " advocacy department '' that I could not speak to anyone in management to voice my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I spoke to Roundpoint Mortgage Service about the procedure for making a principal curtailment payment and recasting my mortgage in XXXX 2015. I was told that I should submit my regular monthly payment, then a curtailment payment, then send a request to the servicing help email address requesting a recast. I was informed the processing would occur within XXXX days and that I would be contacted for any further information and given documentation with new loan terms to accept. I submitted a curtailment payment of {$44000.00} on XXXX XXXX. Despite numerous phone conversations and emails, Roundpoint has not to my knowledge taken any steps to complete the recast of the mortgage, including informing me of any further information needed to complete the recast as explained to me prior to making the curtailment payment ( I opted to pursue a recast instead of refinancing the property based on the representations of the Roundpoint representatives ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my all three credit bureaus show inquiries of almost 50.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX and now, attorney firm, XXXX XXXX XXXX XXXX. have violated multiple federal and state statutes. 

One of which relates to the submission of my complete loan modification package. This was never acknowledged, processed nor decisioned by any of these entities claiming ownership at various points in time of the account. To this day, it is unclear as to who the real owner of the account is? 
Also, there have been countless illegal, fraudulent and improper collection attempts made on me, my wife and my minor children in writing, telephonicaly and also in person by a XXXX man that literally interrogated my wife and XXXX children multiple times in our front yard about collecting monies, non of whom have any obligation whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: So my car was repossessed from Fifth Third Bank. They said I need to pay {$660.00} because of a late payment in XXXX 2016. I look back and that was when I had a deferment because my husband was out of work. They told me to fill out a letter and send it in. I have proof that I sent the email in and signed it. They told me there would be an extra monthly payment added on to the loan. Now XXXX XXXX, 2016 my car was repossessed and I had no idea why my car payment was sent through mail a little over a week before ( because they said I am not eligible for the online payment ). I called confused and they said once your payments go through then we can give you the release form. Then my husband called and they said we owed XXXX in repossession fees ( including the 2 payments of XXXX on there way ) I was confused to why it was that much when my car payments are {$280.00} per month and {$290.00} when they are late. So I called again to try and understand where this money came from and they said it was from XX/XX/XXXX when we missed a payment. That 's when I explained that was our month of deferment. She then tells me it was n't approved. I explained how I would be told if there were any problems with the deferment process that she would contact me. The representative then told me we were contacted multiple times and left voicemails. I then asked what phone number they have been calling and she gives me numbers that do n't even have the same area code as me. I know they have my phone number and my husband 's on file because that is how I verified my account. On top of that they have my mailing address. She then puts me on hold so she can talk to her supervisor. They are now giving me a deferment for XX/XX/XXXX and adding repo fees to XX/XX/XXXX and XX/XX/XXXX but I still have to XXXX XXXX the {$660.00}. I just feel like I should n't even be in this position right now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  XXXX  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.

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 03/18/2018 about Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In the first part of XX/XX/XXXX this checking account with US Bank was overdrawn and closed out. A class action lawsuit was filed against US Bank for charging excessive overdraft fees and for the way in which they posted checks to the account. I was a part of this lawsuit. In mid XX/XX/XXXX, I received a letter from a collection agency stating that I owed around {$1800.00} on this debt and it needed to be paid. I stated to the collection agency that I was part of a class action lawsuit against their client, US Bank, and the lawsuit had not been settled yet. I agreed to pay a set amount of {$720.00} and then receive a Release of Liability letter from them, which would release me from any further obligation to this debt. I made the required payments and received the Release of Liability letter on XX/XX/XXXX. This debt is no longer valid because of that. Since XX/XX/XXXX, I have been repeatedly contacted by different collection agencies, usually 3-4 times a year about paying this debt. Each time I inform them of the ROL letter and provide a copy to them and then do not hear anything, assuming it is taken care of. Then usually about three months later another collection agency contacts me again. I have been threatened twice now to be taken to court and both times when I bring up the ROL letter, they say they are going to take care of the matter. This has been going on for almost four years now and I am tired of it. US Bank has clearly violated the Fair Debt Collection Practices Act on several occasions.

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 07-10-2015 about Student loan (Non-federal student loan) with Student Loan Finance Corporation (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Hello. My monthly student loans demand that I pay the entirety of my income to them. I have been working with Student Loan Finance Corporation for eight years and my forbearance has run out and they demand that I pay between XXXX and XXXX dollars a month. I have made it this far but my time has run out. My dad cosigned and is now retired and on social security and there is no help left for me. I make make roughly XXXX dollars a month and now live with my elderly parents to help them XXXX. I have no where to go and no lawyers will touch this problem. I 've literally been told that I have to get XXXX to even consider discharge through bankruptcy.

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 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is not my account. I never had a XXXX XXXX XXXX credit card to date. I especially have never had any credit card with a limit of {$17.00}, XXXX. This must be a case of mistaken identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MA).
Issue: Problems when you are unable to pay

Complaint: I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.

Company response to consumer: Closed with explanation