milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was dated XX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until XX/XX/XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XX/XX/XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone on XX/XX/XXXX. That is reflected on my Bank statement on XX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT 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 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Account Control Bureau (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Account Control Bureau Contacted me by mail regarding an account with a company " Under The Sun XXXX XXXX '' I responded with the attached e-mail to XXXXXXXXXXXX " Disputing the validity of the debt '' on XXXX XXXX XXXX. Account Control Bureau did not investigate or provide any documentation or communication of the results of any investigation. Account Control Bureau placed derogatory information on my credit file with the credit bureau 's in violation of my rights as a consumer to challenge the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was paid off several years ago, Originated with GMAC and transferred/sold to Ocwen, all XXXX # 's from GMAC are answered by Ocwen and they can not find the mortgage based on the GMAC loan number or the FHA Loan number. This property is being probated, I am the court appointed administrator of the estate trying to clear the estate. GMAC/Ocwen is in violation of Arizona Revised Statutes requiring a release to be recorded within 30 days of its satisfaction. I am asking for your assistance to get some where with Ocwen, their reputation supercedes their name is lousy servicing and this is another example of Ocwen 's blatant disregard to consumer rights and Arizona State Law/Statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I believe Ditech Financial LLC. has purposely not credited my mortgage payments made to my account. Furthermore, Ditech will not speak to me when I call. I have no way to communicate with them. I have sent them a certified letter and still, Ditech Financial LLC. will not communicate with me. I have attached a copy of the letter I sent to Ditech. Also, Ditech is holding almost {$13000.00} of my money in my mortgage escrow account. They are supposed to return that money to me. They also are holding a {$10000.00} two party, insurance claim check made out to myself and Ditech. I have a suspicion the {$23000.00} Ditech owes me is a largely the reason they are not applying the payments I have made on my account ... I am attaching a copy of the certified letter I sent to Ditech Financial LLC. asking them to correct my account. Also I am attaching a copy of my mortage statement showing the escrow surplus owed to me.

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 12/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Wells Fargo stating that my mortgage acct would be unavailable from XXXX XXXX due to them changing, not closing, my loan number due to new system and increased security. I paid my mortgage as I usually do when it became available again on XXXX XXXX, 2016. A few days later, I was looking at my credit report and noticed that my credit score had dropped. When looking into this, Wells Fargo had reported negative information to XXXX as my mortgage had closed or been transferred/sold. This is now listed as a " closed '' account and also a negative report on XXXX. I contacted Wells Fargo and explained this to them and they asked me to fax them the proof of the negativity, and I did. A few days later I was contacted by them and told they never received it, but I ensured them that I had the fax report that showed they received it. They explained it was the wrong number, even tho it was sent to the number they gave me. They now want me to resubmit to another number and then they will look into it. When contacting them I feel as if I am given the run around and nothing is being resolved. They continue to come up with obstacles to get this " resolved ''. It shows that I have two mortgages with Wells Fargo, one closed on XXXX/XXXX/2016 and one open, and I do not now, and have never had 2 mortgage accounts with Wells Fargo. Please help me get this removed from my credit.

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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an issue with how Transunion determines my score and what information they show on the report I purchase. I pay for a monthly service and check my score to make sure it is trending positivly. I have called Transunion on two different occassions because it states on my report I have XXXX deliquinant account. But no one can tell me what that is and the report reflects all accounts as current and have been so. When I try to determine why there is such a large swing in my score, from XXXX to XXXX and the only thing that has changed is they updated an address for me. And one that had changed over 6 months ago but they are just now getting around to updating it. The address change they show for XXXX XXXX was my address for the past two years prior to XXXX XXXX. How they report information directly impacts me. Yes, I had issues relating to a seperation in XXXX but I have worked very hard to repair those items. XXXX, XXXX, and XXXX I have paid accounts off, balances down, all positive steps. However, I do not understand why them lagging in reporting accurate information impacts me so negatively. Just because they report an address change within two months, does not mean I moved twice in two months. If credit reports are going to be considered for potential job opportunities, insurance, and credit worthiness, there must be accountability for those who are tasked with those determinations. It should not be so hard to try to correct issues with their reporting when a person does not have control over how they obtain the information or when.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid the XXXX Collections third-party half of the balance owed to XXXX and I paid the remainder of the balance in full directly to XXXX back in XXXX 2017 and on all ( 3 ) Credit reports I am seeing Paid in Settlement when it should reflect a status of : Paid ; Closed!!!!!!!!!!!!!! I am seeking Assistance regarding this matter with getting XXXX, Equifax and XXXX to accurately reflect the account status o my Credit Reports!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: OnXX/XX/XXXX I mistakenly paid XXXX XXXX {$3300.00} using pay online with XXXX XXXX XXXX. I had a {$0.00} balance with XXXX XXXX. The payment was meant for a different credit card. I contacted XXXX XXXX the next day to explain my error. They promised that the money would be credited to my XXXX XXXX XXXX account within 10 business days. I did not receive the money. I contacted XXXX XXXX and was told that my account was not valid. I explained that this is not possible. I did not provide any account information to XXXX XXXX they had it all on file. I still use this account to pay my bill. I was told that a check had already been mailed. That check never arrived. I contacted XXXX XXXX  again and was told that they had the wrong address. I explained that may be the reason that the credit did not go through. They refused to credit my account again and also refused to allow me to pick up a check. I explained my concern that I am paying interest on the account that I actually owe. They claimed that another check would be mailed. I followed up with XXXX XXXX and was told that the check should be at my home no later than XX/XX/XXXX. I have been out of town, but upon my return on XX/XX/XXXX there is no check here. I have made numerous calls to XXXX XXXX and at this point, I feel that I am being lied too. I recognize that this started as my error, but I do not feel that it should take 2 months to rectify.

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently reported  XXXX  loan servicing to all   XXXX   major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent altisource trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer   XXXX   over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.  XXXX    XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER  LENDER LOAN SERVICER OPERATION SEEKING THE MAX DAMAGES. I ASK THAT ALL  XXXX  MAJOR CREDIT R EPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Cash advance

Complaint: After using the service XXXX for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Bank of America has recently ( XXXX, 2015? ) reclassifed XXXX as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional {$10.00} fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such additional financial burden - it is the family of the prisoners who pay this fee, not the prisoners who are already being punished. Just to illustrate : My {$100.00} transaction was charged {$6.00} fee by XXXX ( which I was aware of ) then the credit card company charged an additional {$10.00}, then it is treated as a Cash Advance with 25 % interest on the TOTAL amount of {$100.00}, so more than {$25.00} in interest. I 'm not great at math, but I believe that puts the transaction at about XXXX cents on the dollar. The credit card companies do have a choice in how the classify these transactions. Please look into this matter. It is wrong on so many levels. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of XXXX my son found a house he wanted to purchase so we began the process of getting qualified since I was to be a co-signer I also had to qualify..the process took until XXXX of XXXX and we closed the loan on the XXXX of XXXX at the title company where we gave the money down and signed docs..On the XXXX of XXXX Nations Direct Mortgage came back and said oh the pest control report which included a schedule XXXX needed to be fixed prior to loan being funded..Why after they had the pest control report in their possession for 2 months did they come back 9 days after loan close to state this needed to be done..in addition they informed XXXX XXXX mortgage that if the pest control company could take the schedule XXXX off the report or change it to a XXXX then they could fund the loan..I have this email..The items that needed to be completed would cost the seller XXXX dollars plus which she of course refused to pay and she also had signed docs. So our money sits at the title company and we have to go through the process again which affects our credit since our credit will have to be checked again by a new lender plus the time and trouble we will have to go through getting the required information that a new lender might want. In addition we were never notified by the lender Nations Direct and or XXXX XXXX mortgage that we would be responsible for paying rate lock fees but we were indeed billed for approximately XXXX locks which amounted to over XXXX dollars..this is ridiculous..another issue was that XXXX mortgage shared income tax information with XXXX real estate agents of which I have the emails. I have already made this complaint to FHA and I was directed here..This was a horrible expierence for both my son and myself but especially for him as he is 1st time home owner..I hope the preverbial buck stops here..and that something can be done about this travesty

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 10/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: From XXXX XXXX to XXXX XXXX, I was unable to make the $ XXXX payment needed to keep my account active. XXXX XXXX and Navient reccomended at every opportunity to enroll me in forbearance and at some points told me I did not qualify for lower payments nor the public service loan forgiveness program despite working for a non-profit. I was able to learn more about the public service loan program and submitted the application and paperwork however it never arrived at Navient. Last month ( XXXX XXXX ) their stance has completely reversed and was informed of better repayment options through XXXX

Company response to consumer: Closed with explanation