milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2018 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: I started this process in XX/XX/XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XX/XX/XXXX into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have 7 accounts with the same account number of XXXX and 3 with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through fed servicing now. Even though they show charge off they also reported a 120 day late for XX/XX/XXXX even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

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 03-06-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We need our : YEAR END TAX STATEMENT. We have not received it yet, from Roundpoint Mortgage Servicing Corporation. 
We called on XXXX/XXXX/16, We were told : in 3 business days, but we did not receive anything. We called again on XXXX/XXXX/16, left and message to be called back but never received a call. We called again on XXXX. XXXX, 2016. In desperation, we tried to set up an online account and were absolutely unable to do so. We also sent a certified letter a few days ago.

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 01/31/2018 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (IN).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I, XXXX XXXX, finance a XXXX XXXX XXXX on XX/XX/XXXX for XXXX through XXXX XXXX XXXX. The interest rates the company was charging is 25.00 % added onto my loan. When my loan ends my total price of the vehicle will be XXXX. For the state of Indiana the legal rate is 21.00 % and 25.00 % is over way the limit. This limit qualifies as a usury. Since XX/XX/XXXX I have been trying to trade in my car because my family has expended and I can not due to the outstanding balance still on my loan. In the process of doing so, a dealership manager made aware that the loan institution has rates the interest rate even more on loan 00.39 % more which makes the interest rates at 25.39 % now. I have reached out to XXXX XXXX XXXX, they have did nothing to fix this situation. I have reached out to lawyers and they all stated this is against the law. All I want the XXXX XXXX XXXX to do is lower my rates or let me out my car loan so I can get into a vehicle that is affordable and efficient for my family size now. As of XX/XX/XXXX, I still owe over {$14000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Pro Collect Has told me that they do not have to provide me with papers I have supposedly signed from a debt that i do not owe 3 years ago. I did not even know existed they were rude and told me they will send me mails and call monthly until paid. they are rude and provide no proof of what i supposedly owed. the Apartments were no help also stating they could not find my record are my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with Commercial Recovery Systems (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Commercial Recovery Systems , Inc. 
Contacted me XX/XX/17 from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by XXXX XXXX, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with XXXX. After speaking with XXXX, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.

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 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX / XXXX / 2017  my cell phone company,  XXXX , withdrew {$70.00} an automatic payment from my checking account ending in #  XXXX . There was a remaining balance of I believe {$1.00}. Then the following d ay Wells Fargo returned th at payment and posted those funds back into our checking account. Now having {$71.00}. I withdrew {$25.00} and purchased a couple of items from a local supermarket on  XXXX / XXXX /2017. Then  Wells Fargo B ank reposted the amount charged by  XXXX  in the amount of {$70.00}, which therefore now left me in the negative balance. Then the following day on  XXXX / XXXX /2017  Wells Fargo Bank c harged our account for an overdraft fee of {$35.00}. This overdraft fee I believe is not a just fee, since the bank was the one who withdrew the funds without advising that these funds were going to be withdrawn. We had the amount in the account for these fee 's and were able to cover the payment had they not removed it. If they had advised us these fees were going to be withdrawn then reinstated then the following day we would of not withdrawn the {$25.00}, nor done the purchase at the local supermarket. If you see I made another payment of {$50.00} on a different account fro m Wells Fargo B ank with  XXXX  and these funds were not withdrawn the following day. I spoke with  XXXX  and they had told me they received the funds on  XXXX / XXXX / 2017  and never reposted the funds back into my account to withdraw it the following day. The confirmation number they gave me if you need it is the following confirmation #  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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX, I contacted Equifax for the status of a dispute with XXXX XXXX XXXX indicating that the account is not mine. The representative, XXXX, informed me that the account has the same name and social security number as my file, therefore it has been verified. I asked her how did Equifax verify the information. XXXX 's reply to was, the account has the same name and social security number as your file, therefore it has been verified. I asked, " Did you receive any valid information from the creditor?. '' XXXX stated, " XXXX did not send in anything ; however, the account has the same name and social security number as your file so it has been verified. '' I asked XXXX that if XXXX never replied with any valid information or any information at all then how can you say that it has been verified? She replied, " The account has been verified. '' I explained to her per the law, a debt has to be validated in order for it to be truly verified, so what information do you have that says that this account has been verified? '' XXXX replied, " I do not have any information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Two tax liens are incorrect and reporting with Transunion. I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue website below XXXX/Search.aspx

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 08/14/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX XXXX in settlement on an old account. *****************. We entered a settlement agreement of {$2000.00} which was paid in XXXX installments of {$340.00} and {$1700.00}. The credit burea does not reflect these payments or a zero balance.The account has been paid in full. Repeated requests to update or delete has fallen on deaf ears. All documents/cancelled checks have been forwarded to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient took over my loan from my previous loan servicer, where I had a 1 % interest rate reduction for maintaining autopay. When I was switched over, I needed to sign up for autopay over again to retain that discount. I did so, however i also needed to switch bank accounts. Unfortunately, the web site was giving me several problems and I spent hours fighting with it. I finally was under the impression that the autopay went through with my new bank account, but it did not in fact go through as expected. As time passed, I was charged for a late payment, and quickly reinstated autopay. When I called to address this issue, I also noticed that my rate had increased by 1 %. To add insult to injury, they blamed me for not making the payment on time, and refused to return to my original interest rate. They even refused to refund the late fees. I called again and asked to speak to the manager. They put me on hold multiple times, for several at a time, giving me the impression that they were working to resolve my issue. They ultimately informed me that they would send it to someone who would potentially fix the rate issue as a courtesy. Nobody ever got back to me, the late fees were never returned, and my rate is still 1 % higher than it should be. There seems to be nothing I can do. I have had these student loans for over 10 years with a previous servicer and never had a late payment in my life. One missed payment that occurred because of their broken web site, and I am now paying them a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have place a called to the credit bureau ( Transunion ) today XXXX/XXXX/2017 and told them that I have notice on this passed weekend that my inquires were reinserted back on my credit remove that was previous remove. I also had XXXX collections that were removed and them add as a new account. I need to have this taken care of ASAP. They told me that there was nothing they can do.

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 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with KeyBridge Medical Revenue Management (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: hi i just found out that bad information from collection agency keybridge medical revenue sent to XXXX and it ruined my credit i just cant see hou they can pull a name out of a hat and send it they said the creditor witch is XXXX sent them the information and they sent it to XXXX that is a lie XXXX sent them paper work and a ss # of the real person since i have the same name of this guy and they could not find him they used me i think something has to be done how can they get away with this please help me i am under full and permanently XXXX i had my XXXX i cant take much moore of this please help

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I want to report  XXXX  credit card companies that keep disputing me and reporting me to the credit bureaus and making my credit very very bad. I have a socre of less than  XXXX  when I should have a  XXXX  or higher. I swear to you and the government that I never was late on any bill in my life. My husband late  XXXX   XXXX   XXXX   XXXX  was  XXXX  of   XXXX   XXXX   and we pay our bills even after he  XXXX . I have a Problem with  XXXX  and  Citic be cause I file a FTC report with Federal mCommission which my grandchild did for me and I also file police report 2 times and sent to both companies and still they fight me and will not remove from  XXXX ,  XXXX , and  XXXX . I have the files where I sent information. They sent  thousand of pag es of statements to me but no signature where I started the accounts. I swear I did not do this then they say my children or son in law do this but then I asked them for proof that it was my family and they did not sent and told me it was proof from transfer to another fraudulent account that is also on my credit. Then they say that I have funds transferred to a bank account at  XXXX  also that I did not open up.  Pldease, I am  retired and on benefits from my deceased husband who died of   XXXX   XXXX   XXXX   and I can not afford an attorney to fight this. This has caused me so much stress over the years and I am sorry for the companies that have been wronged with credit use and loss of money but I did not do this!!! I will go as far as an attorney if you can find a legal aid for a retired person on low income because I am not liable and I do not like my name is ruined because of these things on my credit bureau. I have never used my credit that much in the last 20 years except  XXXX ,   XXXX   XXXX   XXXX   and I assure you, I was never late for those or  XXXX  and  XXXX . I never was late on any bills ever. I had  XXXX  card with my husband ove r 20 or 30 y ears ago and never was late.  I had Sears  and  XXXX   XXXX  cards and never was late either. Please investigate for me.    XXXX   sent over one hunder eds of papers with statements and none with my signature on it. Citi said I transferred money to a  XXXX  account but I did n't even know they have a bank account in my name. I have talked to all of my family members and they did not do this because they say family did it and if so, then so be it. Whoever is responsible should pay for it not me. I need help with this please.

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 10/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: I just want to bring to your attention an issue I had with XXXX XXXX ( formerly known as NationStar ). During my recent mortgage payment I made an additional payment on top of my monthly mortgage. I am up to date with my payments. Rather than apply my additional payment to my principal, they used it as an additional monthly payment. I find this very troubling because this result in the additional payment being used to pay for interest and it increases the interest I will be paying on the mortgage. 
Before XXXX XXXX, my mortgage had other servicers and this is the first time this is happening. I think this kind of behavior is n't in the interest of their customer. It helps XXXX XXXX make more money while cheating the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit score is in the low to mid XXXX 's despite a perfect payment record.. My total debt is about 5 % of my net worth, most in XXXX securities. Why is n't my score perfect? Checking my credit reports they seem accurate - perfect payment history! No court judgements, no bankruptcy history, no unpaid debts, etc. But, it seems misleading. I pay my only credit card off in full every month, no carry over balance, but it shows a max charge vs the limit even though paid. I keep my limit low to minimize identity theft and credit theft limits. My second card is a debit card, also paid every month. I get no reply to my specific question why my score is so low so I ca n't provide the information to resolve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Making/receiving payments, sending money

Complaint: I set up an Account with WellsFargo in 2008. I made a settlement to pay off XXXX account. Today I received a call saying I have another account that needs to be paid off. Again they made another settlement. I just want to be sure that I 'm not just giving wellsfargo money after reading about all the fake accounts.

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is.

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 04/25/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Chase, I appreciate all of your assistance regarding mortgage and explaining XXXX XXXX XXXX handled the foreclosure process in XX/XX/XXXX 
XXXX XXXX XXXX - appears to not be aware of bankruptcy proceeding until recently. 
XXXX XXXX XXXX - appears details may have not have been provided regarding foreclosure. 
Improper transactionmistakes and errorsappears to be a void-able deednotary revoked for code violationsappears to be a void-able eviction/unlawful detainer has wrong title sale number XX/XX/XXXXeviction during bankruptcy XX/XX/XXXX - XXXX and agents presented no bankruptcy documentseviction filed using title sale number foreclosure that was rescindedrecession shows bank was working with meinterest remained in propertymy biggest regret not paying mortgage to WaMu - as WaMu stated this was the only way to obtain a modificationAs well as any notice that Chase took over WaMu XX/XX/XXXX- XX/XX/XXXX - this may have prevented mistakes and errors that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Original Creditor sold " Charged off '' debt to another collection company and has " re-aged '' the debt with false info of when I started the account which is wrong. Original Debt to be cleared with Bankruptcy discharge

Company response to consumer: Closed with non-monetary relief