milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Transunion on several different dates to have fraudulent inquires removed. I have mailed in all the required documents on two separate occasions, by certified mail. On two of the phone calls I spoke with someone who said they received the documentation and would remove them, but before I received the conformation number the phone was disconnected. I called back twice after that and they are now saying they do not have the documentation and they can not remove the inquiries. The last phone call I made was on XXXX XXXX, XXXX at XXXX am and I spoke with a supervisor name XXXX XXXX and he stated that they do have any documentation from me stating that these inquiries are fraudulent. He informed that they could not remove them.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After spending {$20000.00} for a {$14000.00} 2017 XXXX XXXX / XXXX XXXX a Car their Buy Program, I was denied {$0.00} down financing. I had just left my [ XXXX XXXX XXXX ], who have me recorded of having a XXXX FICO. But after a long, strange XXXX XXXX to XXXX, somewhere between XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX to date XXXX ) and the Credit Bureaus ( Trans Union, XXXX, and XXXX ), I was not only denied credit but XXXX therein presented me with what appeared to be a FORGED XXXX document bearing a XXXX of XXXX or so. I then told XXXX that this information is not only incorrect from the Bureaus were under Court Order : the residence issue : my address was supposed to have changed pursuant the XXXX XXXX XXXX XXXX ' findings : Mortgage Fraud, defendants : XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX for XXXX XXXX and wife XXXX XXXX / Section 1189 and G.C. 8224.1 Violators. See FERA Act of 09.  And that at least {$250000.00} ( USD ) was suppose to be reflected to each respective parties in concern, bearing case number XXXX / Related Case numbers as the Credit Burea account  numbers. However, none of these things have been done to date and or as the Law outlines.

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 03/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

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 Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Struggling to pay mortgage

Complaint: I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with United Collection Bureau, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: american express called my ex husband today and told them of a balance i owed. according to the fair debt collection practice act, you can not disclose this info to ANYONE!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Student loan (Non-federal student loan) with NELNET, INC. (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Consumer Loan (Installment loan) with SANTANDER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing the loan or lease

Complaint: Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.

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 08/18/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Paypal made a hard inquiry on my XXXX credit report on XXXX/XXXX/2015. This was not authorized and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a VICTIM of your " inquiry issue ''. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX customer service would not help to take care of the negative inquiries reporting to my credit report.

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 02-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (NE).
Issue: Settlement process and costs

Complaint: Issue 1 : I applied for Mortgage loan with Quicken Loan and they did my credit check and issued pre-approval and then we agreed for XXXX XXXX ARM loan@3.375 % for loan amount XXXX with estimated cash to close XXXX. I wrote an additional email to my mortgage consultant to get confirmation that estimated cash to close it correct and and if changes will be XXXX XXXX dollars and not significant. I got the rates locked signed documents for the above quote and have copy of the same with rate locked. On XXXX XXXX they uploaded another quote showing estimated closing cost almost XXXX which was a big shock. I was frustrated called mortgage consultant he said he will get it fixed but days went by nothing got fixed and I was concerned more, I kept calling and escalated till Director but no one helped they say that it was a mathmatical mistake and we cant do that.my decision is based on the quote which was locked on XXXX XXXX and I planned for only XXXX XXXX as closing and dont have additional to pay. I have talked to them but they are not helping at all and not honoring the quote we locked. 

Issue 2 : They mailed all my document containing my credit report, SSN, Date of birth, all my bank acocunts and credit card details to the New Property Address which has closing date XXXX XXXX instead of sending to my current address. They envelope went through many hands and when I finally I got it it was tampered and already open so all my confidential and credit information already got leaked. This is totally ridiculout and was also reported to Quicken Loan. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Trouble during payment process

Complaint: I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.

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 05/19/2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Billing statement

Complaint: I have a Dillard 's American Express card. I want to import the transactions into my XXXX software, but I can not. I can not get through to the customer service to get them to establish the online code/link to be able to get the ledger of the transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: sometime on or about XX/XX/2016 the company by the name XXXX XXXX XXXX an office locater in XXXX IL XXXX. I have notifly this company and experience about this inquiry that has damage my credit with my creditors. I have no reason to file bankrupt my husband and I have about 90.000 00 per year income .while checking my most recent credit report. I noticed credit inquires that I did not authorize, I did not authorize anyone employed by these company to discuses any thing about us file bankrupt .which is serious effect our borrower power from the bank we do business with. by this error been on my credit file that I did not authorize. I have notify Experian  number of time to removal this from my file.. this is a violation of the fair credit act 1681b ( C ) and a serious breach of my privacy right. I ask Experian  to request a validate of my signature from this company .and there comment to me was that this firm is not a part Experian to contact.in the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. please note that you have 30 day to complete this investigation, as per the fair credit reporting act section 611.

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 04-04-2015 about Debt collection (Credit card) with Continental Finance Company, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Sent them a check for almost $ XXXX. They received and cashed the check but it 's been 2 weeks and my account has not been credited. Called several times and no one can help. Trying to do the right thing by honoring my obligation but it 's turning into a huge headache. In the meantime, my balance is stilll collecting interest.

Company response to consumer: Closed with explanation