milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2018 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: Information belongs to someone else

Complaint: I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to Transunion it was claimed that they had PERMANENTLY BLOCKED the fraudulent information/accounts. 


Sure enough today I see this fraudulent accounts again! The other consumer credit reporting agencies furnished a block once they said they did but Transunion for some reason did not block XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX once they had already told me they permanently blocked them and had closed my complaint with the CFPB as Closed with Non Monetary Relief. 


This is not right at all, they removed the information then told me it would be permanently blocked, then proceeded to continue to report them?. I have spoken to the original credit issuer and they have even sent the account to be deleted! Im not sure whats happening at Transunion but I will be contacting the XXXX XXXX County Attorney Generals office to see if this violates any laws with the FCRA 2009 as im sure it does, just reading what his office told me it is already violating this : Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days Please just do as you said in the previous CFPB report, Im truly just trying to get on from this horrendous time of theft in 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 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (FL).
Issue: Problem when making payments

Complaint: On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies. 



Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.

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 09/30/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: This is related to Paypal credit, In 2013, I signed up for Paypal credit and used it to shop online. My paypal account is connected to my bank account, and in the first few months the credit balance was automatically charged out of my bank account. However, it seems that they changed this setting along the way without my permission. So I was shopping online while my credit bills were not paid, and they did not send me any emails about this. I had a {$500.00} credit there and used about {$200.00} of it, thinking all the time that bills are automatically drawn from my bank account. 
Then after a few months I get a letter from a collection agency. Turn out that Paypal ( or their partner, synchrony bank ) charged me about {$40.00} for late fees each month, and then charged off the whole balance ( {$200.00} spending + {$300.00} late fees ) and sold it to a collection agency, which hugely affected my credit score. 
I ask you to please look into this, and let me know how I can get rid of this debt. ( I have no problem re-paying the {$200.00} that I actually spent )

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 03-10-2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: I applied and was approved for a Double Cash credit card on XX/XX/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manager/team lead. I was then told that the card was shipped via XXXX on XX/XX/XXXX, and was told that it typically takes only 5-7 days to receive the card. It has now been 14 business days since the card was supposedly shipped to me, yet I still do not have a credit card. Due to gross incompetence and deception by Citibank 's customer service, I am cheated out of both a credit inquiry AND and a credit card for which I was qualified to get.

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 11/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: ENCLOSED YOU FIND A FORENSIC AUDIT SHOWING THAT THE TRUST NEVER RECIEVED MY LOAN AND THAT THE SERVICER AND WELLS FARGO HAVE FRAUDED THE COURTS AND I WILL LOSE MY HOME BECAUSE OF THIS FRAUD

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 08/23/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a loan with  XXXX . The last activity on the account on my part was   XXXX   2009. My credit report says that I refinanced the loan, but I never did. It says " refinanced, closed/Never late, but the unfortunate truth is I stopped paying the loan prior to  XXXX  2009.
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The partial account number is  XXXX . The address identification number is  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 non-monetary relief
Consumer complaint received 06-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other transaction problem

Complaint: On XXXX XXXX 2017, my checking account was electronically debited for {$110.00} by Capital One. SInce I was not aware of having specifically done business with Capital One, I called ( several days later, but as soon as I noticed the charge on my statement ) my Financial Institution, XXXX XXXX XXXX, in order to ascertain the origin of the charge. My XXXX representative then placed ( and recorded ) a three-way call to the Customer Service phone number we found on the Capital One website. Initially, the call was answered by a Capital One representative in XXXX who was unable to trace the source of the charge. We ( the XXXX Rep and I ) were then transferred to a call center in XXXX XXXX ( I do not recall the Nation, but made note of the Continent ) where the Capital One representative was also unable to provide the answer to my question and was moreover unable to forward us to somebody who Could do so. At this point, I felt my only choice was to issue a " stop payment '' order to XXXX, a process for which there is normally a FEE. My XXXX  Rep was cooperative and helpful in taking this action. I signed and returned the paperwork on XX/XX/XXXX, and XXXX promptly executed my order. Within 48 hours of the " stop payment, '' action I was notified of my failure to pay a Legitimate Bill by the Menards Credit Card Division, the ACTUAL source of the bill, and that I could be subject to " late fees '' or other penalties. When I initially obtained my Menards Card, XXXX was the entity administering the account. When Menards subsequently changed their service provider to Capital One, I was duly and properly notified, but, being a mere mortal Human, I FORGOT. Because the " fault '' was mostly my own, I DO NOT complain of any illegal financial dealing. I complain of Capital One 's Inability or Unwillingness to answer what I considered a simple and straightforward question ( i.e., " what am I paying for here? '' ) to which a satisfactory answer would have PREVENTED my taking the " stop payment '' action which in turn subjected me to possible fees and/or penalties. For my part, I was Perfectly Willing to provide detailed information ( name, address, even, if necessary, Social Security number ) to locate " my account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing has violated 12 CFR 226.13, FDCPA, 15 USC 1635, TILA Rescission served upon them timely. Ocwen after being served notice of Rescission, TILA in Rescission and Billing Error Notice, alleges to have sold the loan to another debt collector without providing any disclosures in compliance with federal law. Ocwen also was served IRS Forms XXXX XXXX & XXXX and thus failed to take the necessary action. Ocwen reported adverse action credit reporting agencies in violation of 226.13 ( d ) ( 1 ) 12 CFR 226.23.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I requested verification of debt owed on XXXX XXXX, 2014 from XXXX , XXXX via certified USPS letter which was signed for and accepted on XXXX XXXX. 

XXXX , XXXX did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving a XXXX XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My husband attended XXXX University online from XX/XX/XXXX to XX/XX/XXXX. We had to take out student loans to pay his tuition, and Federal loans were not an option for this school. We took a loan with XXXX XXXX. Unfortunately, a few months before he was set to graduate, my husband became XXXX suddenly and hasn't been able to work outside the home since then. We have been working with XXXX XXXX ( now Navient ) to take part in a Rate Reduction Program since we first were required to start paying back the loans. Every single time we have reapplied for the program there have been problems with our payments. They took out 2 payments in the same month several times. They changed the amount they withdrew from our bank account without telling us that there would be an increase, which caused us to be overdrawn multiple times. They have also taken the payment out on the wrong date either before it was supposed to be withdrawn from our account, or after, for which they then charged us late fees.Every single time I have been on the phone with Navient regarding these loans I have been given the run-around. They have not made the terms clear to us and have caused a tremendous amount of stress to me and to our family.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Savings account) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: When I opened up my account in 2014 never received the disclosures XXXX XXXX on XXXX XXXX I 've asked numerous times not to be contacted or advertisement to be mailed out

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Closing/Cancelling account

Complaint: I opened a credit card from JCPenny in approximately XX/XX/XXXX which at the time when the initial credit line was given the owner of the line of credit was GE Capital. I have faithfully paid for my credit balance since that time and even recently paid off the complete balance toward the beginning of this year XX/XX/XXXX. It was at this time when Synchrony Bank acquired the accounts from GE for all JCPenny accounts. I was recently notified after the fact that Synchrony Bank had closed my account without relevant reason and without provocation or even my consent or knowledge. Without my consent or knowledge they obtained my current credit score which is what they stated they used to determine to close my account which negatively affected my credit standing even further and again without provocation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services, effective XXXX/XXXX/15. I did not receive notice of this until it was too late to stop the automated XXXX mortgage payment to XXXX. I spoke to Carrington on XXXX when they called to tell me that i was a month behind. I explained that I had paid XXXX, and according to the terms of the loan transfer XXXX was responsible to get those funds over to Carrington. The Carrington rep then told me that they in fact did have XX/XX/XXXX payment, but had not applied it to my loan. She assured me that she would correct it and I would make XX/XX/XXXX payment to Carrington. I set up autopay and XX/XX/XXXX payment was posted by Carrington on XXXX. On XXXX I received registered mail from Carrington advising me that I was in default by 2 months and they had filed an intent to foreclose. When I called Carrington they were unconcerned about the notice and told me to disregard. My understanding of the loan transfer procedure is that they can not make collection attempts, file intent to foreclose, or report derogatory information to a credit bureau for 60 days, yet this company has done XXXX of the XXXX already. Online Scam alert sites are replete with horror stories surrounding Carrington Mortgage Services. Please review for yourself and address ; I have never been late with this Mortgage ( 8 years XXXX and have an excellent credit bureau ( XXXX ), these bullies are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: The complaint is against Seterus Inc, " debt collectors and servicers. '' As many as ten times we have sent in extra lump sum payments to be applied to mortgage principal, only. On every occasion Seterus applies the check to regular monthly payments. When we call in to correct the matter, we are kept on the phone as much as 45 costly minutes while they reluctantly handle the matter, and try to assert we did something wrong ( we always write a detailed letter with our check including all requested and relevant info on the check itself ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has changed my student loans back to active, when they were included in my bankruptcy and deferred payments until XXXX 2016. They reported this information correctly 7 days ago on my report and are now reporting this information wrongfully. At this time I will be retaining an attorney to help assist me in fighting their negligence. They are breaking the law with what they are doing. Nothing is being done about this and I am currently disputing this with Equifax. But again they wo n't let the consumer that pays to have access to credit monitoring dispute things online. They are purposefully reporting wrongful information on my credit report because I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Phoenix Recovery Group (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested debt validation on XXXX XXXX, 2016. The collection agency has never responded to that debt validation and is now in violation of the FDCPA, FCRA, as well as the Texas Finance Code as they placed it on my credit file and have continued to try to collect on the debt. They have however, verified the debt with each credit bureau.

Company response to consumer: Closed with non-monetary relief