milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX ACC # XXXX this is a fraud account -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Please update my number to my fraud alert to XXXX XXXX Those inquired are not mine XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX UNIVERSAL XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANK XXXX TU XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX STORES XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD BANKING XXXX XXXX/XXXX/XXXX XXXX BANKING XXXX XXXX/XXXX/XXXX XXXX CREDIT CARDXXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " XXXX '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditorsXXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 01/20/2016 about Debt collection (Non-federal student loan) with Kentucky Higher Education Assistance Authority (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Both parties have agreed on a {$100.00} a month payment agreement. Every 4-6 months I will receive calls at least twice a day lasting up to 2 weeks on my cell phone and at my places of employment saying they do not have a payment. I also receive letters stating I have failed to follow the payment agreements. I have spoken with XXXX and XXXX who are managers, informing them that payments were made and I do not owe, they will look it up and say I am correct. On XXXX/XXXX/2016 I received XXXX phone calls from XXXX XXXX on both my cell phone and at my place of employment by XXXX stating it was urgent and for me to call KHESLC. I called back to KHESLC and spoke with XXXX, I told her that I was current with my payments and that I informed XXXX back in XXXX to not call my places of employment. XXXX stated that I should NOT have received a phone call, that I was up to date on my payments, and that my due date was n't until XXXX/XXXX/2016, she said she would investigate the call and would take care of it. On XXXX/XXXX/2016 I received a letter from KHESLC stating that I had failed to follow the agreements of the payment plan. On XXXX/XXXX/2016 I received a phone call to my cell phone at XXXX from XXXX stating it was urgent for me to contact KHESLC. I called XXXX telling her that I received another phone call and a letter, and that a payment was made on XXXX/XXXX/16 and again that I 'm current on my payments and that what is being done is harassment. XXXX agreed and said she would look into it and call back. She called me back saying she spoke with XXXX XXXX and they both agreed that I should not be receiving phone calls or letters because I am current. XXXX said to call her back if I receive another phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: GREGORY FUNDING & the prior Finance Company are charging late fees that they created because they are selling my mortgage. Also, GREGORY FUNDING & the prior Finance Company are taking my money and they are not applying to my mortgage. They are using and charging for other charges that I did not approve. I also asked to GERGORY FUNDING and prior Finance Company to send my mortgage to a trustable Bank ( XXXX ) and they do not want transfer my mortgage because they want to continue robing my money. I am not agree to continue working with robbers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes has just initiated a new policy. Based on the way monthly payments are not structured, borrowers pay higher interest rate. Under the new policy, all auto-pay payments are processed on the XXXX - the last day of the billing cycle. If a borrower wants to then make an additional payment, it will be applied to next month 's minimum loan amount ( instead of the principle of the highest interest loan ). 

For example, I made my monthly auto-pay on the XXXX of XXXX. Less than 24 hours later, I made an additional {$900.00} payment so the entire payment would be applied to the principal of my loan. Great Lakes informed me that the additional payment is now being applied to the *next* billing cycle ( XXXX ). Instead of lowering the principal of my loan, it 's being applied as a minimum monthly payment for XXXX. 

If I were to make the {$900.00} payment earlier in the month, ( on the XXXX, for example ) before the auto-pay processed, I would be paying interest from the date of that payment until auto-pay. So my {$900.00} payment on the first would be applied to the minimum monthly payment and then I would pay interest for two additional weeks until my autopay processed on XXXX XXXX. Instead of paying on the first, if I make it on the XXXX, the payment goes to the next billing cycle and is applied as my minimum monthly payment. Inevitably, this means that borrowers pay additional interest on their loans. 

( Prior to this, a borrower could pay via autopay and then, within the same month, make a payment to lower their principal. I had done this for months until Great Lakes instituted this new policy )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our home loan, formerly XXXX, was sold to Green Tree. Bought our house in XX/XX/XXXX. Refinanced in XX/XX/XXXX. Ever since has been a nightmare. Last year - we were late on a payment due to my husbands seasonal lay-off. I was harassed at work - rep from GT told me if I did n't identity myself - the account would be locked and they would n't accept a payment. 
This year, we are a month late. Called several times for options - shut down every time. Threatened with Credit Score dings. Harrassed at work. Now I am expected to come up with {$1900.00} XX/XX/XXXX to pay for XX/XX/XXXX and XX/XX/XXXX mortgage. They will not accept 2 week payments for each month. Have tried in the past. Was informed the type of loan we have does not allow comprising. Left a horrible message on our home phone - asking if anyone was still residing in the home. This was due to getting tired of being treated like dirt by whomever I was lucky enough to talk to. We have a great payment history. Now for the first time, when we need help, we are treated like scum of the earth. I 'm beginning to wonder if they hate all Americans in general. 
After talking to a XXXX XXXX about the payments in XX/XX/XXXX, he stated that the harassing phone calls would stop. Guess what, they have n't. They called again this afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.

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 07/15/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In response to my complaint, case # XXXX, Bank of America responded with the statement " In regards to your monthly statements, the section labeled " current payment due '' demonstrates the currently monthly charges without late fees ''. This is false. Please have Bank of America explain to me how they came up with the amount {$1200.00} under " current payment due '' in the statement period XXXX/XXXX/2016 - XXXX/XXXX/2016 without including any late fee.

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 03/14/2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. 

XXXX {$32.00} & XXXX {$25.00} a piece.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have contacted Santander Consumer USA numerous of time regarding my account. I purchased the XXXX XXXX XXXX XX/XX/XXXX. I purchased the car for {$10000.00} ; I made a downpayment of over {$2000.00}, with monthly payments set for XXXX each month. I have had the car 4 years and the balance is more than what I purchased it for. Every payment that I have made went toward interest. The fees were so ridiculous that I had to send in a money order each month to avoid paying an additional fee for using my bank card. I then came into the problem with them saying they have n't received my payments, I ended up having to pay twice for the same month. I then started to making he payments with my card to avoid the problem of them saying they never got the money order, but I was n't able to continue paying the additional fee for using a card. So I sent money orders and they said they did n't get them, but this time I did n't know until I looked at my credit report. it shows that I am past due almost {$2000.00} for 120 days. They did n't call me not 1 time did n't send any letters. I called Santander numerous of times, they basically said there is nothing they can do. That they recently lowered the fee amount for making card payments but regarding the interest and fees I am responsible for those, that my car is up for repossession, and the amount has to be paid in order to remove the repossession order. I called back today XX/XX/XXXX I asked why have n't I gotten any letters, calls, or emails regarding the missed payments. The representative told me that in XX/XX/XXXX my account was sent to XXXX XXXX XXXX and all communications was stopped. They removed my online statements, so therefore I am unable to see what is actually do or anything the information that my online account shows is from XX/XX/XXXX. I called XXXX XXXX XXXX I spoke with one of the lawyers who told me they no longer represent Santander due to the predatory loan practices, they have n't representative them since XX/XX/XXXX, and they do not have any information regarding my account in their system. They never even received any thing from anyone with my name and social. This is ridiculous, Santander is a liar, and a scammer. I will attach the last statement that is on my online account, along with my payment history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was XXXX or XXXX  since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

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 04/23/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Bank of America. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Bank of America, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call BoA to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and BoA does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail.

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 Debt collection (Other (i.e. phone, health club, etc.)) with Universal Recovery Corporation (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Person called me from Universal Recovery XXXX on behalf of XXXX. The bill was {$92.00}. They want me to pay $ XXXXwhich I know I have to pay. I wrote a check and it bounced. When the guy called, he said his name is XXXX he was very rude and abusive verbally. I tried to explain what happened but he was loud and told me that " I should n't have wrote a check anyway and this is what I get '' I told him to never call me again. I called a couple of weeks later to try to pay the bill and a lady answered the phone. I told her what happened during the last call, she said " he should have spoken to me that way. She said that she was going to report me to the credit bureau tonight! Of course I got upset too but I was n't at work. The name of this business is Universal Recovery. I fully intended to pay this bill, as a matter of fact I called to pay it but this is the second time that I have not been able to because of the aggressive behavior on both their part. This company should not represent anyone. They did send me three letters but I was trying to explain that my son was XXXX and noting else was on my mind at the time. I pay my bills and still fully intend to pay this one but I need advise on another way to pay XXXX because I ca n't talk to these people again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I filed a dispute with the XXXX credit reporting agencies about Trident Asset Management reporting negative info on my report and I had no knowledge of this collection. File was deleted from XXXX but not from XXXX and XXXX. I contacted them uploading the results from my dispute with XXXX showing the account had been deleted. Trident Asset Management refuses to delete or have this negative information deleted from their ( XXXX and XXXX ) files as of XXXX XXXX, 2016. I filed a complaint via US Priority mail with tracking number, with the Office of Commissioner of Financial Regulation, XXXX, MD delivered XXXX XXXX, 2016 not hearing from them.

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 04/14/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute on XXXX XXXX. On XXXX XXXX I sent a follow up letter asking Equifax to remove the accounts in question that I disputed due to non-compliance which is mandated by the FCRA. On XXXX XXXX I received a letter from Equifax saying the accounts have been updated ( which is still inaccurate ). On XXXX XXXX I sent another letter asking them to please comply with the mandate set forth by the FCRA. Today I have yet to hear back from them. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Around the beginning of  XXXX  I sent a letter to Experian about the  XXXX   XXXX    XXXX     XXXX  loan for {$6700.00} appearing on my credit report. It says i took a loan out with them in  XXXX   2010 . During this time i was  XXXX   XXXX  to  XXXX  as of    XXXX    2010   . I did not take out this loan. I explained to experian that i tried to contact this company numerous times and have them provide proof that i got this loan, such as signed paperwork and the I.D . used, but they refuse.  XXXX    XXXX   XXXX   XXXX    refuses to give any proof and says they passed it off to  XXXX   XXXX . Calling  XXXX    XXXX   results in the same saying  XXXX  has to provide the info. I explained all of this and submitted a dispute with experian. Experian says all they have to do is call  XXXX   XXXX   XXXX  and if they say it 's legit, then they are good to go. I do n't think it needs saying how unacceptable this is as a response. If they can not provide me a physically signed copy along with the ID used to take this loan out, then this needs to be removed from my credit report asap.

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