milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is my Fifth formal complaint last XX/XX/XXXX over 30 days, and asks you to investigate the business practices of Transunion. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. Without proper verification by their company, anyone paying for reporting services could fax, mail or email in a fraudulent account. 
I have asked that XXXX Credit Card XX/XX/XXXX and XXXX XXXX Credit Card XX/XX/XXXX and XXXX XX/XX/XXXX, XX/XX/XXXX be removed as this was opened as a result of ID Stolen. This has been Removed/Deleted by XXXX and XXXX, however Transunion has been reluctant. My ID was stolen to Open Accounts with XXXX XXXX Credit Card- XXXX Credit Card and XXXX XXXX XXXX XXXX Of which I have sent in my Police report and Notice asking these be remove with immediate effect. Transunion 's failure to properly adhere has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, persons affected with ID Theft 's Accounts must be promptly deleted. I 'm asking them to provide me with a copy of an updated and corrected credit report showing these items removed. Failure to do so by Transunion this fifth time will pave way for a suit within 5 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (WV).
Issue: Using a debit or ATM card

Complaint: From XXXX XXXX, XXXX to XXXX XXXX, XXXX I was XXXX, durring these dates i had an account with netspend corporation where SSI benefits was being sent to. My account was used and funds spent out. In XXXX XXXX after being sent to an XXXX i found out they were spent illegally. I file an complaint against all transactions made durring that time ( dispute ref. # XXXX ), netspend only creditted {$600.00} to my account in XXXX, XXXX out of the {$1300.00} `that was sent to me from social security administration for two months ( $ XXXX/mo. ) that was spent out. I continue to call and request for the rest thats owed to me and they either tell me thats all they can verify spent but where no money in my account or they hang the phone up. Last contact where the call was hung up was XXXX/XXXX/XXXX at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I ordered a credit report from Experian on XXXX XXXX. The report number is XXXX. 

On my credit report XXXX shows a status : " Refinanced, closed/Never late. Balloon payment of {$57000.00} due XX/XX/XXXX. '' I called and spoke to " XXXX in XXXX XXXX '' ( that 's all the identification he would give me ) who told me that I should n't worry about this. It will just drop off my report XX/XX/XXXX. He agreed that since my status states " closed/never late '' there could n't be a balloon payment due. So I told him that the law requires Experian to remove any incorrect data from my credit report and that 's what I want them to do. He kept reading me my report - the statement above - and would n't agree to have the false information removed. 

I am asking that the CFPB require Experian to comply with the law and clean up my credit report. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: For the last several days, I have been trying to pay my credit card account with Citibank. Each time I call, I am rerouted to a person or a voicemail that tells me that has blocked my payment. I have also requested an email so that I can correspond with Citibank, but none has been provided to me. 
I am concerned that Citibank is not allowing me to pay as I regularly do, so that it can seem like I am not making any good faith payments and so that it can appear that I am not paying anything on my account. 
I have reached out to Citibank several times to resolve my account and to formulate a payment plan. 
Additionally, recently, I reached out to Citibank as they stated that they wanted to work with me and offer a Hardship Program. The question from the Citibank representative was, " How much could I afford to pay each month? '' When I told him the amount, he counter offered an amount at double what I said I could afford to pay. I was completely baffled as to why the question would be posed to me and then completely ignored. 
I would like to get my account in good standing with Citibank and pay a reasonable amount that is affordable. I offered to pay XXXX per month. 
I hope that Citibank is not being retaliatory in any way since I reached out to The Financial Protection Bureau. It is my hope that Citibank will work with me, as I am doing my best to pay what I owe and as a first time request, re age my account.

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 04/17/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately

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 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with CL HOLDINGS LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level fraud by putting this on my credit before contacting me as I have been at the address for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I am very concerned with the inaccurate information provide by Citi Corp Credit Services, Citi Centralize Recovery Bankruptcy Department, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX to XXXX of my creditors. 1. Macy 's XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. 2. Shell/CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 3. XXXX/CBNA XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 4. Best Buy Credit Services, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX. The information is inaccurate because I never have filed for Bankruptcy, there is no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. I have attempted time and time again to clear this matter up with Citi Corp Credit Services. I am treated like I committed a crime, their personnel is rude and only focus on collection money for credit accounts that have always been paid on time. The XXXX as well as the Macy 's accounts are paid in full. I am lied to over and over again with statements such as we are looking into the matter and no resolution ever takes place. I have been stoned wall since XX/XX/2016. The Shell credit card was reinstated only to be deactivated on XX/XX/2016. The worst part is that I am a XXXX so they are not only destroying my good credit and reputation but my career and in turn my life. I have filed disputes with the credit bureaus, reviewed my credit reports on-line and requested a copy of my credit reports. As you know it will take time to receive my credit reports. I have no way of defending myself. As a 15 years XXXX veteran and someone who continues to work to XXXX, I find it very scary that my life can be turned upside down in this manner. Clearly this is a mistake on the part of Citibank Citi Corp Credit Services yet I can not get anyone to correct this mistake and I have been trying to solve this issue since XX/XX/2016 only to be treated as if my life does not matter. In this country a criminal is presumed to be innocent until proven guilty, yet I am assumed to be guilty of bankruptcy with no indication of bankruptcy in my credit history and there is no court documentation or file number to refer a case of bankruptcy on my behalf. Please investigate this matter so this issue can be corrected and I can move on with my life. My credit cards with the listed companies have been placed on hold or cancelled due to this inaccurate information, please help me to resolve this situation and place my credit and accounts back in good standing.

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 07-10-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold my mortgage to Carrington Mortgage LLC in XXXX 2015. In XX/XX/XXXX, I paid XXXX {$310.00} to cover an escrow shortage. Carrington 's commumincations advised that I had a {$1600.00} shortfall. When I called to discuss this change, they advised that they are allowed by law to hold a 2 month cushion, which I understand. However, when I did an escrow analysis, I determined that they were overstating the shortfall by over {$500.00} because they were *paying* my homeowners insurance, town and school taxes one month before they are due, resulting in over {$500.00} of the shortage. I called and asked how they could pay the bills before they are even sent out, and they replied that the wanted to " make sure the homeowner was not late with a payment ''. While this sounds wonderful, it allows them to hold {$540.00} of my money in escrow in addition to the {$1100.00} cushion, which is {$540.00} that is not available to earn money for me. For example, my homeowners insurance premium is not due until XX/XX/XXXX, but the escrow statement notes that the payment is sent in XX/XX/XXXX. If Carrington does this for only XXXX mortgages, that 's XXXX XXXX in their bank account instead of the home owner 's account. XXXX recently sold XXXX mortgages to this company. If they hold just {$250.00} from each of those customers, that equates to XXXX in funds that have been collected early, and earning money for Carrington. Understanding that the law allows them to hold a 2 month cushion - {$1100.00} ( in my case ) x XXXX = XXXX in Carrington 's account instead of the home owner 's bank. 
I have owned my home for 16 years and never had any issue with XXXX or XXXX. I am astounded and appalled to know that this company is allowed to practice in a way that causes the consumer to remit funds that are not due for up to 60 days. 
I am in the process of refinancing, but after speaking with Carrington 's customer servcie department, have zero confidence that the funds in my escrow account will be returned to me in a timely manner. Reading the consumer affairs reports about Carrington lowers my confidence level even further. By the time the refinance is complete, Carrington will have over {$2500.00} of my money held hostage in escrow. I would like to know if there are guidelines regarding the process to return money in the event of a refinance, so that I have some ammunition when speaking with the Carrington customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC has violated RESPA 12 CFR 1024.17, Improper aggregate accounting in connection with the escrow account. On XXXX XXXX, 2017, Ocwen Loan Servicing , LLC, provided me with an " escrow '' analyzes statement. Page XXXX of XXXX reflects that Ocwen loan Servicing LLc collected {$480.00} towards the Flood insurance policy. The amount of {$480.00} is incorrect. Flood policy reflect the premium to be {$260.00}. Ocwen collected a higher amount seeking to pocket the difference. Thus, according to the insurance agent ( XXXX XXXX XXXX ), the flood policy was never paid by Ocwen Loan Servicing , LLC . This means that i was without flood insurance policy for an entire year while Ocwen Loan Servicing , LLc collected the amount from the escrow and failed to pay the insurance company. 

Page XXXX of XXXX, of the escrow analyzes reflect that Ocwen Loan Servicing , LLC collected the amount of {$3600.00} towards the Hazard insurance. Please see the attached Hazard Policy. The record reveals that the insurance policy premium to be {$2600.00} and not the mount described in the escrow analyzes. 

Ocwen Loan Servicing , LLC has committed fraud upon the escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing about how Bank of New York Mellon violated my rights during the foreclosure of our property at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX they failed to give notice when they secured the rights to the property in auction on XXXX/XXXX/2016 the first notice we were ever given was a notice to quit the property that was dated on XXXX XXXX XXXX and served to us on XXXX XXXX, 2016 Bank of New York Mellon NEVER sent ANY correspondence to ANY resident at the address they were forcing an illegal eviction because they failed to serve notice of ownership. My complaint is that Bank of New York Mellon is the acting in an illegal manor as the Trustee holder of the Certificate of the XXXX XXXX asset-backed certificates, series XXXX I am not sure I understand the legal terms but if I understand it correctly Bank of New York Mellon is a trustee for an asset backed security and they bought the dead of trust for this asset. It is very unethical and I feel that they violated our rights. I am seeking action against the Bank of New York Mellon

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 reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 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