milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: With the recent data breach affecting Equifax, I am concerned with the security of my credit/personal information at their bureau. In effect, the security at other bureaus concerns me as well.
It worries me that 1 ) the hacks were known nearly a month in advance of the reports breaking about a breach and 2 ) recent reports have shown 3 managers sold stock in the company before the hacks even happened, leading to a suspicious narrative around inside gaming and trading.
The result of this breach, if the reports are to be believed at their worst conclusion ( personal data is now public ), I can never truly feel protected from identity theft, or worse, even by our most trusted institutions, and must have permanent restrictions ( such as credit freezes ) on all my accounts to protect my identity and financial security.
As a concerned citizen, thank you for looking into this.
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX of 2013, we have been attempting to save our home from Citimortgage 's repeated attempts to foreclose, despite our best efforts to remand the past due amount, then apply for hardship assistance, then be forced to wait months and months for any answers- We now see that this deceptive and potentially illegal systematic attempt to ensure we can NEVER afford to get caught up is in fact the desired goal and standard operating procedure of Citi in its delinquent mortgage handling. We have been asked to submit over XXXX separate packets of basically the same, highly sensitive and largely unsecure personal information for over XXXX months to Citi and its forclosure attorney under the guise of actually helping us resolve the outstanding debt. Each time we are told some minor detail was forgotten or that a new set of pay stubs, employer verification. etc is needed and the total amount owed keeps rising to a point we can NEVER hope to feasibly afford- all due to the consistent pattern of procrastination and delay by Citi in its '' hardship review '' or underwriting process. Had we been allowed to keep making payments throughout this ordeal- we would be no further than XXXX or XXXX payments behind. As it stands, after Citi illegally cancelled my electronic payments in XXXX 2013 and stopped taking payment ( because they were intent on foreclosure ) since then we owe over {$10000.00} in legal fees, missed payments, etc. in a home we have outgrown and have negative equity in after XXXX years. My american dream, along with my credit have been broken by Citimortgage and it simply is not right and needs to be addressed so others wo n't have to endure the same financial disaster we have been pulled into by Citi. My wife an I are XXXX and have limited earning potential, making it even more difficult to address such a monstrous amount that should NEVER have gotten so high in the first place! Citi is solely responsible for this and should be punished for their malicious and repeated attempts to take away a home for my children!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

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 09/30/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (KY).
Issue: Account opening, closing, or management

Complaint: I opened an account with PayPal thinking I could get started on doing business with them and I added money to my account using a mycash code, which I guess they do n't really like people using so much but if that was the case why have it as an option to add money? My account has had XXXX credit card chargebacks since XXXX XXXX and I have XXXX open disputes and claims even though the account has only been open for a about a little longer than a month. There is no reason for holding XXXX dollars that I recieved as a gift since XXXX XXXX, 2015. From the research I have done, there is no legal justification to hold my money for this amount of time either, regardless of what your terms of service say. PayPal has taken my money from me and is basically telling me because they feel as though I 'm s " risk '' they reserve the right to not do business with me and keep my money for 180 days! This is unfair and I have things to do and pay for. It 's wrong for a company like that to take people 's money like that and decide when it is okay for them to give it back. I 've uploaded all necessary documents they 've asked for and they said that it was all okay until I spoke to XXXX rude reps over the phone that basically said they needed my Ssn again after the tenth time of uploading it!! They keep asking me for documents that I 've already uploaded and are making excuses at this point! I will forward the complaints to your office as well. I am a reasonable person and all I am asking for is the release my funds now. Thank you for your attention and I am sorry we were not able to come to an amicable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with Kingston Financial, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection document from XXXX XXXX XXXX regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at XXXX XXXX XXXX and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is Pyramid Aquisitions. According to the information I 've received from XXXX, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Untimely response
Consumer complaint received 04/20/2016 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: My husband and I issued the attached complaint letter to Fifth Third Bank attention Office of the President. We received an apology letter as a response. I do not feel that this is sufficient based on the banks shortcomings in their communication, lack of preparation for the new mortgage guidelines and delays in the closing process. Our closing process was the most stressful situation we have ever experienced and this is admittedly Fifth Thirds fault.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (WI).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, my recently deceased father was gifted an individual IRA Retirement Certificate of {$2000.00} from XXXX Wisconsin. This bank was purchased XX/XX/XXXX by TCF Bank. For the last two weeks, I have been speaking with TCF Bank whom can not locate the account ; even though I have provided all the requested account numbers, social security information, and even pictures of the IRA Certificate ( attached ). TCF can not locate the account/nor can not tell me what happen to the funds. They have also not offered to honor the Certificate with interest. Myself and XXXX siblings are the beneficiaries of this IRA, which we can produce. TCF Bank has failed to provide any information about what happened with this account, as it was not cashed. They can not just keep our money, which was saved in an IRA for over 30 years, so to accumulate interest. I have contacted the FDIC and also the Unclaimed Property Division ; whom confirm that TCF did take over XX/XX/XXXX ; and unclaimed property indicates they do not have these funds - and usually do not get IRA 's. I have also reached all to the Controller of the Currency on this matter. TCF is acting in bad faith for no honoring the IRA that can be produced by my family, giving the excuse they lost or can not locate the account. The failure of them to locate the certificate/account is not my family 's fault. This has caused undue duress on our family, whom has already lost a father and utilized too much of our time trying to claim funds that TCF Bank continues to provide us.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing refuses to cancel private mortgage insurance on our loan, despite a loan-to-value ratio below 30 %. Their justification is an inaccurate, erroreous broker 's price opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I made a FDCPA formal inquiry into XXXX AKA XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. 

At this time i would like to know if Experian is depriving me of my consumer rights under the Fair Credit Reporting Act. 
And I have received no communication from XXXX OR XXXX regarding this matter so can you please investigate this as well. 

If these companies are found in violation I believe I am due {$1000.00} per occurrence. 

Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like these Bureaus held accountable if indeed I am correct.

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