milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting a charge off auto loan on my credit with a balance. 
I have called and repeatedly ask for this debt to be remove, they have not supplied me with an itemized statement or signed loan original paper work. I would like this removed from all 3 credit bureaus.

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 12-12-2017 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: Sent Freedom a Certified check for mortgage payment at there request. They would not allow me to do online Bill pay or pay online. Must be certified check per there representative. Sent on XXXX XXXX and was delivered XXXX XXXX to PO box specified by Freedom Rep. After payment was never applied to funds a week later I began calling trying to find out why. Per Freedom the check was sent to a different processing center in Indiana and would be applied to my account once received. After 2 weeks no funds applied, sent by fax receipts for Certified check and had to submit a written request for inquiry. XXXX XXXX they said they got my request and opened a help ticket, I was instructed to call back in 10 days. 10 days called back case was closed because they needed more proof I sent payment other then them signing for the check. obtained Proof from XXXX for cashed check front and back and faxed AND emailed to customer care the first of XXXX help ticket reopened told me to call back in 10 days. I called back they did not receive the the fax or email! help ticket was closed. Sent to work email of case worker per her request she would ope help ticket. 10 days later I called and she did not receive my email. I resent the email with her on the phone and she finally recieved it. I was told to call back in 10 days. I called back. I was told to call back in two days. I have called Freedom Mortgage over 10 times, they have never returned my call. usually I am placed on hold for 30-40 minutes before I give up and hang up. I emailed them and faxed them 3 times all the paper work they required. There stories keep changing of where my check was sent to. They send me Demand Letters for missing payments 3 times a week. I was served at my home by a courier service for missing payment, they claim they did not hire him.I have been charged Late fees and Home inspections fees for the missing payment. They have been reporting to the credit bureau since XXXX that I have been delinquent. Yet My payment was n't missing until XXXX. They will not return my calls, they are avoiding me, and have no idea where the cashed certified check made out to them is. It has been 5 months of my constant calling and emailing and faxing everything they requested and still I am in delinquency.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

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 01/18/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I had a credit card accounts with SYNCXXXX that got delinquent due to personal issues. When i got back on my feet I settled this account under the agreement that it would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove the account from my credit reports. here are the partial account numbers listed on the credit bureaus 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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, I had been approved by Capital One to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my XXXX XXXX and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my XXXX XXXX in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: There are unauthorized charges to my debit card in excess of {$300.00} posted on XXXX/XXXX/2017. I went through all the proper channels to resolve this dispute as it is Bank of America 's statement that a customer is never responsible for unauthorized charges made to their bank card. My claim was denied THREE times. They sped through a myriad of reasons on why they denied my claim that are all based on speculative " evidence. '' I felt like I was being treated like a criminal when I 'm the victim of fraud. One reason for denial was that the signature was similar to the one signed on the fraudulent purchase. The only problem is that on the back of all their cards, it clearly states that the card is not valid or authorized until signed. As a result, ANYBODY can glance at the back and forge a signature so that evidence just throws itself out the window. Another reason for denial was that I did n't report it in a speedy manner. This one makes me cringe. As per Bank of America 's directions, they advise to wait till the bogus transaction posts, contact the company FIRST AND THEN contact the bank if there is no resolution ; I did just that in a timely fashion. So again, this denial reason is ludicrous. This joke of an investigation is criminal and so are the practices of this bank. They have denied my claims before and are rarely, if ever, on my side. But this time, I 've had enough being stepped on and bullied. The so-called investigators have Bank of America 's interest in mind and are n't concerned to whether or not there is actual PROOF, their job is to deny claims and save and generate money for the bank in a bureaucratic fashion. This is a conflict of interest. The letter that this bank has send me with their " proof '' is all speculative. And speculation never trumps real evidence. I BEGGED for video or photo evidence and was told they do n't do that. We are talking about a stadium that holds over 55,000 people and there is n't one camera around? So anybody can abuse my card, forge my signature and I have to pay for it? If I ca n't trust my bank to back me up, then who will? This is truly disturbing. I need help to rectify this situation please. No one can or wants to help me!

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CRA VIOLATION / NEVER LATE ON THE ACCOUNT. 
CRA VIOLATION / NO KNOWLEDGE/ TOO MANY INQUIRIES ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Struggling to pay mortgage

Complaint: Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). 

Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. 
This account is CLOSED-SETTLED. 

However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.

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 06/29/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Deposits and withdrawals

Complaint: I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2018. My name is XXXX XXXX. I am writing this message in regards to more than several different accounts and inquiries your company is reporting inaccurately. I am disputing these accounts and inquiries as an internal dispute and as fraudulent accounts which you have 3-5 days to correct and remove permanently. I am unaware of the accounts and inquiries youve listed on my credit profile. I demand that theyre removed in less than 72 hours. I have attached a letter down below.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX continues to claim I owe them {$900.00}. I have never opened an account with XXXX and they can not supply you with a single signature or contract which I have signed proving so. This collection agency has n't even contacted me to resolve any issue. They directly went to the credit bureau reporting me which is also against FCRA policy. This has been deleted from my credit report 4 different times with XXXX different collection agencies. Please assist me with this. Further proving my point, they also had an address on file for me that I 'd never lived at before. I attempted to explain this to XXXX and they acted like they would remove my name from the debt. Afterwards, I began receiving bills for {$900.00} from debt collection agencies. I get at least XXXX I have to request removal from my credit report twice a year.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: : I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: paid off debt for XXXX sent me to collection for paid bill wo n't remove item.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid XXXX ( XXXX 's XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number 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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received my credit report and noticed that hard inqueries were readded to my credit file after being deleted. After calling Transunion and requesting inqueries to be removed Transunion would not remove them. Upon further investigation I found out that they were removed and added back because of some type of computer glitch within Transunion 's system in XXXX and once again in XXXX. By law Transunion should have informed me in writing five days prior to readding. I received no such notice therefore my fair credit reporting rights were violated.

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 04/27/2016 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own

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 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank neligent in customer service and handling of disputed charge which has now caused me a severe lost Bank of america promised that they closed my card and no further charges were able to come in. After a XXXX charge did come thru rep told me that prior rep didnt actually closed the card and she messed up. I told him charge should have never been because card was supposed to be closed. Instead he issued a dispute on the charge and removed it. I never heard from the bank and charged reapeared and wreked havoc on my account. I called XXXX XXXX and a woman apologized that i was not notified about answering the dispute and she would try to remove on that day and at worst 2 biz days and i would not have to worry about overdrafts. It wasnt reversed and now i have overdrafts hitting the account and lost my salary in a transfer to it. I called and was told that the woman was wrong to tell me these things! I was told i need to submit a written response. They sent the original demand for a written response to my listed physical address not my mailing address listed on my account. This guy tells me we dont pay attention to that in this matter!!!! Repeated that it didnt matter what my mailing address listed! He would not help me further in the mean time i am getting overdraft blizzards and i dont have money for groceries!

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