milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 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: My XXXX charge card was apparently 60 days late it was reported to all 3 credit reporting agency 's as delinquient which in turn caused my credi score to go down significafantly. I contacted XXXX XXXX XXXX and made payment arrangements to bring the account current. I explained that XXXX would ask for a payment for 2 months in advance. I usually just pay all my credit cards once every month. I explained to the rep that I do not like to make 2 months payment in advance as this is causing me confusion being I am under the impression I am paid for the next 2 months. However I was told on sunday XX/XX/2017 that I was given wrong information. I made 3 payment arrangements to bring the account current. I was concerned about my credit reports showing this account as delinquent. The rep put me on hold and spoke to a supervisor and was told to dispute the delinquent charges being I made the arrangements and XXXX will respond to remove the delinquient remarks and put my account as showing as paid as agreed. I disputed this account online just now with XXXX but was not able to dispute it online with transunion and XXXX as they say there system is down. I am submitting this complaint because I was given wrong information which in turn caused me to have my account go late when I was under the impression I was current. I am writing in hopes XXXX will hold to there word and remove the negative comments from all 3 credit reporting agency 's because it caused my score to drop by 35 points.

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 08/25/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: It started with being approved through Road Loans/Santander Consumer for a the purchase of vehicle. I was referred to XXXX XXXX XXXX in XXXX XXXX, CA. I was quoted and told I was approved for a loan, with a certain interest rate, monthly payment and no down payment. I signed the contract and left with the XXXX Mazda. I was called the next day saying my loan was n't approved and they had a new contract. the interest rate was higher as was my monthly payment. I was also told I had to come up with a {$1000.00} downpayment that I had n't needed to before. From the start everything was wrong, my first payment was n't supposed to be due until XX/XX/XXXX and by XX/XX/XXXX I was fighting with them as to not applying my payments correctly. I receive multiple calls throughout the day and you can never reach the same person twice. They wo n't respond via email for documentation either. Well, finally in the Spring of this year, I was told I was assigned an account manager, XXXX. I explained everything that has gone on, with the payment due date and being told that I could move a payment to end of the loan. He said eh would have 2 payments moved to the end of my loan and told me that as long as I made at least the minimum of {$180.00} monthly I would remain current. Then it all started again a month ago, tell me I 'm over 60 days behind, they are misreporting to the credit bureaus too. I ca n't ever reach my supposed account manager, no one I ever speak to seems to document the conversation. They are unwilling to review to lower my interest rate or working with me. I am working in cleaning up my other financial issues since I filed bankruptcy last year and I ca n't get a refi with a legitimate lender until I can clear up the other issues. I simply want them to honor was I told, about moving the two payments to the end of my loan and properly applying the payments received. if this is done, I will be current. After much research, I see that Santander has several complaints for similar issues. I wish I had never been in a position to have to do business with them!

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.

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 05-06-2015 about Debt collection (Medical) with The Collection Connection (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I sent a certified letter to The Collection Connection to verify a debt they had on my credit profile. On XXXX/XXXX/2015 I received the following attached information from this collection stating this is the verification of this debt. As you will see that the signature on this returned check and the drivers license number on this check do not belong to me. If this check was written by someone other than myself should have checked the person drivers license name and picture against the actual name the check belong to the actual person whom name was on the check is not my fault. Also notice the signature on the check and on the document that I sent to this collection company is not even close or similar. On XXXX/XXXX/2015 I received a collection letter stating that they had put more negative information on other credit bureaus.

Company response to consumer: Closed
Consumer complaint received 08/16/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently reached out to Experian about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Experian yet again and was told to file a complaint here. 
This is the list of inquiries that Experian refuses to remove that I did n't authorize. 
XXXX Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It  May  Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by :  1 .    XXXX   XXXX   XXXX    -- Unauthorized Credit Inquiry ON DATE :   XX/XX/XXXX  2 .  XXXX   XXXX  -- Unauthorized Credit Inquiry ON DATE :  XX/XX/XXXX  ,   XX/XX/XXXX      3.  XX/XX/XXXX  -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX  4.  XXXX  - - Unauthorized Credit Inquiry ON Date XX/XX/XXXX   5.    XX/XX/XXXX   -- Unauthorized Credit Inquiry ON Date   XX/XX/XXXX   6. TOTAL MERCHANT SERVICE -- Unauthorized Credit Inquiry ON Date XX/XX/XXXX  I DID NOT AUTHORIZE THESE inquiries from these company, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.  <P/> I have sent this letter certified mail to all credit bureaus and also have sent them to the reporting company and they refuse to remove these unauthorized inquiries. I need your prompt response to this issue. Please be so kind as to forward me all documentation that youve had the unauthorized inquiry removed.  <P/> If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.  <P/> Thank you,  XXXX   XXXX   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 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone & in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Trouble during payment process

Complaint: Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also, I 'm currently unable to request a fraud alert on all three companies. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Transaction issue

Complaint: My minimum payment of {$80.00} was due to American Express on XXXX/XXXX/15. I made the payment early on XXXX/XXXX/15 in the amount of {$3000.00}. I had already made my XXXX payment on XXXX/XXXX/15 in the amount of {$100.00}. They applied BOTH payments to the XXXX payment even though the XXXX/XXXX/15 payment was after the due date and then considered the XXXX/XXXX/15 late. I contacted them when I received notification of a late payment and a late fee of {$27.00}. I explained to them the {$3000.00} payment was the XXXX payment and they needed to apply it correctly and remove the late fee. They told me the system would n't let them move the payment to XXXX nor would it let them remove the late fee. I spoke with XXXX different levels of customer service as I was completely stunned that they could not do this. They said they understood but just could n't do it. They also advised me I would get an increase in my XXXX due to this late payment. I received that letter in the mail telling me I had a mandatory rate increase due to late payment. I also was told I had to pay {$150.00} and the late fee by XXXX/XXXX/15. I stated I was concerned about them reporting delinquency to the credit bureau when this was all their system 's inability to move a transaction from XXXX month to another.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. 
My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. 
My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! 
The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 
1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. 
Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. 

At least they do answer their phones but 99 % of the time they have the wrong information. 
I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? 
Thank you! 
XXXX 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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are many mistakes appeared in my report I have never paid late these accounts : "   XXXX     XXXX  # Account #  XXXX   XXXX  '' "  XXXX   XXXX   XXXX   XXXX  # Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX  DEPT  OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  DEPT OF EDUCATION/  XXXX   DEPT OF ED/  XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX   XXXX  Account #  XXXX  ''  " U S DE PARTMENT OF ED Account #  XXXX  ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My credit card was restricted for no explanation from Wells Fargo, and I need to unblock 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 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.

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