milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 have a credit card with this XXXX XXXX XXXX been a member since XX/XX/XXXX. On XX/XX/XXXX, I paid the balance off totaling {$2400.00}. Checked balance via online bank website in XXXX and balance stated {$0.00}. On XX/XX/XXXX, received a alert XXXX XXXX stating I was late making payments for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX card. Contacted them the same day and was told that this was caused by a computer error and my account is {$0.00}. I told the client service represenative because of their computer error my credit was affected by it, I was told to just dispute it with the credit bureaus and since they fixed the error it would be fixed on my credit. XX/XX/XXXX - disputed that I was never late with Transunion and XXXX XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Called the XXXX and was told the same thing that I was told on XX/XX/XXXX and was also told to contact their member solution dept. Disputed it again with both bureaus. XX/XX/XXXX - Sent a instant message through the online bank website in regards to my issue. XX/XX/XXXX - Received a message for a XXXX stating " I apologize for any issues you have had with your Visa Card. I reviewed your account and on XX/XX/XXXX your account was adjusted to remove the late charge. You should n't receive any more late notices. Your Visa is paid off. Please let me know if you have any other questions or concerns. '' XX/XX/XXXX - Disputes were completed and XXXX did not change anything and XXXX reported to the credit bureaus that it was accurate. Sent a instant message back to XXXX stating that my credit report did not change and was still stating that I was late for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX - disputed again with all three credit bureaus XX/XX/XXXX - checked XXXX  online bank message for a reply, no reply, sent another one. XXXX/XXXX/XXXX - Sent an email to their member solutions dept. about the situation and as of XX/XX/XXXX no response from the bank. Filed a complaint to the state attorney generals office. XX/XX/XXXX - the false late payments were removed from my credit report. XX/XX/XXXX - late payments are back on my cedit report, which is adfecting my credit score.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
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: After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage.

It is now reflected on my credit score and XXXX XXXX  has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement.

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). During their investigation, XXXX XXXX confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.

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 06/22/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: A payment was sent to Bank of America without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Bank of America has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Bank of America ) blocked transactions for the ACTIVE account, at their discretion meaning Bank of America reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Loan started at {$32000.00} prin.amt. The prin.amt.has gone up instead of going down. have been paying on it for about 12 years and have paid about {$23000.00}, So can you tell me what 's up with that? I can understand paying interest, but I ca n't understand why the principle amount does n't go down instead of up. Navient is taking advantage of this loan and I have no way to get out of it. They put this loan on interest payments only, ( without my request ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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 have sent over a police report and ftc afidavit and statement to transunion on  XXXX  occasions they have refused to remove these fraudelent inquiries. I have reported the incident to the police and then went back and updated the report. Transunion refuses to remove these inquiries. I did not give these people that are listed the permission to run my credit. Transunion refuses to remove them or verify the validity of them.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my XXXX XXXX account is a current account, the XXXX XXXX is reporting few negatives late payments on this account, which are inaccurate, i have spoken to them and also received a letter from the creditor stating that these must be removed and approval to the bureaus but so far no bureau has deleted any of them except XXXX, please make sure that experian and XXXX would also remove these negatives from my report, since they have received the letter as well. ( hence attached ) i would greatly appreciate XXXX XXXX acc # 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 03/13/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: The loan servicer, Shellpoint has been charging me late fees each month for several years when payments are made each month before the grace period. I have contacted them numerous times to resolve this. It has never been resolved. I 'm now reaching out to the CFPB for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Attempting to link with an external app.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equitable Acceptance Corporation (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After graduating I received tons of phone calls concerning loan forgiveness, lowering payments, etc. a company called XXXX XXXX XXXX  called and used scare tactics to get me to sign up with them. They told me my income driven repayment, which due to my age and low XXXX income were {$0.00} at the time, was going to go up to $ XXXX  monthly This terrified me as I only receive $ XXXX  monthly. So, I signed I up to pay them $ XXXX   monthly for 25 years. I am in a mortgage program with the XXXX XXXX of which I am a tribal member. I paid Equitable for approximately 2 years. Then on my last visit with my mortgage counselor, he told me that company was a scam and to quit paying them and to also call the Federal Trade Commission about them. I came home and called the FTC and quit paying Equitable. When they did not get their next payment they called me. I told them why I had quit paying them and the lady hung up on me. I didnt hear anything else till last week when I received an email from a company called XXXX XXXX telling me I had ten days from the date of that email to contact them regarding my debt to Equitable. I called the number and got voice mail. I left a message and never got a call back so I called again a few days later and left another message and still got no response. Since then, I have emailed them 3-4 times requesting a way to contact them to no avail. In the meantime, they reported this to the credit bureau which caused my credit score to drop dramatically damaging my ability to get a mortgage. My student loans are in the process of being forgiven and that should be finished in about 45 days. XXXX told me that once theyre forgiven my loans will show a XXXX  balance so will improve my credit score and I should be able to get my mortgage. However, XXXX XXXX And Equitable are still on my credit report. The FTC said you might be able to help me with that company and getting that off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: A letter dated XXXX XXXX, XXXX from XXXX XXXX stated that a small change in the amount of {$2500.00} was assessed to my account, see Letter pg 1 PDF. Upon receipt of this letter I called XXXX XXXX and spoke to a man that looked up the coding and stated it was for an insurance premium. During that time, I had experience working as a small-business XXXX XXXX and understood that as much as lending is about lending, it is also about selling insurance. The borrower would have to understand and accept the purchase of insurance that would protect the lender in the event the borrower died, became disabled, or  couldnt pay. Now, I was not asked to purchase an insurance plan on myself, I did not give XXXX XXXX permission to purchase an insurance plan on my behalf. I called XXXX XXXX again and I asked for more detail on the insurance plan and the woman on the phone couldnt give me any information and said she couldnt see any insurance notes and stated the amount is related to an agreement found within my promissory notes. 

I must have requested a log of activity because I received a letter dated XXXX XXXX, XXXX from XXXX XXXX that detailed previous transactions on the account, see Premium XXXX pg 1 PDF. The {$2500.00} insurance premium was listed within this letter and was applied to my loan principal on XXXX XXXX, XXXX, see XXXX XXXX pg 3 PDF. It never seemed right to me that I had paid for an insurance plan I had no clue what it actually covered, let alone, any details about the plan at all. In the event, should I become disabled, could I claim disability and know that my insurance plan would pay for the remaining balance on the loan and relieve me of my debt obligation? Am I paying annual premiums and dont even know about it? If this insurance plan adjusted the risk associated with my account, then why hasnt my interest rate decreased? I called the Texas Department of Insurance on XXXX XXXX, XXXX and spoke to XXXX. She asked me who is the provider, who is owner of the loan? I did not know who owns my XXXX XXXX loans. I did know XXXX XXXX was the servicer, but XXXX wasnt able to help me given that information. 

My question to XXXX XXXX is - What exactly is the insurance plan for and why did I pay for it? Can I have a copy of the insurance plan? 

Also, another question for XXXX XXXX - Who owns my loans, and can documentation be provided that can prove ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: RE-INSERT ALL ACCOUNTS INTO MY CREDIT PROFILES WITH  XXXX  OR BE SUED IN CLASSACTION EFFORTS.     THE CREDIT FURNISHER PAY   XXXX   MILLIONS IN FEES AND NOW ARE PUTTING YOU BANK IN JEOPARDY!     YOU HAVE 15 DAYS TO COMPLY OR BE SUED ALONG WITH  XXXX .     THEIR A  RE 100+ CONSUMER REPORTING AND CLIENT REPORTING LAWS BEING BROKEN.
THE DODD FRANK ACT EQUAL CREDIT OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.

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 08-04-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (RI).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 XXXX XXXX XXXX, Executor of the XXXX County Florida Estate of XXXX XXXX deposited {$40000.00} into USAA checking account # XXXX from the account of the Estate of XXXX XXXX at XXXX XXXX XXXX. The purpose of the deposit was to use most of the funds to pay me for my 14 months of consulting services, expenses, travel and loans to XXXX XXXX at his pleading in successful pursuit of his claim as beneficiary of the contested handwritten Will written just prior to XXXX XXXX XXXX. 
The deposit was made via photo image in telephone consultations with a USAA representative. XXXX XXXX authorized direct payment of my credit cards totalling {$26000.00}, Additionally he issued USAA check # XXXX dated XXXX XXXX, 2016 for {$9600.00} for a combined total of {$36000.00}. Credit Card payments : XXXX : {$990.00} paid XXXX/XXXX/16 XXXX XXXX : {$1400.00} paid XXXX/XXXX/16 conf code XXXX XXXX : {$8800.00} paid XXXX/XXXX/16 trans XXXX XXXX : {$3600.00} paid XXXX/XXXX/16 XXXX : {$4500.00} paid XXXX/XXXX/16 XXXX : {$3300.00} paid XXXX/XXXX/16 XXXX : {$1800.00} paid XXXX/XXXX/16 XXXX XXXX : {$1600.00} paid XXXX/XXXX/16 On XXXX/XXXX/16 all credit card payments were rescinded by USAA without notice to me. Dishonoring an item properly payable is a violation of XXXX also bringing responsibility for consequential damages proximately caused The check was deposited at XXXX XXXX on XXXX/XXXX/16. It was returned as " unauthorized '' on XXXX/XXXX/16. 
XXXX XXXX will not return my calls. My demand letter to USAA 's legal department resulted in a call from a representative named XXXX XXXX @ ( XXXX ) XXXX. On XXXX/XXXX/16 she informed me that XXXX XXXX claims the payments were not authorized. That closed the matter for USAA without further details due to legal privacy considerations. 
Clearly the payments were authorized or USAA would not have paid them initially. XXXX XXXX changed his mind 3-4 weeks after final payments were made under his authorization. If USAA investigated in any meaningful way it did not include contacting me to hear my side of the story before taking such a drastic and harmful step. 
Regarding the stop on the check I do not believe it was in compliance with UCC 6A4-403 or confirmed in writing within 14 calendar days as required. This is not only a breach of the contract represented by the signed check but a criminal offense of obtaining money/services under false pretenses. 
My remedy is reinstatement of the credit card payments, payment of the check, payment of proximately caused interest, late fees, emotional distress and damage to my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX 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 explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a account from XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed XXXX XXXX COURTXXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

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 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Credit bureaus Experian and XXXX are scaming people offering your score for {$1.00} and then charging {$20.00} per month if you do n't go back and cancel a service that you did not order in the first place. You become aware of it when you see the charges in your credit card. By that time, they already got your money. It 's a scam of the worst possible kind from the very people who is suppose to ensure the transparency and good faith of the system.

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 06-12-2017 about Debt collection (Medical debt) with Tormey Bewley Corporation (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was never aware of the problem or medical bill. The clinic never attempted to reach out to me in terms of paying for any owed premiums. I do n't even know which clinic or facility it was since it was 3 years and 2 months ago. I paid any medical fees in the past out of pocket when I did not have insurance, and used my insurance when I was covered.   Please help me remove this charge off of my credit history. It is false and the amount is far from accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a variable rate, interest only loan with a first and second mortgage with little verification in XXXX of 2007 with Chase Bank. The first mortgage has an interest rate of 7.65 % and the second mortgage has an interest rate of 12.375 %. This house has been underwater from the beginning and I have made several attempts with Chase to refi my home to a fixed rate. They refuse to help. I can not refi this house and I can not sell it due to the loss in value. Right now, my only option is to walk away. I have never missed a payment, and in 8 years I have n't reduced the loan amount at all.

Company response to consumer: Closed with explanation