milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IA).
Issue: Account opening, closing, or management

Complaint: I have been banking Regions Bank since XXXX of 2016. I have received information on my account and how I should maintain it. However, since XXXX 2016, There has been an issue of my statements being tampered with. On XXXX XXXX, 2016, I have made a purchase from XXXX XXXX online of an estimate of {$20.00}. However, Regions Bank, deleted that statement and moved it to XXXX XXXX. XXXX XXXX also charged me {$7.00} within my bank statement. I have also payed off my {$150.00} loan using my bank account. Regions bank did not charge me for the overdraft. I was able to pay off the negative balance in time to have a positive balance. On XXXX XXXX is when I had made a payroll deposit of {$150.00} from my job. I was not aware that they will keep my payroll check an extra day. However, they were already informed months ago about my employment. Regions bank had charged me an overdraft fee of {$36.00} twice -- right after I have cleared my balance. I am {$44.00} short due to the overdraft fees that they have still charged me after I have cleared out my balance. The Regions Bank Manager also allowed the ATM at the bank to keep my card due to her unauthorized of deactivating my card. She was rude not understanding. Regions Bank had hidden information from 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 05/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgagee passed away and trustee took over the the trust in which the property was titled. Property was then sold and awaiting closing. XXXX was the original mortgager and was notified in writing of the situation. Before property was closed, XXXX sold the loan to Seterus. When Seterus was called for a payoff so that property could close, they said it was being processed and would not give a payoff for at least 10 days. This all happened the day prior to closing. Now Seterus refuses to provide a pay-off so property can close, which is causing undue expense and hardship to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I am filing a complaint against Transunion. I have submitted a dispute twice on the following collection accounts that are reporting on my credit report. I have submitted a dispute claim twice as well as via phone dispute on the following collections accounts reflecting on my credit report : XXXX XXXX XXXX reflecting a {$1400.00} collections account ), XXXX XXXX XXXX XXXX XXXX XXXX a {$1600.00} collections account ), ( XXXX XXXX XXXX- reflecting a {$580.00} collections account ). After investigating Transunion only provided me a response that these collection agencies meets FCRA requirements, although they fail to provide me with any original signed documents reflecting that this is in fact my debt. Considering that, I have had a fraud alert placed on my accounts due to fraudulent activity on my credit after several security breaches.Without being able to provide any legitimate documentation, I ask that this derogatory information be deleted from my credit report. My next step will be litigation, considering that this derogatory information is damaging and keeping me from acquiring any new credit.

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 11-07-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt does not belong to me, so I sent a letter out to the company to ask them to remove the account from my credit report and the company has not responded. It has been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Franklin Credit Management Corporation (NC).
Issue: Loan modification,collection,foreclosure

Complaint: COMPLAINT # XXXXAfter request for help from XXXX CFPB sent XXXX notice of complaint as per CFPB letter dated XX/XX/XXXX. I have been working with XXXX to settle with Franklin Credit Management XXXX XXXX Lien Holder ) so that a Deed-In-Lieu can be accepted on my property at XXXX XXXX XXXX XXXX, NC XXXX. 

XX/XX/XXXX - XXXX informs me that on XX/XX/XXXX they sent a fax to Franklin Credit an offer to settle. Today I called XXXX credit to verify that they had received the offer and they claim that no offer has been received. Fax number sent was XXXX. I requested that XXXX send another fax with the offer to Fax # XXXX XXXX - XXXX ( Franklin Credit XXXX. 
Foreclosure hearing is on the XX/XX/XXXX. This will be the 4th Court Hearing! 
Both, XXXX and Franklin Credit call me almost daily, even today. I have given them all the information they requested to do a Deed-In-Lieu. Unfortunately, Franklin Credit does not seem to cooperate with XXXX and resolve the settlement so that there will be a clear title. 

This new complaint is directed in reference to Franklin Credit Management. The record should show XXXX recorded conversations ) well over 100 conversations concerning my account and no resolution in site. 

I ask that CFPB send a letter to Franklin Credit to work out a settlement so that a Deed-In-Lieu can proceed. 

Information on the account with Franklin Credit Management is as follows : Account XXXXFranklin Credit Management CorporationXXXX XXXX NJ XXXX XXXX have been trying to settle with Franklin since XX/XX/XXXX. The customer service is absolutely unacceptable. Last 3 way conversation with Franklin Credit, XXXX, and I this month, should have cleared any obstacles yet it has not! Someone is not telling the truth and I am to the point where I have no choice but to walk away. My personal finances are in a critical status and I do not know what to do. 

Your cooperation is urgently requested. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohl 's department store continues to contact me numerous times each day, and no matter what they leave voicemails that repeatedly disclose that they are trying to get a hold of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: this company dropped my credit score about XXXX point with no apparent reason and are refusing to delete an item even though i sent them the deletion letter from company on XXXX XXXX my credit score was XXXX now it XXXX with no apparent reason and they have multiple duplicated inq on my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My husband and I have XXXX insurance ( XXXX XXXX XXXX, and XXXX ) I went to the hospital XXXX for a XXXX insurance was billed. I paid my {$100.00} deductible at the hospital, never heard anymore about this bill until recently ( XX/XX/XXXX ) when I had a credit report change alert ( someone applied for a XXXX ) while I was reviewing my credit report I noticed a {$510.00} medical bill. I inquired about it and was told " It was sold to us in XX/XX/XXXX and we will report it every month on your credit report until it is paid. '' I was not aware of this bill. I am very upset about this, this Pro Collect XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX Experian XXXX XXXX XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.

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 06/28/2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A few years ago i noticed this account pop up on my cbr. I moved to a different state about that same time so i figured maybe i didnt revieve any notifcation because of this move. I contacted to debt collector to update my address and also requested the final billing from the original creditor. The amount of the debt seemed to be very high. After about 45 days or so i disputed this directly throught XXXX and XXXX  because i never recieved the information i requested. I still have not recieved validation of this debt. It is also not appearing as " disputed by consumer '' on any of my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (HI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX/XXXX/XXXX : I opened a Citi Account Package to take advantage of the {$300.00} promotional bonus being advertised at that time. XXXX/XXXX/XXXX : I met the requirements to qualify for the promotional bonus XXXX/XXXX/XXXX : At least 90 calendar days after I completed all the requirements of the promotional bonus, the amount of time stated in the fine print for the bonus to be posted to my account XXXX : Various email message asking about bonus ( I checked off to save all my messages but some of the messages failed to save to my Citibank inbox ). I followed up regarding the bonus promotion and was first told that I did not have a promotional code. When I stated that I signed up within the time frame that the promotion was on and that I saved a copy of the advertisement, Citibank changed its determination and said I did qualify for the promotion. I was then asked to mail in a XXXX ( which was not at all disclosed until after I had to follow up with Citibank ). At that time, another customer who took advantage of this promotion informed me that he received the bonus without needing to submit a XXXX. I tried to ask Citibank why the process was different for each customer, but they only told me that I was required to submit a XXXX. I complied and sent the XXXX towards the end of XXXX. I then followed up again to see if Citibank received my XXXX via chat message. The agent told me that my XXXX was rejected because I did n't include my account number on there ( there was no instructions to include the account number from Citibank and the XXXX itself lists it as optional information ). I do n't understand why it was rejected when the information on the XXXX is close enough for Citibank to determine which account it should apply to ( eg. SSN, name, address matches what Citibank has on file for the ONE bank account I have with them ). XXXX/XXXX/XXXX : Sent revised XXXX with correct information, was told that I would receive an email message from Citibank to follow up on the XXXX by XXXX XXXX. Received no such email. <P/>As has occurred every single time, I had to initiate follow-up with Citibank. Citibank has not attended to this matter at all except to respond to my emails stating that another step had to be taken on my part. They were also inconsistent with their information, telling me that I did n't apply and then I did apply, making me call in to ask what to put on the XXXX and misinforming me so I made them tell me in writing. I have done everything on my end to fulfill the bonus requirements, yet Citibank continues to prolong this and not award me the proper bonus.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : 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 non-monetary relief
Consumer complaint received 11/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I asked for my free credit report from TransUnion and received a request for proof of my current address, SSN, and date of birth. I have lived at my present address for the last thirty years. Their requests appear to be attempt to either delay or eliminate their obligation to provide my credit report. I also tried to call them but received nothing but recorded messages. Attached is their request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!

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 05/18/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I, along with our  XXXX  children, were tenants at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL for a period of approximately  XXXX  years. We vacated the apartment at the end of our lease in   XXXX   XXXX       We paid all of our rent when due, and complied with all of the terms and conditions of the lease. When we moved out, we asked for a " walk through '' but were refused.  XXXX   XXXX   XXXX ,  XXXX , the landlord, some weeks later sent us a notice for {$580.00} for damages that do not exist. They collected no security deposit if there were a security deposit they clearly would not be allowed to withhold from it under the  XXXX   XXXX   XXXX , which permits reasonable wear and tear. Instead they have hired a debt collection agency to harass us and are threatening to damage our credit if we do not pay them the amount they claim we owe. The photographs they claim show damage do not show anything obvious, and certainly not {$580.00} of damages.  XXXX  of the photographs actually shows a clean, empty apartment. They have no photographs of when we entered the apartment, to my knowledge.     I suspect this might be part of a pattern. A landlord threatens collection against tenant. The tenant is afraid of damage to credit and pays off the landlord to go away, even though the charge is unfair. Many tenants hope to become homeowners.     Credit ratings have a lot of power over people, and landlords and debt collection agencies should not be able to report debt that they can not prove to credit bureaus. If it were unpaid rent, that would be obvious in the lease. This is highly subjective, and they do not have the evidence to sustain a breach of lease claim.

Company response to consumer: Closed with explanation