milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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 09/27/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (ME).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Purchased a used Toyota from a Toyota dealership in XXXX XXXX, financed directly through Toyota and paid the loan off a year later. In the middle of my loan I moved to a new house and did everything I needed to update my address information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they would have my correct address and contact information. Fast forward to today and I go to sell my car and purchase a new one and realize I never received the title to my vehicle after paying it off in XXXX XXXX. I called Toyota and they told me they sent the title and lien release to my old address and they are not sure why because they confirmed they did have my new address on file. They also stated they never received my title in their returned mail and have no idea where it is. I tried to order a new title from my state and rush it so that I could have it to sell my car this weekend and my state then informs me that they can not even release my title because Toyota never released the lien and the title is still showing that it has a lien against it. So back on the phone with Toyota who tells me they cant fax a lien release with out me being at the state office which is 2.5 hours away. After some arguing they agree to fax the release but not for 2 business days, so now I have to wait 2 business days to even order a title and wait 10 business days to even receive the title. At this point I will probably lose the sale on my vehicle which will cost me {$13000.00} and I probably wont be able to purchase the new vehicle I intended because I wont have the money for the down payment. 

Toyota is responsible for sending the title of my vehicle to the wrong address after I did everything I needed to do to update my address information with them and now I am the one dealing with the mess. All I asked Toyota to do was rush the release of the lien to the state and they tell me I have to wait in a queue for it to be released and it can not be rushed. I did n't think that was much to ask after the mistake they made by sending the title of my vehicle to the WRONG address. 

Unfortunately I no longer know my account/loan number but my name in their records is XXXX XXXX with my current address of XXXX XXXX XXXX XXXX, Maine XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (MI).
Issue: Trouble during payment process

Complaint: Dear Representative, On or about XXXX/XXXX/XXXX I left several messages with mortgage servicer with no response back on the status of my mortgage modification. My contact XXXX XXXX and supervisor XXXX seem not be available to provide vital information requested on the update. Please have someone look into this matter as soon as possible. Payments have been made and yet no updates on this review can be obtained successfully. 
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My family has owned our home in XXXX for over 30 years. At this time I am retired and live in the property along with my XXXX son. I am contacting your office because I am in trouble on my mortgage loan which is with Wells Fargo, and they are moving me into foreclosure. I am afraid that I am going to lose my home and be out on the street with nowhere to go. I feel that Wells Fargo is not fairly negotiating with me ; I feel that they are denying me access to government programs that should be made available for struggling homeowners. I feel that they have made errors in their review of my financial situation and have wrongly denied assistance. I need help with this matter, I ca n't seem to make any progress with Wells Fargo and I do not want to lose my home. 
I first began struggling with my mortgage payment in XX/XX/2013 due to the overwhelming costs associated with my son 's XXXX and began the process of attempting to get assistance from Wells Fargo. It took literally over a year of back and forth with their agents to actually get a review conducted. During this long period my delinquent amount continued to increase, putting me into an even more difficult position. When the review was conducted I was just entering into retirement and I do n't believe that they took into account all sources of income. I receive SSI, a pension, and also money from the government for my son 's XXXX. I believe that if Wells Fargo were to properly calculate these income sources and to work with me in a fair manner, a resolution could be drafted that would be beneficial to all parties. I know that Wells Fargo received billions of dollars in bail out money, and I know that Wells Fargo has been reporting record profits, even as their employees open fake bank accounts in order to maximize profit. I would like Wells Fargo to show some compassion towards my family, and the home we have owned for nearly 35 years. I paid this loan on time for years, they have collected thousands of dollars in interest from me and this is a problem that can be resolved if Wells Fargo would take the time to conduct a fair review of the current and correct financial information. 
I feel that Wells Fargo is more interested in moving me into foreclosure instead of attempting to resolve this matter. A foreclosure would be devastating. If this can be avoided, why is Wells Fargo making things so difficult? I believe if Wells were to conduct a proper review that we would be able to work things out.

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 03-01-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX VA XXXX SS # XXXX Loan # XXXX Registered Loans Loan Number XXXX Property Address XXXX XXXX, VA XXXX Loan Status Loan Active Freedom mortgage is not reporting my good credit history to the three reporting agencies

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX, I terminated my lease 2 months early with XXXX XXXX in XXXX, TX. I followed all of the rules in the contracts, and addendum, regarding early termination. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they were trying to collect a debt of {$1300.00}. XXXX was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these and the early termination addendum asking them to correct the outstanding amount and validate the debt again. We went back and forth for two months. I had little success and their verbal response was to get a lawyer. 

Because the leasing company and debt collection agency were rude, not compliant and not providing an adequate response, I filed a complaint to the XXXX on XXXX. 

On XX/XX/XXXX I received a derogatory remark for {$1300.00} ( my balance was still being disputed with XXXX and National Credit Services ). 

On XXXX XXXX, I received a letter from XXXX that my balance was corrected to {$200.00} When I contacted XXXX and XXXX on XX/XX/XXXX regarding the derogatory remark on my credit, they would not remove the remark from my credit report. Instead, they would show the balance as paid. National Credit Services and XXXX realty did not provide me with XXXX from the date the debt was validated to pay may balance before affecting my credit. The debt was not truly validated until XXXX which should allow me to pay the debt off by XX/XX/XXXX. 

When contacting XXXX and NCS regarding the above, they lack professionalism by hanging up with me, bullying me by talking over or saying they will disconnect the call if I 'm not calling to make a payment, and telling me that there is no way for this to be removed from my credit report. I have made many efforts and walked them through the process but have been unsuccessful with finding a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I got divorced in XX/XX/XXXX, my ex wife owns a XX/XX/XXXX XXXX XXXX. According to our divorce decree, she is solely responsible for this vehicle. However, my credit is being ruined when she is making payments late as my name is still on the car note. I should not be held responsible for this vehicle. I have talked to XXXX multiple times about this, and they have even called me several times about the XXXX XXXX car note. My credit should not be effected by my ex wife not paying her car note on time. I need to have my credit restored and no longer ruined by this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order COMMONWEALTH FINANCIAL SYSTEMS to make recompense and pay redress and compensation for their trespass against me. COMMONWEALTH FINANCIAL SYSTEMS has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11.  Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have fil ed two disp utes to update the following informati on one  on  X/X/17    and one on  X/XX/17    - nothing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :  XXXX  Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting  an Open statu s, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and ne eds to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is reporting no term which should reflect 360 months. The payment status is incorrect on Experian and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

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 10/24/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I attended this school unaware of accreditation and was making payments and found out the school had lost accreditation in 2002

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a Citibank Citigold checking account back in XXXX 2015, due in part to their attractive XXXX XXXX XXXX miles bonus upon completion of spending {$1000.00} in debit transactions and using bill-pay twice within 60 days. I completed all requirements within the allotted time period ( confirmed by Citi ) but have not been credited my bonus miles within the 90-day due date post-completion ( XXXX XXXX ). I have contacted Citi on over XXXX occasions but have not gotten the issue resolved.

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 11-07-2017 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: XXXX and Experian refuses to delete duplicate information on my credit report after being provided proof.

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 09/23/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit card protection / Debt protection

Complaint: I applied for a Barclaycard XXXX credit card and they sent the card to the wrong address. The card was never activated, yet they charged me fees and late fees. I have made XXXX phone calls to barclaycard to clear this up, yet it still appears join my credit report. I have ordered a new card and corrected the address. I have never been charged for fees from a credit card that was never activated. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair

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 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We were leasing in an Apartment for more than XXXX XXXX XXXX. When we decided to move to XXXX. I gave them a notice of 30 days period since on that last few months i did not re-new my contract so im just paying month to month basis. 
When we left we were charged {$1600.00} for the Balance they were claiming and i know for my self that I paid my dues. I tried to settle the debt without complaining since we and the people in the leasing office had a good relationship. Im trying to pay atleast {$100.00} per month and i lost my job. Now I have a new job and trying to find an apartment to settle. I can not get an apartment anywhere because what reflects in my Credit is EVICTION and I asked them wjhat is the break down of that amount then i discovered about a {$1000.00} bond that never was discussed to us + the Bal. of {$570.00} which I consider as remaining bIlls, that 's fine but {$1000.00} is something and i asked them to change the report as just a credit the leasing manager said they can not not until i pay the amount. My family can not start life here in XXXX and we are just living with a relative because we can not get an apartment to live in. Even if how much we try to ask them to change the report wherein they do know that we are not Evicted in that apartment where we stayed. 
I really need help about this matter. We are Homeless and overstaying with a relative.

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