milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.

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 03/30/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: In 2014 I had opened a credit card account with Macy 's in XXXX at thier department store in person. A month had passed after being activated, and no bill had been received by U.S. mail. When I called to ask, when would I be receiving it, they informed me that It wad past due and that it was sent electronicly. I had not signed up for email billing. MACY 'S reported my first payment as being late, and has not worked with me to resolve that matter. They refunded my late fee, and did confirm the mistake over the phone, but never corected the report with the credit bureaus. I need help resolving this matter. Thank you.

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 01/13/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA loan with M & T Bank that my husband and I used to purchase our home in XXXX. We paid as agreed for 5 years until my husband suddenly passed away in XXXX. He was the sole breadwinner in our home, and I am in dire straits as M & T Bank is moving to foreclose on me. My daughter lives in the home with me along with XXXX granddaughters and she does contribute towards the bills, but not enough that I am able to keep up with the mortgage payment. I have applied for XXXX and survivor benefits and have a hearing coming up soon, but will not receive any benefits until AFTER the hearing. I have tried to explain this to M & T but they have been very heartless. Their agents have called me wondering where the payment is, and threatening me with foreclosure and eviction. I then applied for help through the government FHA programs but M & T has not willing to work with me or consider me for any options. 

I have been told that M & T should be offering some type of " grievance forbearance '' due to the death in the family, where no payments are due for a few months in order to get my family affairs in order. However, M & T has not offered this option. I also know there are other types of programs including modification, partial claim and special forbearance, or even " suspended payments '' that could assist me during this difficult time. Once again, M & T Bank has not been willing to give me any help or any consideration for assistance. I assure you, once I have the XXXX hearing and benefits are awarded I will be able to resume making payments. I ca n't believe that M & T is moving so aggressively to foreclose on me instead of giving me a grace period or some consideration for my situation. I ca n't believe that this is allowed. I am sure this situation has happened before, I know they need to get paid on their loan but would expect some consideration and a fair negotiation.

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 06/15/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015 I was attempting to make a mobile deposit to my personal banking account when I was denied access. I called USAA to find out why I was not able to make a simple deposit. The representative told me that there had been XXXX hidden accounts created under my name and transfers had been made and now those accounts where in the negative balance. I reported to the associate that I did not authorize these accounts and I asked how was this account authorized without my signature. They could not give me an answer. The representative told me the fraudulent accounts had been created on XXXX XXXX and had transfer activity since that date. I quested the bank again because I always receive notification through email, text, and phone call whenever transfers or accounts are open, and I received no notification of this activity. The representative again stated that she was unsure how this happened. I was directed to the fraud department and they asked me if I had participated in a scam or if I had given out my information to anyone I stated no. The fraud team stated that the person would have had to know my XXXX security questions, my pin number, my login information, and I stated again that no one but me has this information. They proceeded to tell me that they would investigate and I would get a call back within 48 hours with a resolution. They froze all my accounts and I had access to none of my money. I received no information from USAA, so I proceeded to call and the representative stated that USAA will no longer do business with me and that I am held responsible for all negative balances, so all my funds were taken over. The representative stated that this decision had been made on XXXX XXXX, though I was not notified. I called again to gain a dispute form a different representative stated that no criminology report for the fraud had been submitted which she found strange and she submitted one today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion refuses to remove a Chapter XXXX BK after it has been settled and closed even tho it is more than 7 years since the file date. Even tho according to their website it is to be removed " A completed ( discharged ) or dismissed Chapter XXXX remains on file for up to seven years from the date filed. " I have even send Transunion a copy of the BK Final Decree.

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 03/30/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Bank account or service (Checking account) with EAST WEST BANK (CA).
Issue: Account opening, closing, or management

Complaint: XXXX 2016 I reported to my bank that my bank account lost money in XXXX, XXXX, XXXX and XXXX, my bank EAST WEST BANK in XXXX/XXXX/16 returned parcel my lost money {$18000.00} back to my account, now still has {$11000.00} not return to my account yet, I request EAST WEST BANK return all money to me ASAP.

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
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has insisted for over a year that I have insufficient flood insurance despite the fact that I have provided proof. Nationstar deducted from my escrow a payment for supplemental flood insurance and when I contested this they refunded the money and agreed I had sufficient coverage. Nationstar recently started up again claiming insufficient flood insurance and they are deducting from my account again to pay a supplemental policy. I have tried repeatedly to solve this problem, but to no avail. Can you help? They are stealing from me and are a disreputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint becasue Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requiredto promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently submitted disputed a credit reporting for a credit card that has been filed and dismissed in a bankruptcy filed by my mother. I was the joint account holder.on my experian credit report it shows this on equips and transom that are showing them as charged off not.listing the bankruptcy which has a baring on my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with American Coradius International LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (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: XXXX was reporting outdated information ( from XXXX 2017 ) regarding a US Bank credit card account for which I am an authorized user. My wife is the primary account owner. We contacted XXXX and they advised that they had simply not received updated information from US Bank and that we should submit a dispute.
We were not advised that by submitting a dispute, XXXX would delete / completely remove the account from my report. Removing the account was the incorrect action and not what I requested. The account was correctly showing up on my report, but the balance and payment information simply needed to be " refreshed ''. The removal of this account caused my XXXX  credit score to drop by over XXXX points, which has prevented my wife and I from being able to apply for a home loan.
We requested to withdraw the dispute from XXXX, but they advised that this was not possible and that the only way to resolve the matter would be for us to contact US Bank and request that they either call the " local XXXX marketing office '' or submit a request to update.
We submitted documents in writing to both XXXX and US Bank requesting this. US Bank advised that they can not call the marketing office and repeated efforts to request them to do so have failed. US Bank advised that they investigated out situation and sent over a request to XXXX on XXXX/XXXX/2017.
XXXX advised that upon receive such a request it would take 5-7 business days to update the information. However, I called today and they are now stating that they have NOT received any kind of request and that the only way to get the account correctly reinstated to my report is to have US Bank call the office ( which they refuse to do ).
XXXX is now also stating that there is a " technical error '' with my file / report and giving me the " run around '' each time I call. US Bank refuses to assist further.

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 04-04-2017 about Debt collection (Auto) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I XX/XX/XXXX XXXX XXXX and Prestige Financial XXXX, UT XXXX was our lien holder account number XXXX. We purchased the car in XX/XX/XXXX. I was in a accident the person that hit my car had XXXX insurance. XXXX gave me a list of companies that guarantee there work here in XXXX, Il so I choose XXXX XXXX. We originally owed XXXX on the car and the damages was XXXX the car was fixed and about 1 year later the car stopped so I called XXXX and they came and towed the car I was told that the transmission went out and the car had XXXX miles.At that time we could n't afford to get the car fixed and make the payments. We informed Presitge, the car ended up being sold to XXXX. We never received a certified letter saying the car was going to be sold. According to Illinois repossession and legal aid they should have done commercially responsible resale which goes under section 810ILCS 5/9-625. Prestige should have sold the car in a auction or made it public instead they sold the car to Prestige Financial for a lower cost instead of the highest bidder. Prestige Financial took us to court and we were not able to go to court so there was a judgement of XXXX against my husband and I. Which we only owed XXXX to began with. I do n't think it 's far that Prestige gets XXXX from us and they sold the car a car that we will never have. Prestige has also been garnishing my husband pay checks

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: For the last 6 years, there has been someone changing the first name of XXXX to an intentional XXXX which is a slapping insult on me as a federally protected birth titled person. When it was corrected, at a later time then it was discovered again which makes it intentionally suspicious. However, last year in my state, I made an appeal to my State Atty General ( XXXX. XXXX ) for help. They thought it was taken care of when they had them call me in 2014. We were told by XXXX Trans Union that it was being sent in this way from some company consistently and that they had to correct. The State A G office this year got a second call from me stating that I had received a doc XX/XX/XXXX where Trans Union XXXX when my history was under a red alert for a 90-day period of time, and the name and address was correct. By XXXX XXXX companies sent a new account out due to the fact I placed a new alert on for another 90-days. This was photographed on my cell phone showing that Trans Union started this up all over again. The State A G told us that it was not an outside influence doing it but someone inside doing it for all that time. Now that I have photos, it shows a spiteful abuse of my first name. I am tired of whoever the person is XXXX with my personal government information because they think it is undetectable and fun. I would like the government to arrest and sort out all the people worthy of prosecution and make a XXXX determination on those who are worthy of the XXXX facility. Six years of trashing me as a dignity of this state, OR any other non-titled person is worth a house cleaning party effective immediately by the XXXX. As well, I expect a full shut down by the XXXX XXXX XXXX who will confiscate computers where they are and work on information from that angle. Dot your i 's and cross your t 's. Docs can be sent from my phone at XXXX XXXX XXXX if you want to try that. Otherwise please wait for a certified letter with the copy in it. This will be mailed out the first week of XXXX hopefully. 
Thank you very much. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (CA).
Issue: Using a debit or ATM card

Complaint: I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: threaten to put lien on property assets and garnish wages harassment XXXX times daily threats made daily calling other people

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit card () with U.S. BANCORP (IL).
Issue: Closing/Cancelling account

Complaint: " ELAN FINANCIAL '' FILED A " FALSE " ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY " CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. 

THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A XXXX BALANCE RESULTED IN " MY CREDIT SCORE DROPPING " XXXX POINTS IN A MATTER OF " 12 '' HOURS. 

I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! 

XXXX/XXXX/15 - XXXX/XXXX/15.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Advertising and marketing

Complaint: I applied for a Citizens Bank Credit Card online with the publicly advertisement of getting 10 % cash back on the first XXXX spent and an unlimited 5 % cash back on grocery and drug store purchases for the first 90 days. When I received the actual card in the mail, the rewards structure was different. The rewards structure was 1.5 % of all purchases. I sorely disappointed because what I signed up for and what I received was XXXX different products. It seems that I was baited and switched when I signed up for the credit card. I have a screen shot of the offer I was led to believe I was receiving by signing up for the credit card. I alway take a screen capture of the advertisement because sometimes I 'm skeptical and want to have proof of what I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation