milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I divorced my spouse over two years ago and want my name removed from the mortgage at XXXX   and Trans Union credit agencies where I am listed as owning the mortgage. I filed a quit claim deed for the mortgage and an assumption agreement was filed by my wife as well. My dissolution of marriage judgement, marital settlement agreement, quit claim deed, and assumption agreement of my ex-spouse that XXXX XXXX XXXX bank is a party to, all of which clearly show that my wife has assumed the mortgage were sent to XXXX  andTrans Union. Both have refused to remove the mortgage from my credit report. This has denied me the ability to purchase another home.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made contact with XXXX, XXXX and Experian for the past four months in 30-35 days via certified mail and phone calls.
I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XX/XX/XXXX, USPS certified receipt # XXXX, and another certified letter on XX/XX/XXXX, USPS certified # XXXX, which was return. On XX/XX/XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address USPS certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. 

Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 

2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 

3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XX/XX/XXXX, who is a management representative for XXXX XXXX XXXX. 

4 ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and Experian credit reports this information is " accurate and has been verified. '' 5 ) On the XXXX credit report the debt is listed twice ; which is inaccurate. 

Should XXXX, XXXX, and Experian verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months.

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 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed amount owed. This account in closed and turned over to collections/ charged off but balanced owed increases weekly. Originally dated of dispute is XXXX/XXXX/17. Company has failed to respond within 30 days and has yet to remove account from credit report. Also said company is scheduled to garnish federal refund. This is account is closed and in collections/charged off, balance increases weekly, and set to offset federal refund for amount other than what 's reported on credit report also has failed to respond to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am submitting a complaint today on XXXX/XXXX/15 due to the fact that I ambeing overcharged for my private loan which is a parent plus loan withXXXX XXXX. When I first visited with my parents on the campus todiscuss financials, we were told that the amount would not exceed {$20000.00}. I had come from a XXXX college called XXXX inXXXX, IL. I had received an associates there and was able totransfer XXXX credits to Argosy University in XXXX, IL. 
I still had a remaining XXXX credits to achieve my XXXX degree. 
We had decided that I was to attend school full-time. I also wasnotified on the news that Argosy University was being sued forover-charging students on their loans which has caused financialdistress among XXXX students including myself. I had receivedaround XXXX stipend checks which I returned back to the lender andchose not to keep them. I felt this was the best decision for me, because I did n't want to accrue anymore debt. When I had completedschool, I had received checks from XXXX XXXX and XXXX servicing. 
My federal loan balance was around {$9000.00} and my XXXX XXXXloan ended up being {$38000.00}. We were completely shocked overthese numbers because this was not what we were told. I have beenpaying the loans without a doubt, but will struggle. I have not been lateonce. I spoke to XXXX XXXX multiple times stating that it was difficultfor me to make payments, but were unable to help me. I told themI had made on -time payments and they could n't arrange anything. 
My concern is not the federal loan at this point, but the XXXX XXXX. 
I have attached XXXX documents which include history of my account onmy portal with Argosy University which show all the charges accruedand voids of my stipend checks. I have also included the tuition feeschedule to show what should have been charged per semester. Mygoal is to reduce my financial stress of my total loan of {$47000.00}. 
I believe my account history should be looked over very carefullywith hopes that I can lower my loan amount which is what Iwas promised from the counselor. I do n't believe this amount iscorrect and I am struggling making these payments due to myother accrued expenses elsewhere. The person I did speak with isXXXX XXXX with Argosy University. I do n't have a high enoughincome to support these payments. I have just graduated. 
XXXX XXXX which is led my the state, had revealed on the newsthe large amount of students being misled and overcharged forstudent loans and I believe I am one of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Other mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Unlawfully foreclosed on during a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Deposits and withdrawals

Complaint: I was contacted by an individual who told me he was the IRS and that I had a warrant for my arrest and if I did not pay him money that I would immediately be arrested. He told me I was not allowed to contact a 3rd party about the issue or disconnect from the phone call we were on or I would be considered uncooperative. He then instructed me to go to the nearest XXXX and buy XXXX {$500.00} prepaid XXXX gift cards to pay to have my warrant lifted so that I may begin a payment plan for the nearly {$6000.00} that he said that I owed. He gave me a badge number as well as other professional sounding information. I ended up doing the first {$1000.00} in cash because he told me to go to the bank first. I did the other {$1000.00} on my Regions bank debit card. I finally got fed up when they said I had to pay the entire thing in full and told them I will just have to go to join because I do not have it which I did n't. I was very scared when this was happening. I hung up the phone and went immediately to get my boyfriend from work and told him about what had happened. He told me this had to be a scam so he told me to go to the Regions bank to have them put a stop payment on the {$1000.00} since I actually used my card.When I got there they told me I was the 3rd person this week alone that had came in with the exact same story. He said there was nothing that they could do. I then went to file a police report with the economic crime unit at out jail/ police station where they told me this is an ongoing scam and that it has been a very active one recently. They gave me instructions on what steps to take about my identity and to try to get back the money I lost. When I called the fraud agency they instructed me to file this complaint and that this was indeed something you guys could help me with due to the nature of the fraud. The economic crimes police report is # XXXX their contact n # is 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 11-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: I had a loan Chase, and decided last year ( 2016 ) to refinance my loan to take advantage of historically low rates and lower my payments. During that process, which was so bad Chase gave me a credit, they made a mistake an under funded my escrow account by over 50 %. I was not made aware of this issue, until Chase sent me a letter saying I owed them over {$4000.00} to cover the shortage. 

I spoke to Chase and they admitted that this was indeed their mistake, but it was still my responsibility to cover the escrow shortage of over {$4000.00}. While it is 100 % their mistake and they admitted to it, they refused to attempt to make it right in any way and are still forcing me to pay this shortage. 

This was a mistake that they made at closing, they admit they had all the information, they admit they underfunded the escrow account - but they refuse to make it right. I am now forced to pay over {$4000.00}. They are making well over {$100000.00} in servicing this loan, and now I 'm forced to cover their incompetence?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have sent financials and request for modification to my mortgage co. SPS Several time over the last 2 years. Select Port Folio has been rude and not willing to help me. I want to keep my house. I received a letter from XXXX XXXX XXXX stating that my property will be sold XXXX XXXX, 2016. The property foreclosure letter was received 15 days prior to the property foreclosure sale. See Attachments In Tennessee it is the law notice of property foreclosure sale has to be sent to the Homeowner 30 days prior to the sale They have the paper work to modify my mortgage. Please 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 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a formal request to challenge the hard and soft inquiries on my Experian Credit Report. I have sent letters to each line item requsting validation of each inquiry. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (WA).
Issue: Trouble during payment process

Complaint: The loan just reset after a modification. The first new statement dated XXXX had a different balance showing on the second page {$210000.00} than on the first page {$220000.00}. The finance charge showing of {$860.00} is not correct for the balance showing fo {$190000.00} at the stated interest rate of 5.25 % APR. The second statement dated XXXX shows a different balance of {$25000.00} on the first page than the balance of {$17000.00} on the second page. There seems to be a phantom amount owing of about {$7000.00} that is not showing on my statement. I am not sure what this amount is, whether I am being charged interest on it and if so what the interest rate is. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this wasnt me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2016 about Payday loan () with BlueChip Financial (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I do n't know how much they are charging in fees because the debt collector wo n't mail me a statement. He says he needs a payment arrangement before he sends me anything in the mail. When he called me, for the second time at work, and I answered him for the first time, he accused me of having a blaze ' attitude and shamed me for ignoring him. He was very unprofessional. When I requested he mail a statement, he said he could n't do that unless I gave him a debit card. I just want something to be sent to me in the mail. He scolded me for not calling him, and I told him I only respond to letters when collections are involved, but no one has ever sent me anything from his company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off my credit report.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to the company several times and asked that this information be removed from my credit. This account is current and my parents have taken over this account. It was not filed in a Chapter XXXX bankruptcy. It was filed in a Chapter XXXX and my parents took over the account and it is current.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Payday loan) with 2288984 Ontario Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding breach of contract : On XX/XX/XXXX, I entered into a reaffirmation agreement signed by myself and the then lender XXXX, which was approved by a judge in bankruptcy court in Nebraska. The terms clearly state that as of the date of the new contract any fees were brought current and that the monthly payment included zero additional fees. XXXX allocated a separate fee for property taxes paid by them pre-agreement in XX/XX/XXXX ballooning my monthly payment from the agreed upon amount of {$480.00} to {$1000.00} per month. Subsequently XXXX sold the loan to Caliber Home Loans as of XX/XX/XXXX who inherited the terms of the reaffirmation contract, but have to date not correctly allocated the fees and additional administrative costs they have incorrectly applied. On XX/XX/XXXX a federal court judge and opposing counsel in a legal case I brought against XXXX confirmed that any amount demanded over the approved monthly payment of {$480.00} was indeed a breach of contract and that I could pursue a case in state court. I have spoken to Caliber about this breach of contract over the phone back in XX/XX/XXXX but to date they have not reconciled the account and have mis-allocated the lender advanced fees, administrative costs and deferred interest as it should conform to the reaffirmation agreement terms. Caliber is demanding over {$8000.00} in overdue fees to bring the account current by XX/XX/XXXX or face foreclosure. I was offered a loan modification by Caliber at 3.75 % interest which would have included taxes and insurance in the total monthly payment, but was unable to agree to it by their deadline of XX/XX/XXXX because the amounts listed are incorrect. I would like to have the benefit of a loan modification as I am currently unemployed. I have written Caliber requesting they have the contract reviewed by legal counsel and reconcile the amounts to reflect what they legally represent. If Caliber refuses to comply with the terms of the legal agreement then I will have to sue for breach of contract, but would prefer to set the record straight and move on with a loan modification that is based on accurate terms of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint: in XXXX a payment plan was set up with Citibank , N.A . and payments were made via automatic withdrawal. no payment was ever missed or late. 
XX/XX/XXXX I received a XXXX for the a discharge amount. 
I was never contacted about the payment plan or offered and alternative to the XXXX. 
Can the creditor automatically send a XXXX without approval of the borrower while an active and ongoing payment plan is in place?

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