milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had two XXXX XXXX accounts that are being incorrectly reported to the credit bureaus. After having a difficult time with paying my debt and ultimately nearly going into default I contacted the company who agreed to accept a settlement on the accounts. They agreed to remove the information from my credit report upon payment of the account. I settled the account with XXXX XXXX, however they did not follow through with the removal from my account as promised. Please remove these accounts from my report. Regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: XX/XX/XXXX as I 've done every month for years I submitted a request through the Citi credit card website to pay my bill in full the day before the due date which in this case was XXXX XXXX. On XXXX XXXX I noticed that no payment was deducted from my checking account and upon calling found that they had no record of me submitting the request. I immediately paid the bill on the phone in full. Even though their IT Department can go into their system and confirm or deny any click I made the day I did the payment, they refuse my request to prove that it was my error and not the error of their anything but infallible system. The time this transaction occurred can be exactly identified. I asked to speak to a Supervisor and this has not occurred either, beyond one person who did n't identify himself or leave a call back number leaving me a message. I content that this problem was caused by one of the many constant irregularities of the Citi website and the interest should be waived as it was their fault not mine.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed 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 with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with GC Services Limited Partnership (NE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to GC Collections who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on XXXX account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. XXXX XXXX was made aware of their actions at that time but still uses them. It would appear to me that XXXX is aware of the problem and approves of their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NATIONAL CREDIT SYSTEMS I was being garnished XX/XX/XXXX. owed money to a property Management in XX/XX/XXXX. This was paid off by XX/XX/XXXX and the garnishment stopped. I was applying for an apartment and on my credit it said i still owed XXXX. I called to deal with them and to set up payments because i had no idea i owed them this long. they were very rude and i would not set anything up. the lady said to call back when i had more money and hung up. Looking more into this i found that others like myself were being charged for amounts that had been paid off. I paid the amounts and the garnishment stopped. i never got anything in writing stating that i still have fees. none of my paperwork says i would still owe money. i have a paper that shows my last payments garnished. they were able to contact me through my employer. if i still owed money why was n't it also garnished? i paid my fees, and now this issue is now making it difficult to find a place to live. this is causing hardship, this will make it difficult to get to work since i now have to move in with a relative, making my commute long and difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Ordered a XXXX credit report and scores from XXXX ( Experian ) .They only gave me XXXX score and XXXX report from Experian. They said there was an error in getting the other XXXX scores & reports. I paid them {$49.00}, & they will not refund my money. It was paid with a Visa card

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Medical) with Charlottesville Bureau of Credits, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Valley credit collection agency was paid for XXXX delinquent accounts on XXXX/XXXX/2015. {$56.00}, {$100.00}, {$120.00}, {$25.00}. Totaling {$300.00} plus a processing fee of {$5.00} for grand total of {$310.00}. Collection agency refused to provide me written communication of itemized bills I paid. They also have not notified credit bureaus that accounts were paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a Qualified Written Request ( QWR ) /Debt Dispute Letter to Ocwen Loan Servicing dated XXXX/XXXX/XXXX by XXXX Certified Mail on XXXX/XXXX/XXXX. Ocwen has not responded to date. As part of my proposal for an out-of-court settlement to my debt dispute, I also sent to Ocwen a completed Request for Mortgage Assistance ( RMA ) form with the required supporting documentation to which Ocwen acknowledged receiving. While confirming receipt of a copy of my tax return as part of its requirements to complete its review of my pending loan modification, Ocwen stated in its letter dated XXXX/XXXX/XXXX that my tax return was without signature ( s ) or evidence of electronic filing, and the due date for said document which was XXXX/XXXX/XXXX has now passed. Since I only learned of aforementioned requirement from Ocwen 's letter on XXXX/XXXX/XXXX, which was already 2 days after Ocwen 's imposed deadline had passed, I mediately sent by certified mail on that same day ( XXXX/XXXX/XXXX ) the signed copy of my tax return. However, instead of receiving a notice of the status of my loan modification application & request, I received XXXX weeks ago a copy of Notice of Trustee 's Sale dated XXXX/XXXX/XXXX ( recorded on XXXX/XXXX/XXXX ) which schedules the foreclosure sale of my property on XXXX/XXXX/XXXX. While Ocwen has not formally declined or disapproved my pending loan modification application to date, in violation of the XXXX California Homeowner Bill of Right ( HBOR ), Ocwen caused/directed its agent, XXXX XXXX XXXX, to proceed with the foreclosure action against my property by issuing said Notice if Trustee 's Sale. This is a blatant violation of the CA law. It is referred to a " dual tracking '' under the CA HBOR. In this regard I have written Ocwen a follow up letter on XXXX/XXXX/XXXX ( see attached ) and also demanded for the cancellation of the scheduled unlawful foreclosure sale of my property on XXXX XXXX, XXXX. I have not heard back from Ocwen to date. May I therefore request for CFPB assistance in this regard. Time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an unauthorized Fraud Alert on my account, I am attempting to refinance my home, but per them f the finance company will not approve my loan. 
Will you please remove the Fraud Alert. 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 explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My loan fell behind XXXX months because of a job change, I was attempting to make a payment over the phone. I have money coming in XX/XX/XXXX and I explained to the company I wanted to make XXXX payment on Friday XX/XX/XXXX. They refused to take my full month 's payment unless I agreed to pay for XXXX months worth that was predated. This company, U.S bank XXXX mortgage is clearly violating UDAAP provisions because I 'd still be taking credit damage and late fees in spite of making payment arangements, which is undue financial damage to 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 explanation
Consumer complaint received 02-03-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Delinquent account

Complaint: Hello, My husband and I did a balance transfer to pay off our Home Depot card and we thought we had paid it off but there was a {$68.00} balance. We use to receive paper bills but somehow they stopped so we assumed it was paid in full. I checked my credit report a couple months after because I am in the process of getting pre-approved to buy my own place ( My husband and I are getting divorced ) and could n't understand why my credit score went from XXXX to XXXX and saw that Home Depot has reported us 2 months past due! I was so upset! I called Experian and they let me know only Home Depot could only fix it. We 've been cardholders for over 10 years, and have never been late on payments. 
I called Home Depot they told me we had switched to e-statements to my husbands email address ( he never received them ) which we do n't recall doing. They said I could send a letter of explanation along with my full credit to their dispute department. Only to be rejected 5 weeks later stating that it was true and accurate information that I was late for the the payments. I let them know my husband and I are in the process of going through a divorce and my future depended on my good credit so I am able to buy my own place for my XXXX kids and myself. I am so furious that they wo n't even take into consideration our excellent credit standing with them or the circumstances behind it. How could we pay the {$68.00} balance when we had no idea it was due and they charged us several late fees on top of the small balance. We had paid them {$4400.00} via a balance transfer, what would make them them think we 'd be late on purpose to pay the remaining small amount we owed? 
I am hoping you can please help me get these negative marks off of our credit. It is so disappointing. They also lowered our credit limit from {$5000.00} to {$500.00}. 
I will never use their card again if they do n't adjust the negative marks! They clearly do n't value good customers. 
I 've attached a letter I sent to Home Depot to dispute our account. I am hoping you are able to help me. Thank you in advance for your help. 

Kind Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit card () with JPMORGAN CHASE & CO. (PR).
Issue: Payoff process

Complaint: I have a mastercard Visa with Chase. I submitted a payment for {$200.00} on XX/XX/XXXX and it was debited from my bank account. When I called the bank to check on the payment ( to inquiry about the balance on my account ) a Sr. credit analyst ( XXXX from XXXX XXXX ) told me that I had to wait 8 days before the payment cleared to see the new balance on my card. She also stated that she had to call the bank ( where the money was paid from ) to see whether the amount had already cleared. This is simply preposterous that in the age of computer she has to call a bank ... 
I find it outrageous to wait 8 business days for a payment that was debited on XX/XX/XXXX to be credited to my account. In the meantime I ca n't use the card because the balance appears for a higher amount than it really is, and I have no credit leeway.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a complaint with Esperian regarding my account not being updated for XXXX XXXX. I requested either the company verify infoinfo and update account appropriately or delete account and in return my account was updated with incorrect information and my credit score dropped drastically. This is not only wrong but inappropriate on many levels as this is jeopardizing my loan to purchase a 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 08-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: -HELOC with Capital One that matured in XX/XX/XXXX ; payments were made timely until refused during XX/XX/XXXX. I learned via a credit report review in XX/XX/XXXX that Capital One was reporting the matured loan delinquent and in foreclosure. I had not bee

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Unifin Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Trouble during payment process

Complaint: every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (KY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Was contacted by premium asset services posing as XXXX XXXX law office from the phone # XXXX. Threatened to file with city clerk if I did not pay and provide bank account, or debit card # 's. Would not provide any verification that I owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.

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 07/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Law Office of Arnold Scott Harris PC has called repeatedly since XX/XX/XXXX claiming I owe a debt to the Illinois XXXX. They say I must pay them directly, and give me the number of the violation. I have contacted the XXXX and the XXXX county court and no such debt exists. They continue to call and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation