milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Ally has reported 8 late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with transunion and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the 8 late payment entry that are reporting incorrectly removed.

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 02-07-2018 about Debt collection (Other debt) with Monterey Financial Services LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: MONTEREY COLLECTIONS - This Company has been informed via the major credit reporting agencies that this is a debt not owed as it is absorbed in a chaper XXXX bankruptcy of 2015. The debt was obtained prior to the XX/XX/2015 bankruptcy which automatically includes it in the bankruptcy. 

It has also not been verified through the dispute processes of the cra 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, without notice, XXXX XXXX XXXX force closed two of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to Equifax or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX XXXX XXXX 's mess. This should be XXXX XXXX XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Trouble during payment process

Complaint: This excerpt from an email sent to LoanCare on XX/XX/XXXX sums up the situation : " This is re : my new mortgage payment amount. As I have provided documentation over 4 months ago showing that I am exempt from property tax, and as LoanCare has taken no action in all this time to adjust my mortgage payment but has dunned me to pay my previous payment of {$480.00}, I have found it necessary to take matters into my own hands. My annual property tax amortized monthly is approximately {$68.00}. As I am exempt from property tax this leaves {$420.00} which will be my new mortgage payment per month. Moreover, my exemption began on XX/XX/XXXX yet I paid the former mortgage payment that month. Thus, I have overpaid LoanCare {$68.00} which I will deduct from the payment for XX/XX/XXXX. Thus, on or about XX/XX/XXXX I will pay $ XXXX or {$350.00} which should correct my account. As my need to take this corrective action is a direct result of LoanCare 's unresponsiveness to my emails and phone call, I expect LoanCare to notify all credit agencies it reports to and ensure that my record shows I am in good standing. If attending to this situation is too difficult, demonstrated by LoanCare 's continuing  unresponsiveness to my account 's needs, perhaps the Better Business Bureau will be able to assist. 

In futile hopes of prompt attention, '' LoanCare responded to this email by continuing to dun me for payment that was not owed. I did file a complaint with the Better Business Bureau at which point LoanCare 's escrow department finally reevaluated my account, but the amount they claim my monthly payment should be is higher than I calculated and they claim I am over {$700.00} behind on my mortgage, which I am not. They continue to dun me for payment sending letters threatening me with foreclosure.

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 09/28/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (FL).
Issue: Struggling to pay mortgage

Complaint: 1. XXXX XXXX filed a fraudulent foreclosure in the Fourth Judicial Circuit in and for XXXX County Florida case  no. XXXX. 
2. The case has fraudulent Notes, Assignments, and  Complaint because the Complaint is notarized the year before it was even made. 
3. The court gave a default judgment to the Plaintiff that does not exist.
4. Another department of XXXX XXXX XXXX XXXX says the note and mortgage this is attached to the loan number on my house is not in their system, so they do not own it.
5. This has been told to court but they refuse to listen because they are stealing properties from the American people and making millions of dollars. 
6. Attorneys are working with the judges and clerk of court aiding in the theft of properties using the name of the banks and trust.
7. I have a letter from the Plaintiff stating that a REMIC Trustee can not file foreclosure on a property. 
8. XXXX XXXX assignments were intentionally left out of the case showing ownership and break in the chain of title.
9. The Mortgage statute of limitation on lawsuits is being ignored.
10. These USC 18 Section 4 felonies reported to judges and sheriff are being ignored.
11. The SEC securities Fraud being committed by banks is being ignored.
12. The IRS tax evasion by courthouses is being ignored.
13. Identify theft creating new loan number without authority to do so.
14. My home is set for an unlawful sale XXXX XXXX 2017.  This property theft in progress is being reported to you.
15. FDCPA violations created.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 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: Personal information incorrect

Complaint: Retrieved a credit report XX/2017 and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, XXXX and TransUnion on XXXXXXXXXX around XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XXXXXXXXXX at XXXX, XXXX on XXXXXXXXXX at XXXX, Transunion on XXXXXXXXXX at XXXX. To date, I have received updated personal information reports from XXXX and Transunion. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.

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 08/28/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I had a car loan through Capital One that I got in XX/XX/XXXX. In XX/XX/XXXX, I was in an accident and the car was totaled out. Since I had just recently purchased the car the year before, I was under on the difference. Capital one called me directly and offered a settlement, to which I accepted and paid what they requested in full by the deadline that they gave me. They assured me that it would not negatively impact my credit report/score. However, it has and continues to impact my score/report. The first time capital one reported this account to my credit report after I paid the settlement, it was showing as if I was derogatory on making my monthly payment - even though the loan had been paid via the settlement. I called capital one to dispute this, and after several attempts, they finally changed the status to a closed account. Now, as I 'm applying for a home loan, I find out that capital one recently updated the closed car loan account on my credit report, and is it showing as if it 's a new derogatory account, even though it 's from several years ago. It has reduced my score and is significantly impacting my report. I will never, ever do business with capital one again. I am asking that this error is resolved so that it does n't look like I recently faulted on a car loan that was settled with capital one almost 5 years ago. It is reflecting as being updated on my XXXX report in XXXX XXXX. However, on my XXXX report, it reflects the last update as XXXX/XXXX/XXXX - which is what it should be as that 's the date of when our settlement was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

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 06-04-2017 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: Information belongs to someone else

Complaint: My name is  XXXX   XXXX  I have been a victim of identity theft. I have sent a my identity theft report along with a police report to the credit bureaus on  XXXX  2017 an d I have no problem with  XXXX  but transunion did not honor it. I know transnion is suppose to send a code and the creditor is suppose to agree to that code. These accounts federal loan servicing are all reporting from a fraudulent account in  XXXX  Ga. I stay in  XXXX  and have stayed there all my life. Transunion has my report and they have a police report and they are breaking federal law by not deleting the known fraudulent accounts not to mention they acknowledge the account is fraudulent and they acknowledge having my police 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 explanation
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a 3 series on XXXX/XXXX/17 and setup my online account after receiving my first paper statement to make it convenient for payment scheduling. Then after a few days I received an email for an X1 with someone elses account information on it, I logged in to my account online on XXXX XXXX website and it showed someone elses information on my account and I was unable to locate my car or information there. I have called BMW financial infinite times at XXXX but they keep giving excuses and keep giving me the runaround. Hence I have decided to file a complaint against BMW Financial as its criminal negligence on their part as I being a customer is dedicated to solve this issue and they dont care about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Systematic National Collection, Inc. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This was communicated to the company after  XXXX    XXXX   via phone. I do n't have written complaints because I was focused on taking care of my ailing parents. The nature of the communication is as follows.     I cant tell you how excited I was to join your program. I was devastated by the harassment I have received after I communicated that I could no longer continue with the program because my father was gravely ill and expenses had to be redirected to his care. He has since passed away yet I continue to be harassed even stalked by constant calls and letters. Sadly whatever you can do to my  credit score  has already been done and in the spirit of your program  XXXX   XXXX   XXXX   XXXX  this is a complete betrayal and borders on fraud. I assume I am not the only one who has been contacted in this manner.     I will continue to reach out to agencies like Consumer Financial Protection Bureau for remedies against your company. Shame on 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 08/22/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for Pendrick Capital Partners to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, XXXX XXXX XXXX XXXX has called me repeatedly even though I have written to multiple collections agencies who have each notified Pendrick Capital Partners of my dispute and my requirement to cease phone calls to any number that may reach me. This XXXX complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Other

Complaint: Chase Bank raised the interest rates on my Chase XXXX Credit card, my Chase Slate Card, my XXXX XXXX XXXX Card from the current 19.24 % to 24.99 % for cash advances. this represents a 29.89 % increase. Chase also raised the Balance Transfer fee from 3 % to 5 %, which represents a 66.7 %. This is outrageous and I believe it enables them to act like loan sharks. They have also raised their late payment and return payment fees exorbitantly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX  of  XXXX  I pulled my credit report and found t hat Dept. of  Education/ XXXX  was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred  while my income based repayment plan application processed. On the Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- sent return receipt request via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was asked and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not report 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this wa s unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .  XXXX  sent notification that they saw this and removed the late payment.   XXXX   and Equifax declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting these calls from XXXX and they never leave a message. So I looked them up and found it to be XXXX XXXX in XXXX XXXX, CA. I do NOT owe anyone anything. I have never been late on a bill in my life, my current bills ( which there are only three ) I have paid in excess of a year in advance. I have blocked their phone number and will not call them as any previous attempts to call such places who all seem to be looking for a " XXXX XXXX '' resulted in abusive service and continued calls. I am NOT XXXX XXXX and again, I owe NO ONE and I am NOT late on ANY bills. These calls must stop or I will have my lawyer involved and sue them for {$1500.00} per call as I understand is my right to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.

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 12-03-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Payoff process

Complaint: I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday 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