milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I noticed late payment ( s ) on my credit report that we 're from XXXX XXXX ( XXXX XXXX ). 

I contacted XXXX XXXX and they sent me a letter stating that they would contact the credit bureaus and have the negative remarks removed within 90 days of the letter they sent me. 

They never had these late payments removed as promised. 

I have a copy of the letter that I will attach to simplify this complaint. 

My goal is to have these late payments removed from my reports as promised. 

I have attempted to contact XXXX XXXX again to have them correct this. They have not and stated there is nothing else they can do. 

I have sent certified letters to all XXXX credit bureaus containing the letter from XXXX XXXX specifically stating these late payments should be removed. They refuse to remove them. 

I spoke today with TransUnion and they told me that " Documentation from XXXX XXXX '' is not sufficient for them to remove these late payments. 

That is insane. There is nothing more official that could be presented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They called to my cell, and I explain to them that I already paid it. I have all evidence but they keep calling to me. I ask to stop call me, but they call to my work after I ask not to call. 
They never sent me written notice but keep calling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Transaction issue

Complaint: by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: As a part of an agreed contractual agreement, the account was paid and specifically negotiated with the company, that the negative item would be permanently deleted and permanently removed from all reports ( XXXX, Equifax, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I am writing to complain that I have a basic checking account with Citibank for the past 5 years and they have been offering this thank you points program which my account is not even eligible for. I even have a thank you points account. I was told by the thank you points online chat that I would need to speak a customer service agent on the bank account side. I proceeded to do so and was told by the customer service agent that my account isnt eligible for thank you points since its basic checking. My question is why would you have a consumer who has been a good customer be set up with thank you points account and not give them points nor explain to the customer that they are not eligible yet they have an account for thank you points set up? If you look at the last page of the uploaded documents it says I have XXXX rewards and happily shows me that I have nothing? This does n't make sense?

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 09/17/2017 about Vehicle loan or lease (Loan) with U.S. BANCORP (AR).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I HAD A LOAN THROUGH US BANK IN 2014, THE CAR TOTALED AND THE INSURANCE COMPANY PAID OFF THE LOAN. US BANK EVEN GAVE THE INSURANCE COMPANY THE TITLE OF THE CAR. I WAS TOLD THAT I HAD TO MAKE ANOTHER PAYMENT AFTER THE TITLE COMPANY PAID OFF THE LOAN-SO I DID FOR XXXX. I THOUGHT THIS WAS VERY WEIRD, BUT I HAD MISSED ANY PAYMENTS AND DID N'T WANT TO DAMAGE MY CREDIT. EVEN THOUGH THE INSURANCE COMPANY STATED THAT THEY GOT A PAID IN FULL LETTER FROM US BANK. NOW I SEE A CHARGE OFF ACCOUNT FOR XXXX ON MY CREDIT REPORT FROM US BANK, THEY ARE STATING THAT I SHOULD HAVE WRITTEN A CHECK FOR XXXX, AFTER THE INSURANCE COMPANY PAID OFF THE LOAN. BUT I CA N'T GET ANY DOCUMENTATION FROM US BANK AND THE CHARGE OFF DEPARTMENT IS STATING THAT I OWE IT " PLAIN AND SIMPLE ''. SOMETHING IS NOT RIGHT HERE.

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 07/17/2016 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}. 

These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.

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 06/25/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I 've informed the loan company that with a loss of a job, I 've had some difficulties paying on my loan. I have made payments when possible and I continue to work towards paying off the loan. When the manager of the company calls to collect, that 's understandable. I do n't have an issue with him trying to collect. The problem I have is the manner in which he speaks. Knowing I have lost my job and just started a new one, this manager says that I am being a " coward '' and that " I 'm not a man '' for paying on the loan when it 's due. He has stated that he " does n't trust '' me as a person and he keeps calling my job after I have asked him several times to stop. I have an issue with this. For him to get personal with me like that, bully me, and harass me at work after I told him I will get in trouble for the phone calls, I 'm fed up with the way he acts and I want someone else to step in and handle this. To put me down and degrade me, knowing I just lost a job, and to call me a coward and telling me I 'm not a man is not only just plain rude, but it is affecting me on a personal level. I try hard to support my family and pay my bills. It 's not my fault that my old company was sold and me without a job. I 'm trying to do what 's right but to be put down and harassed is truly uncalled for. My complaint is that I 'm getting bullied, harassed, and put down by this manager, even after I have tried to make payments to him, and I want it to stop. I do n't have any desire to deal with this guy anymore and I know I should n't have to. Please help me get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio is attempting to foreclose on a home they have no legal rights too. We have asked that they provide copies of the note. They have advised us in writing that the note was destroyed/manipulated. Therefore they are unable to produce it. Our contention is that neither XXXX XXXX ( who also has admitted to know be the lender ) nor XXXX XXXX XXXX posses the note. In additional XXXX accounting is suspect at least. They large principle payment ( over {$100000.00} ) made on the loan never cured the rearrages. It was applied to the principal balance and the loan remained in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We are selling my mothers home and need the payoff amount from Ocwen financial. I 've been calling for two months trying to get a response but to no avail. This week we are supposed to be closing and we still have n't had any response from Ocwen. All we need from them is to verbally confirm the amount and fax over some paperwork to the escrow company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 I purchased a shake sample with no contract or commitment. It said if cancelled within 13 days there would not be an auto ship. I cancelled the next day. I have a XXXX. I sent a email to the company the very next day and had confirmation that it was cancelled. The company billed me anyway. I made a mistake by filling a dispute with Capitol One as apposed to contacting the company. Despite my proof that I was NOT in the wrong, Capitol One re-billed the charge almost immediately. I spent 50 days and numerous hours trying to contact my " specialist '' whom I never was able to reach. I was lied to, told the dispute was not closed while I was getting letters saying the closed my case. I was reduced to tears and felt help helpless. I finally called the company. I was crying. They said they could n't believe Capitol One has put me through this ordeal as they could see that I was not in the wrong and they apologized profusely. They said since it was in a depute process, they could n't help. I contacted Capitol One again to learn that they refused to help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion refused to correct a deliquency that the reporting company verifies they have corrected. XXXX XXXX XXXX, XXXX, XXXX sent me a letter regarding my XXXX card on XXXX XXXX, 2016 indicating that they have cleared me of any delinquencey associated with Account ending in XXXX. I have received verification from XXXX that they have sent this to all XXXX credit reporting agencies.I received a letter from TransUnion dated XXXX/XXXX/2016 stating that they will not correct the 30 days late. I forwarded TransUnion this letter, which indicated they had removed the delinquency.

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 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed a collection from Hunter Warfield on my credit report. I sent them a validation letter. They responded with a letter stating, at this time they do not have enough information to validate the debt and therefore ceasing all collection activity AND reporting. It was then removed from XXXX and XXXX XXXX but XXXX has not removed it and I believe Hunter Warfield has not notified them of this which I believe is a violation. XXXX is stating they verified the account even though I sent the letter from Hunter Warfield to them. Unless Hunter Warfield request it be removed then I do not think XXXX will remove. I believe both companies XXXX and Hunter Warfield are now in violation of the FDCPA and Texas Finance laws regarding reporting and XXXX party debt XXXX. This should have been removed 30 days ago and I am now having to take time out of my work schedule to file complaints. This should have been done along time ago. It is hindering my ability to purchase a home for my family and starting to cause a real problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Closing/Cancelling account

Complaint: I had a credit card with Home Depot. In XXXX 2015 I closed the credit card account, paid the bill, and destroyed the card. The payment for the final bill arrived one day late. Home Depot charged me a late fee and interest, then continued to charge additional late fees on the previous late fee each month. They would send me emails saying that my bill was ready, which I assumed was an error since my account had been closed. Four months after I closed the account I looked at XXXX of these emails and saw that they claimed I owed {$130.00} - compounded late fees. I called an XXXX number and I spoke with XXXX, who did not feel that I had any right to claim this was unfair, and asked that I pay the full amount. When I asked to speak to someone else, she agreed, put me on hold then hung up. I have repeatedly tried to call back but always get the message that they can not talk to me now and to call back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}.
The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs.
The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX.
The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed.
I disputed the account with my credit reports, however, XXXX  verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Some one help me, ATTORNEY GENERAL OFFICE, FBI, FDIC, OCC, and all other agencies, this is one of most disgusting things I ever seen, I have paperwork to prove XXXX XXXX CREDIT CARD closed my account out clean and reported me good for for over a year with account closed. Well someone disputed them at TRANSUNION or something, I am going after XXXX XXXX for money they owe me, the XXXX have nothing to do with each other, you are not gon na believe what XXXX XXXX did, and TRANSUNION, XXXX XXXX out of spite illegally put a remark on my TRANSUNION and brought my credit from XXXX to XXXX with a negative remark which has should never been on there, they are doing it out of spite, first of all I have every right to go after them for illegally embezzling money on my credit card, they have been reporting positive for over a year, but the issues run deeper, XXXX XXXX closed my card and said they did n't, but oddly right at {$1000.00} which was my secured deposit WHICH IN ITSELF MAKES NO SENSE, but they also re put disputes on their over {$1500.00} worth and kept the money, these things have nothing to do with credit reporting, but they put a negative remark out of spite with after being identity theft, beaten on property and other things they know, they have hurt my health, my credit to get a loan for car or home and job and then some, this is criminal and I will not rest til they pay for what they did, how gross and scary.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The account XXXX Date of First Delinquency has been re-aged on my XXXX credit report as XX/XX/XXXX. This account has been delinquent since XX/XX/XXXX. The account has never been brought current. 
Line Item : XXXX XXXX XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX XXXX XXXX FL XXXX I have disputed this information several times with the disputes department at XXXX and XXXX XXXX XXXX. The information will be corrected and then re-aged again. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from Bank of American ( original loan holder ) with the clear first date of Date of First Delinquency as XX/XX/XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XX/XX/XXXX ( XXXX behind in payments ), making it currently 8 years old. This account has continuously been sold and resold. Country Wide Home loan XXXX BOA XXXX XXXX XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.

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