milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a eviction/ judgment on my credit report. I was living with my mother when she was evicted from the property, I never signed the lease. When she received her keys at lease signing I was not there I was only a occupant living with her mother at the time. I have a XXXX yr old and are struggling to find a apartment because of the eviction on my credit report I am asking for help to have it removed. I never had a apartment of my own

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems when you are unable to pay

Complaint: I have been stuck with Ally begging for a lower interest rate for years. 
They do not budge -they rather me have a hard time making paymentsI have 2 years left to pay and since my financial situation has gotten worse Iam requesting help- they do n't budge, they rather extend my car paymentanother year and half, that is not help. It like im stuck in a bad relationshipwith no way out. Am I late on payments sometimes yes but its because imstruggling! Why not help? They rather I turn the car in?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Purchased my home for {$160000.00} in XXXX. In XXXX, we had modified the mortgage to lower the payments from {$1400.00} to {$1000.00}. We were able to pay that amount until just this past year. We separated, but the house is still underwater for value, so I wanted to keep it. I did another loan modification. They lowered the payments to {$850.00}, but did NOT tell me about the balloon payment until the final docs were submitted. So I stopped paying my mortgage per their instructions, made 3 trial payments, then at the end, they threw a {$71000.00} balloon payment on it. While it 's in the agreement, at the beginning, I did not know about it the whole time, or I would have said No way. But, at that time, I was 3 payments behind, and had paid into the trial, and of course there 's always the money that I already put into the house, and the fact that I did n't have a place to live. This balloon payment is so much that by the time I 'm done paying for the house in XXXX, I will have paid {$390000.00}. Which is over twice as much as the house 's initial purchase price. I do believe they had me in a tight spot, and just to get $ XXXX out of someone who works for a living is horrible. They already put my " 3 missed payments '' into the principle balance, whatever could the $ XXXX be for?

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Payday loan) with Roycroft Management (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: they are contacting my job and family members threatening me that they would come to my job for a loan that has already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I became XXXX XXXX in the U.S. XXXX XX/XX/XXXX. 
As part of signing, I was promised $ XXXX ( before taxes ) via the Student Loan Repayment Program. 
On XX/XX/XXXX I emailed my loan servicer, Nelnet, at " XXXXXXXXXXXX '' with completed JASLRP ( Judge Advocate Student Loan Repayment Program ) forms for Nelnet to sign and forward, along with my promissory notes for loans, to the Pentagon for processing. 
On XX/XX/XXXX I received confirmation by Nelnet, via email, that my JASLRP forms were received and would be forwarded to the appropriate military office address within about one week. 
Sometime in XX/XX/XXXX I received a packet from Nelnet with a copy of my JASLRP forms and a letter stating that these forms were a copy for my records. Upon further review of the copied documents, I noticed that the loans I had identified to be paid off first ( those with higher interest and principle ) were edited so that lesser loans were identified to be paid off first. This is despite clear instructions that I included stating not to edit that information. 
On XX/XX/XXXX I was informed by the U.S. XXXX that my JASLRP forms were never received by the Pentagon. 
Later that day I phoned Nelnet to inquire about the status of my JASLRP forms. I was informed by a Nelnet representative that despite their policy that those forms were to be sent to the Pentagon, they instead did not send them.
As of the writing of this complaint, neither Nelnet, nor the U.S. XXXX has agreed to solve this issue satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.

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 02-05-2016 about Credit card () with DISCOVER BANK (NV).
Issue: Application processing delay

Complaint: Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently found out in XXXX XXXX that Online Information Services ( OIS ) was reporting a collection debt of {$86.00} on all my credit reports, which does n't belong to me. I disputed them through all the three major credit bureaus in XXXX XXXX. XXXX and XXXX removed OIS, but the collection debt remains on my XXXX, reason being the debt was valid. I disputed OIS through XXXX again, providing proof that the company was removed from my XXXX and XXXX reports. During XXXX XXXX dispute process, OIS sent me a letter dated XXXX XXXX, XXXX, stating that they validated the debt through the original creditor. They also provided a bill as their validity of the debt. 

I contacted OIS directly with a certified letter dated XXXX XXXX, XXXX which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay OIS. If no such documents exist, all collection debts from Online Information Services should be ceased and removed from all my credit report. OIS replied with a letter dated XXXX XXXX, XXXX, saying they responded to the same dispute. Once again they send me a bill from the original creditor, but they continue to fail to show any documents bearing my signature. 

I sent a second certified letter dated XXXX XXXX, XXXX, which OIS received on XXXX XXXX, XXXX. I included in the letter they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Online Information Services since, which further proves that this debt does not belong to me. However, they are still falsely reporting the debt on my XXXX credit report, even though it was removed from my other two credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with Weinman Acquisition Group (CA).
Issue: Sale of account

Complaint: was threatend to be sued and wages garnished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: APR or interest rate

Complaint: Capital One has language on the back of their statement describing their terms and conditions. Part of that language covers the situation when previous balances had been paid in full without incurring interest charges, and the first month the previous balance was not paid in full. Their wording is that " If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' However their billing system applies average daily balance method in this situation, violating their owns terms and conditions and charging excess interest to all of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CA).
Issue: Settlement process and costs

Complaint: Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. 
Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Consumer Loan (Vehicle lease) with Byrider Franchising, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: Good Night, My name is XXXX XXXX. I am financing a XX/XX/XXXX ford XXXX with XXXX XXXX in XXXX Fl. The branch in XXXX recently closed down so we have been dealing with the francise in XXXX for payments. On XX/XX/XXXX called to make my biweekly payment. My sister and I typically split the bill in half. XXXX was the agent I was dealing with that evening. I asked her to verify if a card was in their system as she verified I realized she was asking if I wanted a confirmation email. She had already charged the full amount to the account and on a card that I did not verify. When I told her that her response was rude. She immediately began to blame me for being at fault. She was very unprofessional and unapologetic. She even hung up the phone on my sister and I when we called back to find out what she could do to fix this inconvenient error. We then called back and spoke to XXXX hoping he would provide insight on how to file a complaint and get in touch with headquarters so that the recorded phone call could be reviewed. He told me that he had no contact info and that they were corporate. He started telling me that he heard what happened and that I was at fault for the situation at hand. I am frustrated at the customer service I received that day. I have contacted BBB, FFR, and the Fl attorney general. I dont feel I should be stuck doing business with a company that has no respect for me and such callous disregard for mistakes made to customers. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Other

Complaint: Dear Citizens Bank I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In my letter to the Citizens Bank I request physical proof of verification, while providing proof of my identity. I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Citizens Bank is violating my rights under this law. I sent out a certified letters to Citizens Bank and have tracked delivery confirmation that they received my letter. 

I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint next with the Attorney General 's office, should you continue in your non-compliance. 

1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors XXXX, XXXX, XXXX. 

Appreciatively, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with Continental Finance Company, LLC (FL).
Issue: Billing disputes

Complaint: this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (WI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I just received notice that the credit card bank for XXXX XXXX XXXX XXXX is cancelling my card. 

There reason is that the new owners of XXXX XXXX are looking to lower the number of cards issued. ( Or that is what I was told by XXXX XXXX ) Will this have an adverse affect on my credit score. 
I had nothing to do with this action.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from XXXX Arbitration telling me if I do n't pay a debt I owe to XXXX, They will put me in jail from fraud.XXXX I do have a debt with XXXX but the collection agency it is with is call United Debt Holdings not XXXX XXXX XXXX XXXX I never used any of my family members as references when I applied for the loan. I never had my bothers phone number until recently and they called him. XXXX ) I told them by law they are required to give me written documentation and the lady said she does n't have to give me anything. 
I am very frustrated because I have been scammed before and lost lot of money for this type of thing. I do n't want to be scammed again. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BANK OF HAWAII CORPORATION (WY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The bank returned my mortgage payment when there was sufficient funds in the account. 
The fees for returned items ( two times this month ) leave the account without enough money to reprocess the payment, even though there was enough money in the account when the check was processed. 

See XX/XX/17 - XX/XX/17 {$11.00} balance -- - no account minimum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, please help. To be brief, in XX/XX/XXXX I filed bankruptcy with my now ex husband and surrendered a home. BKY discharged in XX/XX/XXXX. To this date, the home has NOT yet foreclosed! After more than 7 years! This mortgage was part of that Countrywide/BOA buyout issue and the foreclosure has started and stopped many times. Currently, the case is closed, without foreclosing. The judge just this year ordered the note to go back to the mtg company, and closed the case. I have since then remarried, and have worked very hard rebuilding my credit. Even though I am not responsible for this debt anylonger due to the bankruptcy, I still can not qualify for a loan until 7 years past a foreclosed date!!! My score is over XXXX now, but due to the home not foreclosing, it has stopped me from moving on with my life, and purchsing a home with my husband. I have written nurmerous letters to the bank as well as one to the XXXX of Florida, and have been directed to you for assistance. I have seen homes foreclose within a year or so, and mine has been over 7!!! Can you please help?? The way this is going, with the case not being assigned to anyone, after being buried for years, this can continue indefinately for years and years. Please help. THIS HOME NEEDS TO FORECLOSE. Former name XXXX XXXX. I will supply documentation of surrendered home in bky pwk when contacted. Original bank was Countrywide, and BOA purchased the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I got a phone call from an unknown number at XX/XX/XXXX, I asked what it was about they told me a Chase account. I explained to the that it is ID theft and that I had a police report to prove it, and I could fax it over he then HU on me. I did not hear anything back until XXXX/XXXX/15 with pre-recording to call XXXX I called the number back and tried again to explain this was due to ID theft, the lady said that they called Chase and they said they had nothing showing it was ID theft, I explained to her that I had also called them and they had no clue what I was talking about, I then tried to explain to her that I have proof and she hung up on me. I called back asked for a supervisor and she refused said there was no one above her, I explained XXXX and I know that there is someone else I can speak with that was not so rude. she then said that if I was XXXX I should pay my bills, I told her that she do n't know me and that I do pay my bills and she hung up on me again. I called back and asked her to please have a conversation with me so I can explain to her what has happened and she just kept over talking me and yelling that they do n't belive me and that because I am a XXXX I have just found ways not to pay my bills. I told her to stop prtending like she knows me and to listen to what I had to say and she told me they are unwilling to work with me because I was irate. I told her I am not Irate I was just trying to explain the situation and she said do n't call again and hung up on me again. I called back and told her that I want to get her fax number so that I can send over the police report and she threatened to sue me if I called again, I told her I do n't understand you called me and I am calling back to explain and she just hung up on me again.

Company response to consumer: Closed with explanation