milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had disputed XXXX accounts in which one was an inquiry and the other was an account. This request was completed on XXXX XXXX, 2017 in which all of my hard inquiries were removed ( XXXX accounts including the one I was disputing ). I noticed however, XXXX hard inquiries were reinserted back onto my account without any written or literally ANY notification to myself. The only reason I discovered the change was because of I monitor my credit through XXXX XXXX and seen a severe XXXX point drop in my score. 

I reached out on XXXX XXXX, 2017 to TU and spoke with a rep name XXXX to explain the reason for my call and was immediately told I would need to purchase a TU credit report for {$9.00}. I explained again the reason for my call ( the deletion and reinsertion of the inquiries and the score drop ) in which he first admitted a system glitch had occured. When I questioned why I would be obligated to purchasing their TU credit report for a mistake they caused, he became defensive and claimed he never said there had been a glitch and directed me to contact the companies individually to dispute each inquiry. This was very heartbreaking and insulting. 

I requested his supervisor and was transferred to a woman who stated the glitch was being investigated and to check again in a week. I informed her the most recent credit activity I was looking at had been over a week since their glitch, with no changes to my credit score. She then informed me that I would need to purchase a TU credit report to see their findings in which I requested her superior. I began to lose faith in TU after this continued byt knew I had to stand for what was right. 

I was then informed I would be transferred to her supervisor in the US. The last rep I spoke with informed me that the deletion and reinsertion should not impact my score significantly and that I further investigate. Feeling as though I had struck a brick wall with each rep, I gave up and decided to reach out to you for help. 

If TU would have owned up to their glitch and provided me with written notification of what happened, I would have understood but to first admit it, then insult me by stating I was never told there was a glitch and try redirecting me to other parties while attempting to strong arm me into purchasing a credit report for a mistake that they made -- is UNHEARD OF and downright belittling.

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 05/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit account.

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 08-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (Auto) with EXETER FINANCE CORP. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: got me on a computer calling machine after I talk to a representative off this company they continue to call me XXXX times a day, I have already made payments for automatic withdraw from my checking account, and they still harass me, I also told them not to call me on the XXXX and yet I recieved XXXX calls today.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Private student loan debt) with Asset Recovery Solutions, LLC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: From XX/XX/XXXX to XX/XX/XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX ) made payments to our home equity line of credit with XXXX XXXX XXXX ( A/C # XXXX ). Our payments were made according to the terms of the loan and in excess of the amount due each month. In XX/XX/XXXX and XX/XX/XXXX,  payments were made, and subsequently returned to us because, according to XXXX XXXX XXXX, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of HELOC in terms of paying more than scheduled amount by XXXX XXXX XXXXXXXX. Therefore, the only two months where payment failed to post to this account were due to payments returned by XXXX XXXX XXXX. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the XXXX XXXX XXXX system. Please see transaction dates between XX/XX/XXXX and XX/XX/XXXX vs XX/XX/XXXX and XX/XX/XXXX. As you can see from the XXXX XXXX XXXX print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IA).
Issue: Credit decision / Underwriting

Complaint: Although we have been very responsible with our mortgage of over 15 years -- -with ocwen and XXXX -- -we are still stuck in a punitive mortgage rate of 9 -- 16 % -- -- is there anything you can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: I am trying to build my credit so I applied and was approved for a SECURED credit card through Capital One XX/XX/XXXX. It required a {$50.00} DEPOSIT which I made. I used my card for purchases. Then I made my 1st payment of {$200.00} on XXXX/XXXX/2016. I had am available balance and made more purchases. Then on XXXX/XXXX/XXXX I made my 2nd pymt of {$190.00}. I should have an available balance once again. Both payments were made with my XXXX checking acct. Since XXXX/XXXX/XXXX, my card has been declined, my online Capital One acct has been restricted. I called Capital One today and received no resolution, I was just told that they needed to verify my XXXX account was indeed mine and that they could n't verify right now or provide with an expected resolution time of when it would be resolved because XXXX lines were busy. So from XX/XX/XXXX to present XX/XX/XXXX Capital One has my {$50.00} deposit and my {$190.00} payment, but I have NO ACCESS to my account, my available credit, or my deposit. 8 DAYS AND COUNTING HOLDING MY $ HOSTAGE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX I discovered after a conversation with my ex-husband XXXX XXXX   that the credit agencies deleted a past mortgage. I did not authorize this. At the time I had hired XXXX XXXX to do credit repair in XX/XX/XXXX. It was on there prior to hiring them. They, however, deny removing it. I wrote to all three agencies and they will not address the issue.

I have provided plenty of evidence showing when account opened, closed, high balance and correct payoff.

I am XXXX yo grandmother and it shows I only have had credit for four years!

It is damaging my score due to lack of credit information. XXXX XXXX no longer exists so there is no way for me to contact them directly.

Need this to report on my credit file. They report bad but don't want to report good when its old.

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 02-06-2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (IA).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I requested the name of the foreclosure attorney and a reinstatement quote. I took more than XXXX days to receive the reinstatement quote and I never received the name of the attorney. I faxed a XXXX page loss mitigation package on XX/XX/XXXX and I have a fax confirmation showing the transmission was successful. I called Stonegate on XX/XX/XXXX and was advised they never received the information and they have no obligation to search their records to locate the documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I re-financed our 1st mortgage and home equity loan with PNC Bank, NA back in XX/XX/XXXX. PNC Bank had sent our one of their 3rd party appraisers to our home. The appraisal came in much too low and they indicated that we could go and get another independent appraisals done on our own. We did just that. Our licensed appraiser came in at {$55000.00} higher than the PNC Bank appraiser. PNC Bank will not accept our appraisal or at least meet us half way between both appraisals, thus we had to take out additional funds onto our home equity loan which in turn interest rate and the amount that we had to place on the HELOC. A recent home in the area just sold for almost exactly what our home appraiser indicated exactly what the price in the area would be. I am disputing the PNC appraisal and would like PNC Bank, NA to accept our appraisal and re-adjust the HELOC so that the funds go back onto the 1st mortgage and the lock in interest rate we have with them and lower the interest rate back to the original HELOC interest rate that we original had before we had to re-fi the HELOC. Both are at 3.5 % interest rate. We has sent numerous letter, e-mails and telephone calls to PNC Bank but they will not do anything about it. Appears to be unethical business practices on the part of XXXX XXXX XXXX XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on

Company response to consumer: Closed with explanation