milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: RECURRING INFORMATION, Proof that XXXX XXXX XXXX  violated and reneged on an agreed Payment Plan. Attached you will find a letter sent to XXXX XXXX, CEO, XXXX XXXX XXXX Corporate Office on XX/XX/2017. The letter clearly spells out that the agreed upon Payment Plan is for {$81.00} to be withdrawn from my checking account each month. I now provide proof, back-up and support that {$81.00} was withdrawn from my checking account with XXXXXXXX XXXX on XX/XX/2017, XX/XX/2017, XX/XX/2017 and XX/XX/2017. The bank statements show and explains the withdrawals. Following the last withdrawal of XX/XX/2017 the withdrawals stopped without notice or written confirmation to me. The account was them placed on credit bureaus ( XXXX, Transunion and XXXX ) that I had defaulted and then charged off. Transunion, XXXX and XXXX did not investigate and discarded my complaint to the benefit of XXXX XXXX XXXX becoming co-defendants. I have now received a collection notice from the XXXX XXXX XXXX XXXX XXXX : XXXX. It is my belief that XXXX XXXX will be somewhat displeased that individuals within their organization would purposeless damage and harm the financial well being of an unsuspecting consumer. I believe that my experience with the credit bureaus will get national attention and rightfully so!

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 02-02-2018 about Debt collection (Credit card debt) with Security Credit Services, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted them about a Fair Credit Report Act matter. Instead of addressing the concerns, I received a letter stating that my account is no longer being services. I attach a letter with more details.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX. 
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove. 

For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at 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 non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (Credit card debt) with URS Holding, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with XXXX XXXX which is with XXXX XXXX XXXX XXXX After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (AK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have sent them " comments '' that they allowed me to send but they do not ask for my email so they obviously will not attend to it because they have no way to reach me. I gave them my SSN twice and I am concerned that they are legitimate. They are annualcreditreport.comthank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am going thru a child custody dispute in the court system in XXXX XXXX MD. My sons Mother is a XXXX  XXXX at XXXX XXXX XXXX and She ran my credit through her Job without my permission Her name is XXXX XXXX. This happened on XXXX XXXX 2018. I found out thru my XXXX XXXX monitoring

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 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We started the short sale with ShellPoint XX/XX/2016. On XX/XX/XXXX they did a drive-by valuation resulting in a value of XXXX. We then initiated a value dispute due to the documented damage to the property. We were told it would take 7 days to return a decision on that value dispute. It took 16 days to get them to tell us the results - they said this was " Due to an interior appraisal that was performed on XX/XX/XXXX ''. We were told that the " new interior appraisal '' returned a value of XXXX. When we were sent a copy of that " interior appraisal '' it turns out it was another exterior valuation only. They lied to us. -- -- -- Please see attached - it is circled in red. 

There are NO interior pictures from the appraiser. It is obvious he never entered the property. 

The square footage listed on the BPO is not remotely correct. The county records have the property listed at XXXX square feet. The appraiser listed the square footage at XXXX - see attached circled in red. 

No working furnace. The property is in the mountains where it is currently below freezing - and has been for some time. 

ShellPoint has outright refused to acknowledge verified real damage that would prevent any conventional buyer from obtaining a loan. 

We have brought these issues up to ShellPoint multiple times. Each time they ignore the factual evidence in this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/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 01-01-2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Settlement process and costs

Complaint: In XXXX of 2007 we purchased our house and after further review our house and garage has XXXX layers of shingles on them. Per XXXX NY, there 's only suppose to be XXXX layers of shingles at any time making the home inspection in violation of XXXX code. Our garage and house are in need of new roofs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.

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 06-02-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I had a vehicle financed through  Santander Consumer USA  from  XXXX    XXXX  . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in  XXXX  of   XXXX  . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in    XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid  XXXX  to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I am writing this complaint because I have exhausted all my viable options to resolve this issue with Chase and XXXX. I am currently in a bitter dispute with Chase Bank and XXXX. This whole situation started in early XXXX XXXX when I discovered that a company by the name XXXX XXXX XXXX XXXX was charging a monthly subscription fee to my debit card. I placed a call to my Bank ( Chase ) late XXXX XXXX to alert them of the suspicious charges. Chase immediately reversed the charges and refunded me my money. I thought the issue was resolved until I noticed that on XXXX/XXXX/XXXX, Chase had put the charges back on my account. When I contacted Chase about why they put the charges back on my account they said that after investigating the matter they found to the charges to be legitimate. How Chase could reach this conclusion after their investigation I will never know. After being disappointed by Chase I decided to contact XXXX directly to reason with them but they did n't seem to care if the charges were fraudulent or not. Even after explaining to them that I had never heard of them let alone purchase anything from them, they still refused to refund the money because of their refund policy which I would understand if the purchases were in fact made by me. I never once received an email confirmation from XXXX for the allege orders. Had I received an email or letter from XXXX informing me that a purchase had been made then I would have contacted them immediate to let them know that this purchase was not made by me. In my opinion that it was negligent on their part. To make matters even worst, I never even received the package they claimed I ordered but said it was delivers I was finally emailed an order confirmation on XXXX/XXXX/XXXX for an order they claim was made in my name on XXXX/XXXX/XXXX XXXX. I have attached a screenshot of the invoice to show you that my address was misspelled ( It 's " XXXX XXXX XXXX '' NOT " XXXX XXXX '' ). I have search my email up and down and I do not have XXXX email from XXXX which is very suspicious because anytime a person purchases anything online more emails are certain to follow informing a customer on more products they can buy. I wanted to resolve this situation amicably but Chase and XXXX are refusing to refund my money. I feel like both companies ( Chase and XXXX ) teamed up against me in the investigation which I was not a part of and decided that I was the XXXX that should take the loss. These charges are fraudulent and there is nothing I can do to convince both parties. I loss a total of {$160.00}. I want XXXX XXXX XXXX XXXX to prove that I made the purchases, all they could provide me with was an IP Address they claim they order came from. I am only XXXX person so as much as I would like to hire a lawyer to get a court order so that XXXX could look into the IP address, I ca n't because I do not have the resources to launch a full investigation into the IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Federal student loan debt) with ConServe (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CEASE AND DESIST COLLECTING ON XXXX XXXX AND XXXX XXXX XXXX ACCOUNTS DEALING WITH THE ORINAL CREDITOR. 
ALSO, CEASE COMMUNICATIONS YOU ARE VIOLATING THE DODD-GRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011

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 05-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Last XXXX 2014 Nationstar fraudulently started foreclosing on my home in and returned my payment that has since been resolved with a modification. Now I was going to open a new account with a local credit union and my score has dropped XXXX point due to Nationstar say I have XXXX-XXXX day lates from XXXX and XXXX of 2014 which I was not late they falsely started foreclosure. This will now cost me more in interest on a car loan, insurance and credit. Nationstar should have fixed this problem when they figured out they had made the mistake. There are no XXXX or XXXX day late payment on my repot so how did I get XXXX non sequential XXXX day late payments?

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company continues to call from the XXXX of the month asking me if I have made my mortgage payment. It is technically not late until the XXXX of the month but they start calling on the XXXX of the month until I either answer the phone and state it 's on automatic dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 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: Information belongs to someone else

Complaint: I have contacted the company and the bureau on several attempts. The accounts are reporting inaccurate on my credit file. I have no knowledge of these accounts XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
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: I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is trying to scam me out of {$480.00}. On XXXX XXXX, 2014 I made a payment of {$330.00} to XXXX County District Court as a part of settlement reached with presiding judge for a PARKING ticket. Now, TWO years later this company " Transworld Systems Inc. '' somehow got hold of my case number and is trying to scam me out of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website ( www.equifaxsecurity2017.com ). They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation