milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . I n  XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the major  Credit  reporting agencies resulting in our  credit score fa lling from the  XXXX    XXXX   to the  XXXX    XXXX  . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm ent (   XXXX   XXXX   XXXX   ) an d were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  Va  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 07/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management , Inc. constantly keeps sending me letters, and contacting me about an account that is not mines. The account was opened fraudulently and does not belong to me. The company keeps harassing me about debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I started the process to Bankruptcy but I never went to court to complete the process. I did not go to court either times because I did n't want to go thru with the process. It appears twice on my credit report and I would like it removed as it is showing public record and it is affecting my credit score.

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 06/27/2015 about Credit card () with DISCOVER BANK (AR).
Issue: Other fee

Complaint: XXXX I use discover card to get XXXX tickets they cancel they won't put credit back on card please help me thank you XXXX Arkansas XXXX that's my address call me

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have an XXXX credit rating and never missed a payment EVER. My TD Bank Credit account had not been used for many months and just around the time I called to close the account, XXXX fraudulent charges were made on the account - a quick XXXX search of the merchant codes show lots of people have had the problem with Magazine Subscriptions. Since I had just closed the account, I never bothered to login or check to the account, assuming it was closed. However, after receiving a COLLECTION Call on the account and interest and late fees on the closed account, I found out about the Fraud. I immediately opened a case - XXXX - however, I found out today XXXX after receiving another COLLECTION call that not only did the interest and fees not stop, they informed the credit bureaus of my situation negatively impacting my credit score. 

The charges were not made with my permission and I 've never had a credit issue in my life - TD Bank should be fixing the incorrect report to the credit bureaus AND issues the credits to balance out the closed account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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: XXXX : m there is no XXXX written off or owed on this account. There was no money written off. 

I have provided you a letter from XXXX and there is no money owed. 

this makes no sense with wrong information on my credit file after I have provided proof from XXXX. 

Filing with the FTC as well to the issues.

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/17 I received a phone call from Receiveable Management Services Corporation ph. # XXXX. They said I owed them {$310.00}. for healthcare premiums. This did n't seem right so I called XXXX and they said I had no unpaid premiums or claims. When I asked where they received my information from they said the XXXX XXXX. I called and they said they do n't give information to debt collectors. They are the center for applications with obamacare. I then called them back and they had my name and address with someone 's social security # affiliated with this fake account. They then hung up and refused to talk to me. They then called me again on XXXX/XXXX/17 and left a message stating a owed a debt.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a XXXX XXXX XXXX that was in repo but I got it back and paid off my car. I 've been having my car since 2006. It 's still on my credit report and shows the repo still. When I paid off my car I was told I could get the repo removed once I paid off the title. It 's still there. I need someone to update all of my credit reports and remove this old loan as it is hard to get anything with this showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month. 

I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: We pay our mortgage every month, and are charged {$14.00} every month. Seems every 5 year our mortgage company changes to someone else, and our mortgage payoff for our house never changes. We 've been here 10 years on a 20 yr loan. XXXX XXXX, and Nation Star, and now someone else is taking over the loan called XXXX XXXX XXXX???? They charge us {$14.00} on their automation to make payment, but if you talk to someone, it 's more. ?????????

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under

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 10/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Credit card () with SUNTRUST BANKS, INC. (VA).
Issue: Billing disputes

Complaint: I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had a mortgage with hsbc Mortgages, I got in contact with your agency XX/XX/XXXX and they responded by cancelling the mortgage and recording it with the XXXX County courthouse, they also informed me they would delete the info from all the credit bureaus, come XX/XX/XXXX XXXX and Equifax have gone back to reporting this mortgage. They also have been reporting the same mortgage with Bank of America-I have made several attempts to have this removed as this was NEVER with XXXX and they have refused. I also spoke to XXXX and they have no knowledge of owning this debt. I also need them to stop reporting my XXXX account as this was part of my bankruptcy and all the accounts that they previously removed as per my creditors request. i dont know if there is a glitch in the Equifax database but as a result of their reporting the previously deleted items my credit score has taken a serious drop. 
I am also asking them to remove the address : XXXX XXXX XXXX XXXX, # XXXX XXXX and XXXX XXXX XXXX, XXXX-I have told them I no longer own the properties. They are refusing to update the information. and they have the mortgage for {$100000.00} for XXXX XXXX listed on my CBR-this was also discharged and previously removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I received two fake emails from XXXX at XXXX pm on XX/XX/2017. The emails contained my personal email address with a large deposit approved notification that was n't mine. I contacted USBANK and spoke to four different employees that were unwilling to log the potential IT problem into supervisory systems. My concern was that they are either USBANK internally is unintentionally sharing customer information or that their customer email addresses were stolen. I asked to have all my accounts frozen and then have the item reported. I was then hung up on by the representative. I did get some action from one representative who asked me to forward the emails to XXXX, but I had to talk to five representatives to get this to occur. I still was unsuccessful in getting my account frozen. I believe there may have been a PII breach and the bank 's response is unacceptable.

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 07-01-2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Delinquent account

Complaint: I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation