milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XX/XX/XXXX18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.

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 06-05-2015 about Student loan (Non-federal student loan) with Radius Global Solutions LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a short sale offer for what my property appraises for and on XXXX XXXX, 2015 I was informed by my mortgage lender that instead of taking the offer and/or countering the offer at a reasonable amount they are going to proceed with the foreclosure sale. This will push me into a foreclosure situation. I have done everything that I can and I am desperate for some type of assistance. I feel as if the lender is n't doing what the government says that they should do, which is provide foreclosure alternatives to homeowners like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XX/XX/2015 I worked out a payment plan with XXXX XXXX so I could pay off a delinquent amount owed. When the Rep first told me about their generous payment plan option she told me that they would waive all late fees, interest and annual fees to help me pay off the balance if I agreed to terms that they would directly tap my checking account for a set sum every month for a year. The problem is when I asked how this would affect my credit report she said she did not know. I had to work out something so I took the offer. Now however I have some debt I truly need to pay off including XXXX XXXX and want to refinance my mortgage to tap my home equity to pay it off once and for all. The problem is that I just learned through applying for a refinance that my FICA score is so low due to XXXX continuing to report that I am delinquent. When I spoke to XXXX Customer Service a few weeks ago, they told me that they were aware that any of their payment plan options on my card would, in fact, affect my credit since they do not attempt to adjust for the acknowledging the payment plan I am on. My complaint is that the original Rep did not reveal this to me. If I had known this at the onset, I would have immediately worked to refinance XX/XX/XXXX before my FICA dropped so precariously low. I feel the original Rep was deceptive in not properly investigating internally how her own company would handle my credit reporting. And, they wo n't send me the transcript of the original Reps ' call with me either, which I feel further proves they are hiding behind what was not said and should have been. Now not only am I prevented from getting out of debt and paying XXXX off sooner ( to their own disadvantage I might add! ), but I am financially strapped until this XXXX debt is paid off this fall. I can not wait to do this as I am getting into deeper debt every month as my other credit card bills continue to mount with interest. The ONLY one reporting me delinquent is XXXX -- every other card issuer and bill payer I am on time. This is serious for me. Can you help get them to eliminate the delinquency reporting so I can get my FICA score back on track to get a refinance and pay them and other creditors off?

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I started the process of consolidating all of my student loans in XXXX XXXX - the process was completed at the end of XXXX XXXX. My credit report is showing that my XXXX XXXX  are late 90 days XXXX XXXX. I have question as to how this could be when in XXXX XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. XXXX & Experian come back with account is verified accurately.

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 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC 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 09/24/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had a car loan with consumer portfolio services I got behind on the payments and talked to them about it. They told me that they would work with me and I could defer 1 payment so we did that I thought, they never deferred the payment. I thought it was done. XX/XX/2016 they repossessed my car.I had a lot of personal things in the car. THey would not and still will not tell me where my personal belongings are. I have called email left messages no response.I call get voice mail they call back at a time I specifically tell them I will not be available and leave messages like I wasted their time having them call me. I have a list that was sent to them several times of everything in the car and no response I 'm sure my things are long gone by now but there was personal mail with personal info on it too. I think they should replace my things and if they are gone compensate me for my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Bonneville Billing and Collections (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with SUNRISE CREDIT SERVICES, INC (VA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: I enrolled at XXXX University XXXX under the presumption that I would be eligible for financial aid for the semester I was attending, however because they failed to process my financial aid in time by the time they did, they discovered that I was not eligible for financial aid however I had already enrolled in courses and the semester and had already completed work but they kept assuring me that my financial aid would be applied after I had begun the second 8-week course in the semester. Near the end of the semester they told me they were not able to apply any financial aid to my account and that I would be responsible for paying the {$6000.00} bill and they failed me so I wont even receive the credit for all of the hard work I did all those months. Since I do not have {$6000.00}, they have now reported this to collections and it is on my credit report. I attended online XX/XX/XXXX-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 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Transunion conceals customer service hotline on company website. I had to go to a consumer info sharing site to get the number. I am convinced the number does not appear at all on their own site.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (I do not know) with Capital Accounts, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I noticed my XXXX credit score had dropped. After running my credit report, I found a collection was placed on there for {$180.00} from XX/XX/XXXX. I had seen this XXXX in XX/XX/XXXX, but had prepaid for my procedure. I was never contacted by them about an additional amount due. I have also never been contacted by the collection agency about the collection placed on my credit report. My address has stayed the same since the collection was placed and my phone number has never changed. I do not believe this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX, I reported the accounts below as being opened as a result of identity theft. The accounts were then blocked/removed from the report and the fraudulent address associated with them was also blocked/removed. I recently noticed the accounts and the address has re-appeared and without any notification that it is was going to re-report. These accounts are a result of identity theft and I never opened them. I have tried to resolve with the bureau but with no response at all. They continue to report this information after initially removing/blocking it after receiving the identity theft packet in XXXX, and now re-reporting it in XXXX of XXXX,, and refusing to respond to my dispute regarding these accounts. The bureau is also reporting that I filed for bankruptcy when I have not filed. Then removing it and re-reporting that I filed a day later. 

Chapter XXXX Bankruptcy XXXX XXXX - Account Closed XXXX XXXX - {$18000.00} Due XXXXXXXX XXXX -Account Closed XXXX XXXX XXXX XXXX {$300.00} Due Fraudulent Address : 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 03/29/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is unable to deal with a simple problem by providing the data to me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Professional Finance Company, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.

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 12/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have {$590.00} extra in my escrow account after my taxes have been paid. I have asked for that to be refunded and they refused to refund it. They told me they would do another analysis but so far have not done this. 

Refund of the {$590.00}. 
Re-evaluation of what the escrow payment should be based on this year 's tax bill, because the same thing will likely happen next year, although in a lesser amount. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXXXXXX XXXX account number is XXXX Loan Servicer - Select Portfolio Servicing Inc . 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone - 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 09/25/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (MO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Conventional fixed mortgage) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I was dealing with Royal United Mortgage. A woman by the name of XXXX XXXX leaned on me for about 3 weeks to have an estimate on my house, XXXX assured me that I would be on a fixed 4.25 % interest rate. After I spent {$430.00}. on an estimate ( she also lied about the cost ) ; they upped the interest rate to 5 + %.

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 05/27/2017 about Debt collection (I do not know) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These debts are not mines. They are being falsely reported to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have several problems to report with Ocwen Loan Servicing : I was laid off XX/XX/XXXX. I got in touch with Ocwen and applied for Mortgage assistance. After reviewing my application, Ocwen recommended a Trial modification forbearance plan, whereby my mortgage payments would be reduced to {$600.00}, due on the XXXX of the month, beginning XX/XX/XXXX and ending on XX/XX/XXXX. I made all payments on time as agreed to by Ocwen and myself. This program was recommended and sanctioned by Ocwen, yet they reported these payments as being late to XXXX, XXXX, XXXX, and XXXX credit agencies. Rather than offering a helpful solution, Ocwen has done long term damage to my credit rating. I am still working with credit agencies and Ocwen to resolve this dispute. 

I have not been able to find work in my field so I reapplied for a Loan Modification through Ocwen on XX/XX/XXXX. I meet the following eligibility requirements for HAMP loan modification : XXXX lien -Loan originated before XX/XX/XXXX -Primary residence -Property is XXXX unit and principal is below {$720000.00} -No previous HAMP modification -Payments exceed XXXX % of monthly income -The only criterion I do not meet is that the loan is not delinquent, however, considering my situation loan default is reasonably foreseeable. 

Ocwen called me on Friday, XX/XX/XXXX to tell me my application for assistance was denied. When I asked why I was denied, the caller said, " because the account is n't delinquent. '' I asked for more information or alternatives and was offered none. I have not received detailed information on why my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: IM EXPERIENCING THE FOLLOWING ISSUES ; ; ; - LACK OF ONLINE & MOBILE SERVICE ACCESS - LACK OF STATEMENTS - REJECTED CHECKS ( WITH FUNDS IN ACCOUNT ) -LACK DEBIT CARD - LACK OF CREDIT CARD - LACK OF CORRESPONDANCE ( APO/ BARCODE LOCATION ) - LACK OF RESPECT & HONORABILITY DURING TRANSACTIONS OF COMMUNICATIONS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation