milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/2015 I submitted a Case through the CFPB Portal to Transunion ( Case number : XXXX ) In order to correct information regarding a student loan that I had fully paid off after not being able to get a resolution via the regular channels. On XXXX/XXXX/2015 Transunion responded to the CFPB appropriately and let me know that they had updated the information in reference to the Attorney Paid In Full letter that I attached in the previous complaint. On XXXX/XXXX/2015 this information reflected on my credit report, and all was good. My Fico Transunion Credit Score Went Up XXXX Points to XXXX, and I felt that this nightmare was finally over. However two weeks later on XXXX/XXXX/2015 I received an alert from MyFico that my score had dropped XXXX points From XXXX to XXXX. I thought that this might have been caused by a reversal of the update that transunion made on XXXX/XXXX/2015, so I obtained a new copy of my credit report, however everything appears to be correct. The only thing that could be different are the remarks/closed status. On the report Transunion lists the account in question as " Closed-Derogatory '' when it should be listed as " Closed-Paid In Full '' as the account is no longer derogatory. In addition they list the payment status as " Collection/Charge Off '' when it should be listed as " Paid '' As this is what is directly reported by the Creditor. I have attached a written letter from the Director Of Student Loans for XXXX XXXX XXXX which states a description of the loan ( XXXX ) and that the loan is is " Paid In Full '' and not " Closed-Deragatory '' as has been reported by by Transunion ( XXXX ). If Transunion Wishes to verify this information, they can contact XXXX XXXX directly at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...

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 09/27/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Threatened to call my job abd tell them i was a criminal abd to have my XXXX check shut off if i did n't pay

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Skrill USA, Inc. (FL).
Issue: Unexpected or other fees

Complaint: A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (OH).
Issue: Managing the loan or lease

Complaint: My car payment is due in the XXXX of each month. It is financed with Coastal Credit LLC. Due to my pay schedules, I generally make my car payment around the XXXX of each month. The phone calls I understand as I am technically late. However they have repeatedly sent me unsecured text messages regarding my delinquency and I have asked them to cease contact attempts with me in this fashion. They have recently messaged me on XXXX regarding the delinquency as well. Unfortunately this was seen by several of course workers as I was not in a private location when this was seen. This happened on XXXX/XXXX/2016. I was contacted by XXXX CoastalCredit. Neither method of contact is considered secure and I feel is completely inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with ERC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Have received a collections letter from ERC collections with the creditor and original creditor listed as XXXX XXXX XXXX. I do not owe XXXX XXXX cable anything nor can their own support staff validate that this debt is legitimate or send any proof/documentation of its validity. This issue has already been reported to the credit bureau and my credit score has been negatively affected. This has caused me significant hardship in getting loans and now recently acquiring new car insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage is currently held by Freedom Mortgage. My wife and I are refinancing our home with XXXX XXXX XXXX XXXX ( XXXX ). Included in the payoff statement from XXXX Mortgage is an 'Accrued Interest ' of {$1100.00}, a 'Bill Fee ' of {$30.00}, and a 'Recording Fee ' of {$86.00}. I asked XXXX why these fees are on my payoff statement as I believe I should only have to pay off the principal of my loan. XXXX is already charging me a {$93.00} Recording Fee. My mortgage was originally financed my Directors Mortgage and my mortgage includes a statement I will pay no repayment fees for paying off the mortgage early. XXXX told me I would have to contact Freedom Mortgage myself for an explanation. 

I was able to deduce the 'Accrued Interest ' is the interest Freedom Mortgage is due up until my refinancing with XXXX takes effect. But I contacted Freedom Mortgage to explain the 'Bill Fee ' and 'Recording Fee '. I spoke with a woman named XXXX, employee number XXXX. It was a heated conversation. XXXX told me everyone pays these fees. I asked XXXX if I need the payoff statement to payoff my loan early with Freedom Mortgage, she said yes. I then asked her if there is anyway to get the statement without paying the {$30.00} fee. She refused to answer. I told her if there is no way to pay off the loan without paying these fees then they are pay off fees and thus not allowed. She refused to agree. I asked her what government agency I could file a complaint with. XXXX told me I could file a complaint with the XXXX. When I pointed out the XXXX is a private organization she said she did n't have to tell me what government agency I could file a complaint with. 

I believe Freedom Mortgage is charging me a payoff penalty and trying to mask it by calling it a 'Bill Fee ' and 'Recording Fee '.

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 03-07-2018 about Debt collection (I do not know) with Millco Management (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX improperly handled my credit score and personal information. It has since been hacked and I am now vulnerable for the rest of my life to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Preferred Collection and Management, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company PREFERRED COLLECTION & MANAGEMENT SERVICES, has continued to reinsert previously removed non-factual debts. At this time, this company has reinserted the same debt multiple times causing ongoing credit detriment. PREFERRED COLLECTION & MANAGEMENT SERVICES should immediately remove this debt and cease and desist from any and all further collections effort in whole or in part. PREFERRED COLLECTION & MANAGEMENT SERVICES is further advised that pursuance of this matter may be subject to litigation and subject to any and all remedies deemed reasonable by local jurisdiction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting a dismissed Bankruptcy that is damaging my credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating they are not reporting. This is already a public record and they do n't report to any credit bureaus. I am being penalized as if bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to inability to follow through due too declining health insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the relief or debt forgiveness

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 07-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (LA).
Issue: Struggling to pay mortgage

Complaint: IN XX/XX/XXXX I RECEIVED A FIRST MORTGAGE FROM XXXX XXXX FOR A NO DOC LOAN TO PURCHASE A CONDOMINIUM IN XXXX FLORIDA. I MADE REGULAR PAYMENTS UNTIL THE REAL ESTATE CRISIS OCCURRED IN XX/XX/XXXX AND THEN BEING IN THE REAL ESTATE BUSINESS MY INCOME FELL TO NOTHING. I COULD NO LONGER MAKE PAYMENTS. AS SOON AS THEY ACCELERATED THE LOAN I APPLIED FOR A MODIFICATION AT THEIR INVITATION. THAT PROCESS TOOK TWO YEARS AND I WAS DENIED. 

THE BANK THEN AGREED TO A SHORT SALE AND WHEN I RECEIVED AN OFFER THE BANK CHANGED THEIR MIND AND REFUSED TO SELL THE CONDO ON A SHORT SALE. THIS TOOK A COUPLE OF YEARS TO PLAY OUT. 

I THEN WENT TO MEDIATION WITH THE BANK AND THEY AGREED TO A DEED IN LIEU OF FORECLOSURE. MY ATTORNEY PREPARED AND SUBMITTED THEIR APPLICATION AND THEN THEY CHANGED THEIR MIND AND DID NOT ALLOW IT. 
I THEN SUED THE BANK FOR PREDATORY LENDING AND RECEIVED A DEFAULT JUDGEMENT BECAUSE THEY DID NOT APPEAR IN COURT. THE JUDGE SET THE FORECLOSURE ACTION ASIDE. 
FIVE YEARS LATER I SUED TO SET THE MORTGAGE ASIDE AFTER THE 5 YEAR STATUTE OF LIMITATIONS EXPIRED WHILE THERE WAS NO FORECLOSURE ACTION IN PLACE BY THE BANK. THE JUDGE RULED IN MY FAVOR AND THE MORTGAGE WAS SET ASIDE AND CANCELLED. 
THE BANK THEN APPEALED TO THE FEDERAL COURT TO HAVE THAT DECISION SET ASIDE. THE FEDERAL COURT JUDGE REVERSED THE STATE COURT RULING. WHILE THAT ACTION WAS PENDING THE SUPREME COURT OF FLORIDA RULED THAT ALL SUCH ACTIONS WERE TO BE PUT ON HOLD UNTIL THEY RULED ON THE 5 YEAR STATUTE OF LIMITATION. TWO YEARS LATER THEY CHANGED THE LAW IN FAVOR OF THE BANKS AND RULED THE 5 YEAR STATUTE DID NOT APPLY BECAUSE THE MORTGAGES WERE STILL ON RECORD THEY COULD FORECLOSE A SECOND TIME. 
IN XX/XX/XXXX EIGHT YEARS AFTER I STOPPED PAYING ON THE MORTGAGE, I REAPPLIED FOR A MODIFICATION WITH THE MORTGAGE SERVICER, SHELLPOINT MORTGAGE SERVICING, AT THEIR INVITATION. I HAVE SUBMITTED EVERY DOCUMENT THEY REQUESTED OVER AND OVER AND AFTER MONTHS GO BY THEY AS FOR THE DOCUMENTS AGAIN BECAUSE THE DATES ARE TOO OLD. THEY HAVE DONE THIS SEVERAL TIMES THIS YEAR. THEY NEVER GO TO LOAN COMMITTEE. 
I HAVE REQUESTED THEY REDUCE THE MORTGAGE BALANCE TO AN AMOUNT THAT I HAVE THE ABILITY TO PAY DUE TO THEIR MAKING THIS NO DOC LOAN TO ME WHEN THERE WAS NO WAY I COULD HAVE QUALIFIED WITH NORMAL DOCUMENTATION. I AM PREPARED TO BEGIN PAYING THE MORTGAGE WHEN AND IF THEY SETTLE WITH ME ON A REDUCED MORTGAGE AMOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have contacted all three credit reporting bureaus numerous times about this issue. I have also filed a complaint with you about this before. As of this date this has NOT been resolved. I have letters from XXXX and Experian both that as of XXXX-2017 they have once again placed a FRAUD ALERT on my credit report. I am also still having problems with XXXXbout this same issue of placing FRAUD ALERTS on my credit report. I have NEVER and I repeat NEVER requested these FRAUD ALERTS be placed on my credit report. I have contacted all three XXXX, Experian and XXXX and constantly requested that they remove these FRAUD ALERTS from my credit report. I have had NUMEROUS conversations with them and been assured they would remove the FRAUD ALERT but THEY ALWAYS place another FRAUD ALERT on my credit file without my requesting that it be done. 

I am about ready to contact an Attorney as well as the Better Business Bureau to file a lawsuit and a complaint against each and everyone of them. 

I want these UNREQUESTED FRAUD ALERTS TO BE PERMANENTLY REMOVED FROM MY CREDIT FILE. 

XXXX 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 08-07-2015 about Debt collection (I do not know) with Gaba Law Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

Gaba has also filed a credit default with the credit agencies which is false. 

As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 10/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have been receiving steady flow of junk mail from Citibank credit card about 0 % and other unsolicited offers. I have called and told them to stop. They stop & the next year again I get this junk mail. This will have to stop or I will be forced to initiate legal action.

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