milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with XXXX this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, 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 non-monetary relief
Consumer complaint received 09-07-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX

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 04-07-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all 3 bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is Midland Funding and their acct number is XXXX, also is XXXX XXXX XXXX XXXX and their collection company XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: These are Parent Plus loans ( 4 of them ) that started in XX/XX/XXXX with a consolidation loan for {$44000.00} a XX/XX/XXXX for {$13000.00}, a XX/XX/XXXX for {$6600.00} and a XX/XX/XXXX for {$6600.00}. 

The calculation of interest payments via various " forced forberance option ''. ( It is forced because Navient did not give any other option ) In my case my son studied a XXXX XXXX degree in Puerto Rico and attended college all the way to be a XXXX candidate at XXXX, from XX/XX/XXXX till now. Evidence for attendance to schools was always provided to Navient. 

NAVIENT claims that the 4 parent loans have accumulated interest and that the loans are now {$120000.00} + This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The lender Sallie Mae stated that they were unable / unwilling to follow my written payment allocation instructions. I used the CFPB guidelines for my instructions found at http XXXX Dear Sallie Mae , Inc. , I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal of the loan that is accruing the highest interest rate. 
2. If there are multiple loans with the same interest rate, please apply the additional amount to the principal of the loan with the lowest outstanding principal balance. 
3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal of the loan with the next highest interest rate. 
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 companies on my Transunion Report that I did not authorize to do any inquiry on my credit report. One was XXXX XXXX and the Other XXXX XXXX XXXX. These have been on my report since 2015. I have asked Transunion to delete to no avail.

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 09-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Using a debit or ATM card

Complaint: I called Bank of America 's customer service line. Figuring I 'd be on hold for a while, I put my phone on speaker. I got an automatic message telling me to put in the last 4 digits of my card number. I did. An automatic message immediately stated the amount of money in my bank account! This is my private information. Bank of America should not have done this. I did n't ask for this information.

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 04/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 a Social Security ACH transaction was received by Wells Fargo Bank and was reflected in my online account as a {$1000.00} deposit and I had a balance in excess of {$1500.00} in my account. I made a withdrawal of {$1100.00} and later in the day attempted use of my debit card for a {$2.00} purchase. The card was denied. Upon returning home, I checked the Wells Fargo web site and saw a balance of {$470.00}. 
Today, XXXX/XXXX/16, I checked the account again and find a negative balance of {$590.00}. 
I call the branch that I had used for the withdrawal and they denied that there had been any such deposit. My next call was to Social Security where the transaction to the proper XXXX and account was verified. I received a phone number to contact the ACH processing at Wells Fargo. After speaking with XXXX persons I find that my account was blocked on XXXX/XXXX/16. No transactions are allowed in or out. 
I called the Loss Prevention phone number that was provided and was told that the Social Security transaction had been returned. I told them that I was to receive a XXXX transaction for {$3100.00} on XXXX/XXXX/16. I was instructed to call back on that date.

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 monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My first problem is in regards to 2 of my 4 loans, which were originally with XXXX XXXX. They were in forbearance when XXXX took over servicing in XX/XX/XXXX. Two of my loans were listed as having been 60-89 days late, but the other two not. This makes no sense, as I do n't pay these loans individually ; they  are all serviced under one umbrella. I 've been told by many different representatives that this was a clerical error, a problem during the transition, etc. I 've submitted documentation supporting my claim ( letters regarding approval of forbearance, the length of it, etc ), but they have not corrected the  inaccuracy. The second problem applies to all of my loans. I was on maternity leave in XX/XX/XXXX, and had my loans in forbearance while I was not working. During this time period, I received several calls from agents stating that my loans were past due and I needed to make a payment immediately. I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and each time I was assured by the representative I spoke with that nothing negative had been reported to the credit bureaus. Nevertheless, my credit report shows all four loans as having been 90-119 days late. I 've submitted documentation supporting my claim, but XXXX has not corrected the inaccuracies. I 've been consistently making payments for over 10 years now, with the occasional forbearance when in between jobs/illness/family issues. I 've provided documentation that XXXX has made mistakes, and yet they refuse to correct them. I 've tried communicating directly with them, and also submitting disputes with the credit bureaus, but ca n't seem to get anywhere. As a result of their errors, I have had to pay higher interest rates on loans, and in some cases was denied outright. I 'm really hopeful that perhaps the CFBP will be able to get farther on this issue. Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Savings account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.

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 monetary relief
Consumer complaint received 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX/XXXX/XXXX IS DATE GIVEN TO ME - I DID NOT OPEN AN ACCOUNT WITH THEM IN XXXX {$410.00} - I DO NOT OWE DEROGATORY MARK ON MY CREDIT REPORT WITH XXXX AND XXXX, XXXX HAS REMOVED IT. 
I HAVE DISPUTED IT TWICE BECAUSE THEY FAIL TO SHOW ME ANY TYPE OF CONTRACT BETWEEN I AND PORTFOLIO RECOVERY AT ANY POINT. 


XXXX XXXX, XXXX - PUBLIC RECORD A PUBLIC RECORD WAS REMOVED FROM MY CREDIT REPORT AND THEN LATER REPLACED. IT IS UNLAWFUL FOR THEM TO REPLACE ANY DEROGATORY INFORMATION ON MY CREDIT REPORT WITHOUT NOTICE. THIS HAS ALSO BEEN DISPUTED TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Wells Fargo has repeatly taken money out of my account for items that I have not done, such as cash advance fees, and interest charges.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get the inquiry 's off I have been calling and sending letters and still no answer I would like them to be removed because I did n't apply or inquiry about any of them

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Innovis, Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. 

I did not open or authorize this account, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information and delete all XXXX items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how you are affecting my ability to work and make a living. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.

Company response to consumer: Closed with explanation