milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would post within a day o r two, bu t then sometimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I was notified from my credit reporting company, tha t one of my payments had been listed as default of 30 or more days. I find it extrem ely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I was divorced from my ex-wife. My ex-wife and I had a combined income of about $ 125k.  After the divorce, I was left with the home and had to remove my wife 's name from the mortgage in order to keep it. The divorce left me with assuming all of the debts that were once shared with my ex-wife and damaged my credit worthiness. I applied to Chase Mortgage for a modification. After supplying my financial information in XX/XX/XXXX, Chase Mortgage agreed to a modification only lowering my mortgage by {$20.00}. Although, my household income had decreased by 50 %, I attempted to continue to pay the newly reduced loan through XX/XX/XXXX. I was supposed to sell the home between XX/XX/XXXX-XX/XX/XXXX, but I had been laid off in XX/XX/XXXX so I did not put the home on the market until the Winter of XX/XX/XXXX. I could not apply for another modification for a year, so I did my best to continue to keep my home. To no avail, I wound up filing Chapter XXXX Bankruptcy prior to the foreclosure scheduled in XX/XX/XXXX and surrendering my property. Earlier in XX/XX/XXXX, I received a check for a class action lawsuit that Chase had been sued for discrimination in giving bad loans to minorities. I destroyed the check because I felt that I had been victimized as well, and that Chase had given me the botched modification so that I would eventually lose my home in a great neighborhood with an excellent market. Now, we are going through a short sale for an amount that will cover the loan at about $ 170k. Chase was right in projecting that I would lose my home with the {$20.00} decreased modification, and that the home would sell quickly on the local market.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Other mortgage) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Sent XXXX paperwork in multiple times. When they finally acknowledged receiving the paperwork they started the process. Half way through they closed my file in error which started the foreclosure process. Rarely received responses to my calls/emails. Values began to go up, so decided to sell property and get rid of the stress. Took 7 weeks to get a payoff amount. Based the sale of the property on that amount. Property sold. A week later mod was approved adding XXXX and 10 years to balance. Proceeded with sale. 2 mos after original payoff amount was given and property was in escrow they increased the payoff by XXXX. The mod would have only hurt me more, and the increase in payoff ended up hurting me anyway. I walked away with nothing and now have a huge capital gain bill to pay which I would have paid with any proceeds I would have had. The mortgage was discharged in Chapter XXXX but the tax bill will not be. Job loss and medical issues created this situation. I thought selling and paying off the bank would be the right thing to do and would be better than a foreclosure. This bank knows how to play the game and the modification process and offer was really a joke being played on me!

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 10/19/2015 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: They said they updating their system XXXX been calling for a week about my account and to get a new card because I lost my old one I keep calling Rushcard and the phone just keep hanging up and my benefits come on that card in about week please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a credit account beginning in XX/XX/2015 with XXXX/SYNCB and when I became XXXX XXXX military, i had no way to pay my debt on that account. During that period, my account became past due and eventually was closed by the creditor.

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 04/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX, I found out about the Public Service Loan Forgiveness ( PSLF ) program and transferred my direct student loan back to the DOE from XXXX to participate in the program. I was in IDR repayment with the IBR ( income-based repayment ) plan and making payments regularly with direct debit. I am set to reach my 120-payments ( 10 years ) in XX/XX/XXXX. In XX/XX/XXXX, I married which increased my payments. I had topped out in my payments under the IBR due to the increase in my joint income following marriage and was paying {$530.00} a month. I was set to have less than {$1500.00} to forgive at the end of my PSLF repayment period. 

I called FedLoan, my DOE loan servicer, on a matter related to my annual employment certification form and was " advised '' by the FedLoan representative to switch from the IBR plan to the ICR ( income contingent repayment ) plan as I would save {$140.00} a month due to my being married and filing jointly and, thus, would have more to forgive at the end of 120-payments. I was skeptical after my past experience with XXXX and other loan servicers. After discussion with my spouse, I decided to go through the extensive process to switch my repayment plan from IBR to ICR so I would have a bit more balance to forgive. When I received my paperwork from FedLoan, my payments had increased {$160.00} a month instead of decreasing {$140.00} per month -- the direct opposite of what FedLoan had promised. Now it is likely I will have no balance to forgive. 

When I called to complain, I was told there was nothing to be done and a supervisor I spoke to all but admitted I was purposefully mislead so I would have nothing to discharged under the PSLF program. I expected such deception from XXXX, who failed to inform me that there even was such a program for 3-years until I heard about it in a new article, but it is demoralizing and infuriating that DOE would allow and perhaps encourage FedLoan to mistreat borrowers who have sacrificed to work in public service so egregiously.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX  - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXXs have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi administrators, I addressed the financial institutions of Bank of America. Regards were making an attempt to establish credit. I applied for a XXXX Credit Card. Furthermore, now several attempts have been initiated. Please would you be given the time to investigate one more final time. I surely appreciate it. 
Thanks, 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 04-05-2017 about Debt collection (I do not know) with Co-Operative Adjustment Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep reporting collection on my credit that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
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: XX/XX/XXXX, I disputed a incorrect charge on my UNIVERSAL/CITI credit card with ASAP rental. Unvl/Citi opened an investigation, in which they did refunded {$250.00} during the course of this investigation to my credit card. ASAP disputed my dispute and Unvl/Citi placed this amount back on my card resulting in my card at that point being over the credit limit and reported it to the credit bureaus, XX/XX/XXXX. At which point Unvl/ Citi alerted me to provide additional proof of my dispute after said amount was reported to the credit bureaus. I immediately provided CITI with legitimate proof that ASAP rental was indeed paid by XXXX and their claim was invalid. CITI again placed the {$250.00} back in my account and a manager told me they would have their internal department which handles credit reporting correct the error of the Over the credit limit reported. This was never done. They were contacted twice. XX/XX/XXXX I received a email from Unvl/ City regarding ASAP dispute still in investigation.
I was told XX/XX/XXXX this matter was closed. This matter has been in dispute since XX/XX/XXXX. I spoke with a representative that told me that they do not have a end date for  investigations and could not give me one and this matter was still open. I was also told that no request was made on my behalf to the credit bureaus to remove the negative reporting which lowered my credit scores on all 3 bureaus. XXXX XXXX points, XXXX  XXXX points and XXXX XXXX points XX/XX/XXXX. I was in addition told that if I wanted anything corrected on my credit report I had to send a additional Letter making the request to have corrected and that the supervisor who told me they would take care of it several months ago did not. This error has largely been to my detriment in any loans I try to apply for and credit card approvals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: We sent the email below to Stonegate XXXX/XXXX/15, followed up XXXX/XXXX/15 and never received a response from them. 

If you require any email correspondence proving any of our claims, we are happy to provide them. 


Hello, My wife and I reached out to Stonegate about refinancing our loan around mid XXXX ( the first email we have is from XXXX/XXXX/15 ). We agreed to terms and were told on or before XXXX/XXXX/15 that we would be closing mid XXXX. To be more specific, we were told XXXX/XXXX/15 that " Your appraisal just came in and your file has been forwarded to underwriting. '' Each and every time anything was requested of us, we responded with what was required immediately. After following up a number of times, being shifted around to different representatives, having additional documents requested of us, etc, we were told XXXX/XXXX/15 that " We got extremely busy over the last 5 months which has caused tremendous delays. '' Following that, we had to get another appraisal since it had been so long, send in additional documents, and we finally closed XXXX/XXXX/15. Nearly five months after we were told it would take place. 

During that time, we paid PMI on a loan that we would n't have if it had closed when we were told it would and also paid interest at a rate XXXX of a point higher than we should have been. 

After repeated attempts by Stonegate to renege on the terms we agreed to because it took them so long that the " market had moved '', we did, in fact, receive the loan at those terms. In addition, we were refunded the amount we paid for PMI as a result of Stonegate 's delays. However, we also need to be refunded for the additional interest that we should not have paid during that time period, as the delays were admittedly Stonegate 's fault. 

We will be awaiting your response. 

Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with NAM National Arbitration and Mediation (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: An individual claiming to be " XXXX XXXX '' called my home voicemail saying he was an " independent process server. '' He claimed that there is a case against a person who is not me ( XXXX XXXX ) and he was calling to serve papers. He had a whole script about how he would show up at the home of XXXX XXXX and then go to her work to serve the papers. He left a case number. I am a paralegal, so I looked up to see if there was a debt collection case against XXXX XXXX in XXXX XXXX XXXX, XXXX. There is n't. There also is no process server in XXXX named " XXXX XXXX. '' I contacted this company at the phone number they left ( XXXX ). I asked the name of the company that called and a rude individual told me that it was called " ADR '' in XXXX, XXXX, but would not further identify himself or his employer. I told him about the voicemail, that I was not XXXX XXXX and did not know XXXX XXXX. I also told him that " XXXX XXXX '' was not a process server in XXXX and that there is no case against XXXX XXXX in XXXX XXXX County, XXXX. He told me that I must know everything and hung up on me. 

This company is calling people claiming to be process servers in XXXX and they clearly are not.

Company response to consumer: Untimely response
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These were not authorized

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