milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Trans Union seems to be under the impression it is okay to place remarks on every account ever disputed on a credit report no matter when or how long ago, and leave the comment on each account even after an investigation is over ; even if the investigation resulted in changes in the consumers favor ; which is entirely unnecessary and should be against the law. After multiple attempts to have these remarks removed from 3 separate accounts with Trans Union, they continue to list the accounts as " ACCT INFO DISPUTED BY CONSUMR '' and " DISP INVG COMP-RPT BY GRNTR '' I have called to have these remarks removed and submitted 3 separate requests via their electronic dispute wizard to please " remove the remarks on these accounts, they are no longer in dispute '' The results to their " investigation '' for each account was that the DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. Which basically means nothing because ultimately the remarks are still listed on each account. This problem only exists with Trans Union and each credit reporting agency has different methods of resolving this type of issue and Trans Union seems to not follow any type of standard of expedited process to resolve this small and simple issue related to credit accounts.

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 04-06-2018 about Debt collection (I do not know) with U.S. BANCORP (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.

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 10-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXXTo Whom It May ConcernREF : Borrower requested cancellation of PMI and refund amount of excess PMI paid alreadyThis is in regard to the communication I have been having with NationStar Mortgage in regard to my PMI Cancellation requestBased on my PMI Disclosure statement which was provided to me when we ( my wife and I ) signed up on the closing of our house and obtained mortgage XX/XX/XXXX, it clearly states that, irrespective of the outstanding loan balance, my PMI should be immediately removed XX/XX/XXXX. 

The date for my principal balance of the loan to reach 80 % has already passed by, and I sincerely requested them to cancel the PMI payment immediately from the total amount of my monthly payments. 

In fact, as further stated in the document, the PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for my loan and irrespective of the outstanding balance of my loan on that date. This date is XX/XX/XXXX. 

The mortgage company told me to follow up with them after making the XX/XX/XXXX instalment, and I did contact them again in this matter. 
They are now responding that I still need to continue and pay PMI till 70 % of the original value of property. 
This is not right, since the PMI disclosure already has 78 % XX/XX/XXXX for PMI to be removed. 

Please look into my case and kindly take necessary action accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with Lending Solutions Mortgage/ LSI Mortgage (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Payday loan () with ACE CASH EXPRESS, INC. (MN).
Issue: Charged fees or interest I didn't expect

Complaint: hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Payday loan debt) with Tribal Lending Enterprise, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: LOST MY JOB, ALERTED THEM I WOULD MAKE PAYEMNTS AS SOON AS I FOUND WORK, THEY ARE UNWILLING TO LISTEN/BELIEVE ME. PHONE CALLS ARE NON STOP.

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 12-09-2016 about Debt collection (Credit card) with Security Credit Services, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There was an account opened under my name through a company called XXXX I asked for the opportunity to dispute this account some time ago and they said they would take it under advisement and within sixty days the account was sold to a debt collector. I sent the new owner of this account which is now Security Credit Services a letter asking them to verify the debt on XX/XX/2016 and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. reported that their systems were hit with a cyberattack and that the attack may have affected nearly 143 million people. Due to this, my information may have been compromised. I am afraid that my information can be used to either open up fake accounts under my name or identity theft. In light of this information, I have set a fraud alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Best Buy Card has not provided enough information about a debt I owe and says it will " charge off '' the account. I already closed this account with no other issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This co claims to be a agency that collects past due traffic tickets. I have a ticket that is not paid, however on the mailings they send me they only have an amount. they do not give a citation # or anything pertaining to the ticket. the internet list numerous of people they constantly call and threatened them. they call my number every day. 
I want to pay the ticket, but not to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.

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 10/14/2016 about Debt collection (Medical) with Harvard Collections, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. 

The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. 

Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I was informed by my bank XXXX XXXX, XXXX that my business checking account was being closed, the letter states I will receive my funds via a cashier 's check, I have yet to receive a cashier 's check. this is the letter I sent to my bank in an effort to resolve and retrieve my funds from my closed account. 

Dear XXXX Department, This letter is in reference to my business account ( account # ) which has been unduly closed due to fraudulent activity on my daughter checking account. I have been a account holder with Bank America since XXXX, over the years with Bank America Ive experienced many of your business tools and several applications up to maintaining a merchant account, and Ive never had any problems with any of my bank accounts. 

In XXXX I encouraged my college bound daughter to open a bank account with Bank America as part of a generational step in her financial future, never did I think it would result in fraudulent activity on her account resulting in the interruption of my business account. This interruption, the freezing of my account funds is creating a major problem for my business, I can not pay my bills, or make any purchases. 

It is my declaration that I, my name have no knowledge of how the fraudulent activity occurred on my daughters account, nor do I have any association with the fraudulent activity on my daughters account, and I am completely unaware how this fraudulent activity happen. And may I add these accounts were not link, I was only added to my daughters account in case of emergency. 

In closing I wish to remain and maintain my business account with Bank America, Ive been very satisfied as a customer at Bank America, so I kindly request that you unfreeze my funds so I can proceed with my business financial matters. 


Regards, My Name My phone number,

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 02-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 05/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My lender is have not shown the ability to be sensitive to my financial hardship. I shown I am willing to pay, however, the have constantly gone up on my payments to now XXXX a month I am unemployed and can not simply afford that much. I regret ever taking their terms and I want future students to know rates and terms of each loan they are borrowing, I would strongly suggest do not take private loans out for education. Please I am in dire need of help. I recieved the Lon at XXXX college in XXXX, ca.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Medical debt) with S&S Physician Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX  does not have a contract with me for any services, This company has violat ed HIPAA by obtaining my medical information and has not sent any documents used to verify t his account to me. I have disputed this account and i have no knowledge of this account or any account with  XXXX   XXXX . I have never conducted business with  XXXX   XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, Equifax and XXXX are NOT reporting or do NOT have accurate and current data on my VA Home Loan with XXXX and it has caused a XXXX-XXXX point drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit reports a couple of times last year. I found out that in XXXX XXXX, Commonwealth Financial started reporting a debt of {$610.00} ( medical ) to the credit bureaus. This is not a valid debt, as I have attempted to express to them on numerous occasions. I have disputed the account, multiple times, on each of the bureaus, and each time Commonwealth verified the account as accurate. I do n't understand how they can do this. They will not send me verification of the debt, and I can only assume it 's because they are n't licensed to collect in Florida and it shows their collection license as " revoked '' ( I did a little XXXX search ). So what gives? Is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: I have a Wells Fargo mortgage. I sold my property and escrow closed on XXXX XXXX, XXXX. I was using the Wells Fargo XXXX system to pay the monthly mortgage. Wells Fargo sent an XXXX to my account on XXXX XXXX, XXXX which was due on XXXX. 

Since the system is XXXX, I am expecting that the system works properly and that, when the escrow closed, the XXXX that was sent XXXX would have been marked as either paid or rescinded since the escrow closed XXXX. Instead, Wells Fargo withdrew {$2000.00} from my account on XXXX. 

When I spoke with Wells Fargo, they told me that it 's my responsibility to turn off XXXX  after the close of escrow and that, in fact, if I never turn off the XXXX, Wells Fargo will continue withdrawing {$2000.00} from my account every month. 

That is insane! When you sign up for XXXX, you are relying on the companies and computers to take care of all the details. That 's why you sign up for such a thing. And I certainly would never expect that a company would continue sending invalid bills after the close of escrow and stealing my money. I would n't be surprised if Wells Fargo does this on thousands of accounts across the country. 

I would be very grateful if CFPB would investigate this situation and have Wells Fargo fix their XXXX and mortgage systems. 

Thank you. 

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 04-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit determination

Complaint: My claim # XXXX. My issue with Capital One Bank was not resolved an I would like to take Legal action now. Can you help me again???? please email me when you get a chance. Note-I have all my paperwork and people I spoke with written down ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from American Express. I called on X/XX/2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX {$320.00} they later sent a check back in XX/XX/XXXX and requested a new consolidation wanting {$1600.00} and {$610.00} a month onXX/XX/XXXX and additional for XX/XX/XXXX payment when i was already paying {$320.00} a month the money was going to XXXX XXXX XXXX   company who has changed their name to mr. cooper XXXX XXXX XXXX and XXXX XXXX was responsible for this account my question is how my property reached the foreclosure status when i made my payment promply of {$320.00} each month after the property reached foreclosure my attorney XXXX XXXX charged me and my wife {$2500.00} to handle the foreclosure he advised us to file a temporary bankruptcy and we did later on the mortage company came back with a consolidation fee approved for {$1600.00} to be paid on XX/XX/XXXX and an additional {$610.00} and XX/XX/XXXX. payment due onthe third for {$610.00} how can this be when i was already making payments at {$320.00} a month where did the payments for XX/XX/XXXX and XX/XX/XXXX go this is unfair to me please help me with this situation thank you and God bless

Company response to consumer: Closed with explanation