milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a fraudulent account or someone else account appearing on my credit file I had this account investigated with Trans Union XXXX 2014 and it was removed from my credit report. Recently I check my credit reports threw XXXX XXXX and this account was reappeared once again. LONG STORY!!!!! Reinvestigated this information and it 's still showing up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (CA).
Issue: Closing on a mortgage

Complaint: Some how around 2011 my mortgage was bought by SETERUS INC and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Trans union is sued a letter stating they would not remove the account

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted trans union concerned about a inquiry on  XXXX / XXXX /  XXXX  , I was told to contact creditor. I contacted creditor who after a  1hr  call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 12-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with my servicer SPS. I hired an attorney to assist me with the process. On XXXX XXXX, 2015 I was denied for a loan modification. However, the lender missed part of my income in the review. My denial letter offered me 30 days to appeal the decision. My attorney submitted an appeal in writing to SPS on XXXX XXXX, 2015. I have attached the email confirmation showing my attorney sent the appeal and all corresponding documentation on XXXX XXXX, 2015 at XXXX. I have also attached my attorney 's internal notes where they called and confirmed my appeal was received and under review on XXXX XXXX, 2015 at XXXX. SPS issued me a letter on XXXX XXXX, 2015 ( See Attached ) - letter dated XXXX XXXX, 2015 - stating that my appeal was denied due to the appeal was not received within the 30 days after the denial. My attorney contacted SPS and SPS states that they are refusing to review the appeal because they did not receive the appeal in the 30 day period after the denial. My attorney advised them we have confirmation the appeal was in fact received by them on XXXX XXXX, 2015 at XXXX. SPS states their computer system takes up to three days for it to show up on their side so that was after the 30 days was up and therefore they are not willing to review the appeal. My attorney advised them that simply because their IT department decides to hold up all electronic correspondence for three days does n't mean they can use that as an excuse to evade review of a validly submitted appeal. SPS is unwilling to consider my appeal. My attorney states they are in violation of Respa Reg X ( 1024.41 ) and are in fact evading review. Please enforce any penalties against SPS for violating this Respa law. This is not only unethical they would hold my application for appeal past the appeal date, but it appears to also be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XX/XX/2015. This is a flagrant violation of the FDCPA

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Farrell Holdings, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We believe that Ocwen Loan Servicing used " unfair and deceptive acts '' while servicing our loan. That Ocwen did not have " reasonable '' policies and procedures in place.That Ocwen did not reply to us in a timely matter, if at all, when we sent them concerns or information on our account. That Ocwen charged us for an escrow account that we did not need. That Ocwen never provided us with an escrow account analysis or an escrow account statement. That Ocwen started a foreclosure process against us without proper procedure. That Ocwen imposed improper fees against us. That Ocwen 's bookeeping is very confusing, if not questionable. That Ocwen, with all their negative reports on our loan, have destroyed our credit. 
We are including a timeline of events for our loan, some comments pertaining to our loan, and exhibits to verify our claims. These items are on the attachment connected to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I could no longer afford the {$4800.00} mortgage payments offered on my loan modification and I requested to short sale the home since I owe about {$990000.00} and it 's worth {$650000.00}. I wanted to move quickly and avoid foreclosure. The servicer, Nationstar, requested that my Realtor use XXXX auction to sell the property. My realtor acquiesced but Nationstar has instructed the auction company to see the home for {$860000.00} as the minimum opening bid. It received no bids at the first auction and now they set it up to go through a second round of bidding, at the exact same price. Needless to say that it is an exercise in futility. 

An exact replica and directly across the street sold for {$860000.00} and was completely remodeled. This home needs well over {$100000.00} in upgrades as well as a remediation work due to a fire and mold damage. There is also a broker water line that needs repair but it runs through XXXX feet of concrete which is a huge job. 

We have received offers and they range between {$580000.00} - {$640000.00} all from investors because it 's not for a first time owner. 

I just want to sell the home but I was told not to accept an offer and make these buyers who submitted offers go through the auction. 

This is a waste of time and my Realtor could 've already sold this home. The traditional short sale makes the listing realtor accept the highest and best offer and send it to the servicers for an approval. This auction is a complete waste of time and does not inform the consumer of the major issues with the home. They failed to put in the remediation work and major rehab work that is needed. They 're offering it as it were in fantastic shape, which puts me, the seller, in major liability for not disclosing the condition. 

My realtor has the correct disclosure information on the XXXX XXXX XXXX but the auction site makes no reference to actual condition. It is misleading and false. 

I want to be allowed to sell it as a regular short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax does not employ Americans and forces me to give my personal info to people in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Bank account or service (Checking account) with First Data Corporation (NC).
Issue: Deposits and withdrawals

Complaint: I believe there is more corruption going on within XXXX, whom is now or always been tech support for XXXX XXXX XXXX XXXX XXXX XXXX Income Commissions. I previously filed about this when I used XXXX XXXX XXXX & XXXX XXXX XXXX.Now XXXX XXXX XXXX wont transfer my prospects still so can receive my commissions, also they are allowing XXXX to constantly withdraw monies from my account ( They owe me {$15.00} ) while charging an extra {$2.00} ( XXXX trasactions equaling {$4.00}, plus they have allowed forclosure.net to withdraw monies equaling {$79.00}. With XXXX XXXX, I reported this before to stop it & nothing has been done to prevent them from taking monies from my account! I contacted The Money Network/ First Data about this earlier this morning for investigation & received a call back from their fraud department & they ask for XXXX #, which I do n't give when people call me! I was told that these matters wo n't be investigated because the gentleman & his supervisor stated they needed my XXXX #, which I had already typed in the last XXXX # 's of befor ethe call was transferred. the Money Network tried to tell me they need to close my card & issue another for {$6.00}, which I refused! Please investigate XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX? Thank you all! 
From : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: ATM Machine at XXXX at XXXX XXXX XXXX, XXXX, California XXXX USA is set up so that the sun will not allow you to see the screen. XXXX has put in many requests themselves to Citibank to move the machine or do something to make it safe and workable. According to the store, Citibank does not care and does not come out to deal with the problem. It creates many inproper clicks on the ATM because people can not read what they are doing. If trying to hold magazines or something around it to be able to see it causes customers purses, papers, etc. to all fall to the ground and makes them easy targets for theft. Even with doing that, it is very hard to try to see what you are pushing unless you have all of the screens memorized. Citibank has made it impossible to locate on the internet just who to contact to correct this problem. I am a Citibank customer with quite a few accounts and I use the XXXX ATM machines all the time but the one at this particular location is completely unsafe and Citibank needs to IMMEDIATELY to something before someone gets injured or is robbed or looses their money all because they thought they were pushing another button while trying to hold on to something to help them see and hold their personal belongings at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I pulled my credit report today to see if my score had improved based on recent payoffs ( as I am in the process of buying a home ) and come to find out my score had declined significantly. As I clicked through to understand what had caused my score to drop, I saw for the very XXXX time in my life, an outstanding balance of {$49.00}, reported by Trinity Asset Management llc. There is no information about where this " balance '' originated from what so ever. I have never once received any mail, calls, or emails regarding this " debt '' or " overdue '' account. I believe this to be a fraudulent claim and would like to request an investigation to validate that this is indeed not a legitimate claim. If at all possible, please handle this claim with a high sense of urgency, as I will not qualify for my home loan if this does not get addressed and removed form my CR ASAP. I appreciate your help and consideration. If you need to reach me for any reason, please call me at XXXX at any time. Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Billing disputes

Complaint: Pay Pal Credit, formerly Pay Me Later, is somewhat of a scam which uses unfair lending practices and excessive rates and penalties on EBay customers. 
I am an longtime EBay vendor/buyer who had a Pay Me Later account, which was supposed to be closed. Their virtual option button comes available on most EBay purchases, and was somehow activated on several purchases earlier this year, of which I was unaware. The charges were hidden until I began to receive late notices, and finally was able to track them down. After numerous calls to EBay and Pay Pal, I determined the situation and sent them the payment. They continue to add late payments upon late payments for the past 4 months, in spite of my attempts at reconciliation. 
All of the present charges of around {$200.00} are stemming from an original late charge of around {$30.00}, which is added monthly, regardless. 
This is unethical, in view of the fact I reimbursed them the original purchase amount of around {$130.00}, months ago. I refuse to pay late charges of a greater amount than the purchase price, which have accrued in only 4 months, and continue. 
This is extortion and has to be against US fair lending laws. 
I demant they cease and desist, and have put that in writing and phone calls/emails. 
There are so many complaints about PayPal it is ridiculous. 
Who protects the XXXX XXXX from thieves like this organization?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On the XX/XX/XXXX, an American Express account manager contacted me around XXXX that night asking me to make a payment on my account! I had another week and a half before my payment was due ( the XX/XX/XXXX ). I had never been late or missed a payment before! In fact, I have been with American Express for 30 years! Meanwhile, he began telling me that based on their calculations I was not utilizing my credit enough and in order to continue to maintain my XXXX XXXX Card I need to make an early payment so that he can keep my account in good standing. At that point, I began explaining to him that American Express is not accepted by many merchants, which makes it difficult to use and that the annually fees are outrageous especially since I cant hardly utilize the card! Also, I told him that I dont give my banking informaton over the phone! After speaking with him a while he told me that he was reviewing my account and that in order to in good standing I needed to make a payment ahead of time so that it looks good on my account. At that point I was so confused, we continued to go back and forth! I told him that since I was not familiar with their policy I was gon na contact XXXX XXXX myself and make a payment! In good faith, i immediately contacted American Express and made two payments on both of my accounts! Afterwards, American Express decreased my credit limit! In my opinion, American Express is exhibiting unfair credit practices!

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: I had at one time four different retail credit cards with Synchrony Bank after Synchrony Bank purchased those assets from GE Capital. Since then, Synchrony Bank has closed out one of my credit cards in which I never was late, and they lowered my credit limit on three of my other credit cards despite me not having any late payments or delinquency. I think their business practices are unfair and unreasonable. I have read many online forums where these business practices have been commonplace with them. I want to file a formal complaint against Synchrony Bank for unfair credit practices and credit reporting.

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 06-01-2016 about Payday loan () with Big Picture Loans, LLC (NC).
Issue: Applied for loan/did not receive money

Complaint: I applied to a pre-approved loan. Once applied, I was approved and was told to sign ( online ) the agreement form in order to process any further. I read the loan agreement and decided not to pursue any further due to the interest rates they intend to charge. For a loan of {$250.00} they want to charge an interest rate of 865.8168 %!!! The total amount to pay back according to the agreement would be in the amount of {$1100.00}. Now again, this is for only a {$250.00} loan. 
Now they are harassing me through multiple phone calls a day and emails. I do not want to do business with them if they are trying to use me like this and I wish them to answer to their reasoning of charging such an insane interest to people who desperately need the money in order to make ends meet.

Company response to consumer: Closed with explanation