milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: On XXXX XXXX, XXXX I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same.

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent Transunion and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score.

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both Transunion and XXXX were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, 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 04/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I started a modification with my bank in XX/XX/XXXX. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different " relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creates a further financial hardship. I have paid the amount requested on my loan statement but they the bank and its representatives continue with delays as a form to discourage me. The continue to say as excuses " we have many files, it takes time '', '' the processing team has your file the underwriter will reject your file, " the gatekeepers will recieve your file soon. I did not pay my XX/XX/XXXX mortgage I do n't know what to do. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: I applied online for the Citi Prestige credit card on XX/XX/2016 using a link on the Citi website that offered XXXX Thank You Points for spending {$3000.00} in the first 3 months after account opening. I was approved on XX/XX/2016. I was incentivized to apply because of the generous bonus offer and would not have applied otherwise. I spoke with a Citi Representative on XX/XX/2016 who confirmed my approval and the terms of the XXXX bonus offer. I have since satisfied the offer requirements, but have been awarded only XXXX Thank You Points. Citi now denies that there was ever a XXXX Thank You Points offer available on XX/XX/2016. This is a flat out lie. Although I can not provide evidence of the XXXX offer web page because Citi has since removed it, any XXXX search for such an offer will confirm that what I am asserting is true. In fact, the Citi XXXX point offer was available until XX/XX/2016. Citi engaged in bait and switch. It is unacceptable for Citi to continue to defraud its customers. I demand that I receive the points I am entitled to, the points that I was led by Citi to believe I would receive, and the points that incentivized me to acquire the card and complete the spending requirements to Citi 's benefit. I will not let this go.

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 01/17/2017 about Debt collection (Medical) with Strategic Alliances, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I view my credit report on a month to month bases and since XX/XX/2016 I noticed that First Financial has been reporting to the credit bureaus for an alleged amount owed of {$420.00} without any notification. First Financial did not send any written notification/statements via mail or any communication at all. Since XX/XX/2016 I 've sent numerous of validation disputes on a month to month bases only to be ignored. I understand that this is a violation of the HIPPA law to forward information to third parties without authorization as well as a violation of FCRA for refusing to validate upon request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (MA).
Issue: Managing the loan or lease

Complaint: I have a leased car from KIA motors. In my contract it states I am liable for toll fines. Apparently I had a toll fine in the state of MA. I was unaware of the fine and would have protested it. MA billed the fine directly to KIA. The fine was {$50.00}. KIA paid the fine late and was assessed a late fee of {$40.00} for a total of {$90.00}. KIA paid the fine without my knowledge. KIA then sent me a copy of the fine from the state of MA and a bill for {$50.00}. KIA did n't try and charge me the late fee. I tried to protest but was told by the state of MA I could n't because the fine was already paid. Frustrated I paid the {$50.00}. This month I got my normal lease bill in the mail and it included tax on the fine. I called KIA and questioned the tax. KIA told me the contract allows them to charge me tax. I questioned how they can charge me tax on a state fine when there is no tax on the fine. I want this reversed. I told them I am not paying the tax. This should be illegal. I am concerned this will hit my credit report.

Company response to consumer: Closed
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: Funds were transferred from XXXX account to Capital One 360checking account, The funds have been frozen. Security said banking regulations have been broken so the account will be closed. It was then also stated that XXXX asked them to hold the money until their own investigation is finished. XXXX said there is no such thing even if they had wanted to do so. I am still trying to get the reason for the hold in writing. 
Latest developement : After an hour on hold today, the same implausible story was repeated along with a flat refusal to put anything in writing. Is it really legal for them to hold thousands of dollars indefinitely?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a plan in my name with a family member who did not keep up with their share of the bill, which drawed me to the conclusion of closing out the account which resulted with me being left with this outstanding balanced.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Consumer Loan (Vehicle loan) with Reliable Credit Association, Inc. (WA).
Issue: Taking out the loan or lease

Complaint: Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. 
Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: I tried to withdraw into money into my bank account. coinbase said the transaction was completed however it never got to my acct. Several emails and calls later it has now been over 17 days and I still have nothing. Twice I spoke to support and was promised that I would have my money by the end of the day and still nothing. The coinbase blog is full of complaints about this type of complaint. I am fed up with these people they are just plain stealing.
date of withdraw : XX/XX/17 amount : a mere {$93.00} Three emails with no answer at least 5 calls to support in which I was only able to get through twice. I had to share my desktop with them to prove that I never got the money. I showed them my accts and the transaction logs and was promised that it would be resolved by the end of the day. its going on day 18 now and I have heard nothing from coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a credit card through XXXX XXXX in XXXX 2016. I received a rejection letter originating from XXXX XXXX, Creditor dated XXXX/XXXX/16 stating that the reason for my rejection is as follows : CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 
To quote XXXX XXXX, " Rumors of my death have been greatly exaggerated. '' I 'm not so interested in getting the card, but I would like my information to be accurate. What do I need to do to correct this?

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 05/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX Account # XXXX Equifax account # XXXX From XXXX XXXX, 2015 I have written over five letters to the credit company stating that this company Enhanced recovery is reporting inaccurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is so why are they still reporting this item illegally on my account? I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has posses a 7 seven year old bill on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX  and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was just approved by Navient to consolidate my student loan through them. I have not made a payment as of yet. My first payment is XXXX XXXX. In my initial letter was not clear to me as to what I am originally suppose to pay monthly. I had to call and speak with a representative. They said a payment option letter will be sent to me and was never received. At the same time the representative still did not take the time out to explain the breakdown of my repayment. I was also advised that if i was the monthly payment was not feasible they can go by income to lower my payments. However, I was told by a representative I have to make 3 monthly payments first before they can lower the payments. I received nothing in writing about that option. Today I see online that the Federal government is suing Navient for over repayment and cheating borrowers out of their repayment rights. I do not want fall victim of paying more than what I should be paying and dishonesty in repayment. No one, such as myself, wants to be cheated on with money they give to a lender just to have their hard own money be thrown by the waste side.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with Element Global Services (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with U.S. BANCORP (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automated Accounts, Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date global opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX XXXX Citizen and XXXX who the victim of a mortgage scam by XXXX XXXX XXXX. This company scammed XXXX XXXX veterans including me. I never signed for a Mortgage, Loan and never attended a Closing but I am facing foreclosure by Planet Home Lending a debt collector. The Government is suing XXXX XXXX XXXX and several banks for fraud in XXXX US District Court. I am one of those victims. I have been to Court for Foreclosure fighting these debt collectors to no avail. I have testified I never signed a Mortgage and never did a closing. These Courts just proceed. I need help to stop these debt collectors from losing my home. I am XXXX, XXXX and a veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, 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 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was disputed several times and no response was provided from the collector. I sent certified letters previously and the item was removed from my credit file. Then when the debt was sold to a junk debt purchaser, it was added back to my file. I then disputed it again with the collection agency and they have yet to respond and it has been well over the 30 day limit allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union verbally told me on XXXX/XXXX/16 that I have an outstanding debt to XXXX, who reported to me on the same date that my account is current. Trans Union refused to provide me with written documentation in understandable form, stating that the previously reported ( XXXX, 2016 ) error in their records has been cleared up and should show no balance due. This problem began with XXXX XXXX XXXX sending my statements to a non-existent address and failed to contact me by phone when payments were not received.

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 06/22/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing took over my XXXX XXXX. received my automatic payment from my bank, Regions for 2-yrs or so. then said I was 2-yrs in behind on my mortg. That was the begining of the nightmare. They reported false reports to the credit bureau. XXXX XXXX XXXX investigated my case to clear up my credit for refinancing my loan. XXXX XXXX XXXX caught them in a lie and they hay to contact the credit bureau to remove the false information. The loan balance was a little over XXXX. They jacked it up to over XXXX to prevent me from receiving the VA loan. To get the VA loan I had to pay the jacked up amount or miss out on the refinancing for Veterans. XXXX XXXX XXXX personnel are able to verify the hardship and ripoff tactics that my family had to endure.

Company response to consumer: Closed with explanation