milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a loss of XXXX income in early 2015. My bank would not work with me to modify the loan in a way that I could understand. I missed a couple of payments throughout the year. I then had some room renters in the house but they were not paying while I had to pay to live somewhere else. I called my lender to notify them that I was putting the home up for sale and asked for a balance. They told be it was $ XXXX. The home is now under contract with me bringing in an estimated {$400.00} to close. The settlement agent ordered the payoff and it is $ XXXX. I do n't have the additional money to bring to closing and am in a position to be in a breach of contract. I contacted the lender to help and they are sending me a modification packet, which is not what I need. I need a speedy short sale process for an FHA loan so that I do not have a breach of contract with the buyer and realtors.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was hired by a company with a US office in New York and the home office in XXXX as a Purchasing Manager. I bought gift cards from local merchants and sent the to XXXX. The company purchased them from me by routing payments to my credit card. 
Now the gift cards are empty and the company is taking the payments back through XXXX in NY. I 'm now out {$42000.00} on one card and {$72000.00} on the second.

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 04/18/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have many promotions on my XXXX XXXX XXXX, they are zero percent for 6 months or 1 year. I keep up with all of my promotions on a spreadsheet. I know exactly when they need to be paid and have never missed one. Every month on my statement I am charged interest even though I make sure I pay more then what is due on my regular purchases. Example, last month my purchases were {$120.00} so I paid that amount and an extra {$20.00} to go towards my promotions that are not due until XX/XX/18. I still got charged interest because they did not apply the payment to my purchases first. Every month they apply my payments to the promotions which aren't due at that time and charge me interest on my purchases. This is XX/XX/XXXX and they are applying my money to my 0 % promotion that isn't due for 3 months. If I did not examine my statements I would never pick up on this. When I call they credit the interest and I am told that I have to call every month to tell them how I would like my payment applied. This does not seem fair. I, as I am sure everyone, would like to have the promotion be a promotion and not pay interest on my purchases. I feel that this is a scam and I can imagine that plenty of people are paying this interest and not calling every month. Please Help!!!! Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC 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: CoreLogic XXXX XXXX XXXX is reporting invalid, and therefore unverifiable information about me to apartment communities and it is impacting my ability to obtain housing. 

I have contacted the two companies they are reporting and each does not have a record of a debt owed to them by me. Furthermore, I have not been evicted from any of the properties on the CoreLogic Report. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), I sent via USPS Certified Mail, two dispute letters demanding to see proof of these debts as required under the FCRA. I also initiated a dispute via phone. CoreLogic has claimed three times that they have verified the debts and they have not removed them from my consumer credit report. CoreLogic has NOT provided me a copy of ANY original documentation required in the FCRA under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA which states you are required to promptly DELETE all information which can not be verified. 

Please assist me is getting CoreLogic to furnish to me the evidence required under the FCRA. I suspect they have no evidence because both companies do not have a debt on record for me. 

The following Public Record items are in question from the consumer credit report CoreLogic has furnished to apartment communities to which I have applied for an apartment : 1. Plaintiff XXXX XXXX Case # XXXX Case # XXXX Case # XXXX XXXX. Plaintiff Original XXXX Case # XXXX CoreLogic Internal Dispute Info : Dispute Type : Phone Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX Dispute Type : Certified Mail Report Date : XXXX/XXXX/XXXX Dispute Entry : XXXX 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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a ton of automobile inquires ranging from XXXX -XXXX and XXXX  mortgage inquiry in 2017 that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, Equifax, and XXXX ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had an XXXX 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 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several inquiries on my credit report that do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 03-09-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (Other debt) with JPMORGAN CHASE & CO. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A  XXXX  Scammer from   XXXX   mailed me a counterfeit check which I deposited into the Chase bank on   XXXX   XXXX   XXXX   in  XXXX , IL. Chase then closed this account and sent it to collections. I sent chase a check to pay this off recently to   XXXX   XXXX   and have offered them other methods to pay off the debt and bring an account with my name on it into the positive and they refuse to. Why is everyone giving me a hard time? Either by scamming me or not accepting my forms of payment? Why dont the scams in our media i.e. ( internet, mail, tv, and e-mail etc.. stop? ) I do n't want to harass Chase bank I want to have legit money because what can you do in this world with no money? Right?

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender is refusing to cancel private mortgage insurance from my loan. The loan to value ration of my mortgage loan is less than 80 %, I am up to date on my payments and I have never been late, and I have requested cancellation of PMI in writing from them. I made extra payments on the principal of my mortgage loan to bring it down below 80 %. It has been slightly over one year since I purchased my property. My mortgage lender claims the loan to value ratio must be 70 % instead of 80 %. I have a conventional mortgage loan with a fixed rate and I believe I am entitled to cancel PMI once I have paid the principal balance of the loan down to 80 % or less of the value of the property at the time of its purchase. The value of the property at the time of its purchase on XXXX XXXX, 2014, according to appraisal used by the lender was {$160000.00}. The principal balance on my mortgage loan today is {$120000.00}, which is 79.95 % of its value. The value of my property has not declined in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt. 
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago.  This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints. 
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: 1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Settlement process and costs

Complaint: my mortgage is a arm loan which was never explained to me and I have been paying on this for years and my balance seems to go up. I did n't know that this is how it would come out I have killed my self to keep it there should be a law on doing this to americans

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They reported the debt on my credit report as a charge off. When I disputed it with the Credit Reporting they validated the debt. I contacted them via certified mail with a " Notice of Direct Dispute '' under FCRA 623 ( a ) ( 8 ) ( D ) and they never responded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have notified XXXX XXXX and XXXX XXXX ( Core Logic ) via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX ( Core Logic ) or 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 10-11-2016 about Mortgage (Conventional fixed mortgage) with CITYWIDE HOME LOANS A UTAH CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: I talked to Citywide Home Loans for a new home financing. I knew my credit scores and asked him to provide me a verbal quote on how much rate ranges are. He said he can only provide me a rate after running my credit application. I asked him again - considering prime credit scores how much the rates would be. The competitors are providing 4.125-4.375 % for 30 years fixed with 20 % down and XXXX points. He said to me that their rates are competitive with others and they would be able to provide me similar rates. 

Then he ran my credit - and my wife 's credit and came back and said that their rates are at 4.75 %. Again, mine is prime credit with 20 % down so the credit check changed nothing at all. It was inexcusable for the lender to not have given this quote earlier. The only reason I was going with this lender is that the builder recommended using him and said they would provide {$2500.00} towards the closing costs if I used this lender. His rates were so bad that an outside lender would be cheaper to me by {$5000.00} even after excluding this builder credit. 

This was unprofessional behavior on part of the lender - he lied to me about what the rates would before running my credit check. My wife and I got dinged on our credit report unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My issue is about the XXXX point reduction in my credit score in less than 60 days with no logical or tangible explanation about how my score can drop by XXXX points when there have been no significant changes to my record. There is no suitable option in the CFPB drop down listing of options for making this type of complaint and the matter of credit score which is so central to the access to jobs, insurance, housing, etc. by a consumer 's is not very transparent. On XXXX XXXX, 2015, my credit score with Experian was XXXX and as of today, it is XXXX and XXXX points lower. There have been no new accounts added to my portfolio of accounts and in fact, I have paid off a couple of accounts ; XXXX delinquencies have dropped off and any other delinquency ( except for a new one with XXXX XXXX which is being disputed ) was only account in XXXX. Experian needs to explain specifically what has changed in 60 days to result in a XXXX point drop and I have had no additional inquiries. What I have observed over the years, is that during the period when I am paying {$19.00} to any of the credit reporting agencies, my score goes up and soon after I discontinue the monitoring service, there is a reduction in my score. This almost gives the perception that consumers are somewhat arbitrarily being penalized when they discontinue the service especially since I have never been able to get an explanation about the reduction in my score. The credit scoring process is like a blackhole and the high level explanation about the percentage composition of deriving the score is simply not good enough. In my case, given the very short duration, Experian should be able to provide me with the specific changes that amounted to a XXXX point reduction in my score since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Requested a  Loan Modification i n  XXXX   XXXX  to whence, after this request was consistently told from one moment to the next, the modification was incomplete yet no one could tell me what exactly or explain precisely what was needed. This was drug out until  XXXX   XXXX . What started out as a debt of about {$2000.00} ended up being close to {$8000.00}!!! Now, as I got ready to make my payment today, I am not hit with an additional {$400.00} or fees on top of my mortgage. The lender took me through much grief, worry, sickness and inconvenience only to tell me in  XXXX  or  XXXX  that I was denied because I had a modification 2 years earlier which was also a scam as they suckered me into a balloon payment of over {$18000.00} at the end of my mortgage. I have a total packet of over  XXXX  pages of back and forth issues and constant submissions.

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 04-01-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Ocwent told me if i pay my mortgage on time my PMI will drop in 5 years of payment, now that the time has come they will honor what they said giving me any excuse that i owe too much on my home, i received a letter from XXXX Department of Finance with my Market Value at {$380000.00} and i owed {$200000.00}, Ocwen will not even aknowledge the letter.

Company response to consumer: Closed with explanation