milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On about XXXX of 2017 my credit card by XXXX XXXX Credit Card Services, issued by XXXX XXXX, XXXX. was used by fraud. The matter of the fraud was eventually investigated by the credit card issuer and credits were given for the use, the finance charges reversed, the late fees reversed but the credit issuer reported on my credit bureau a late payment during the confusing times and during. This is now affecting my cost for insurance and ability to finance my house and to get lower credit offers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing statement

Complaint: the chevron credit card consumer are over XXXX member ship charging ( LATE PAYMENT FEE XXXX ) IN XXXX BIG HOLIDY PER YEA. XXXX X {$50.00} = {$50000.00} .ENESENCE CUSTOMER PAYING {$50000.00} X XXXX BIG HOLYDAY = {$300000.00} corruption indpend howmany member ship this corruption jus only CHVRON CREDIT CARD DOING THE BIG HOLLYDAY XXXX PLEASE STOP THEM .AND punishment customer services in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX/XXXX XXXX does not show my ( Position ) I'm A XXXX   and attach proof as to TransUnion not putting all the correct information to Personal 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 non-monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2.XXXXN XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7XXXX ( XXXX ) This account was disputed and never verified pleae delete.

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 03/24/2016 about Debt collection (Mortgage) with MONEY SOURCE, THE (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Payday loan () with ACE CASH EXPRESS, INC. (ME).
Issue: Charged bank acct wrong day or amt

Complaint: I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (Conventional fixed mortgage) with AMERICAN PACIFIC MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX Mortgage 's Good Faith Estimate showed the down payment as 20 %. The day before close of escrow when XXXX XXXX XXXX gave me the final paperwork and it showed the down payment amount was increased by 31 %. Also, the company was hard to deal with because during the last few weeks of escrow XXXX XXXX Mortgage changed or added new loan requirements once or twice a week.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with LEXISNEXIS (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Lexis-Nexus had erroneous information on my driving record which affected my Auto Policy through XXXX. I had to file a request to receive the false reporting via their auto system. When it came, and I contacted them to dispute it, I had to wait 1.5 hours on hold to finally get someone. She cleared it up w/ in 3 minutes - but not before I wasted all my time doing this. In addition, my auto renewal policy will become due prior to them correcting their false accusations, so I will have to pay a premium on my policy for renewal. Really, really disappointed. This needs to be addressed as I 'm sure I 'm not the only one being effected by their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Other debt) with North Shore Agency, LLC (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a collection letter from company collecting for  XXXX   XXXX . The  XXXX  account has been in a complex situation since my original account was split into. Also, I have not been contacted by  XXXX   XXXX  via postal mail, email, nor telephone, since the previous complaint,  XXXX , which was referred back to  XXXX   XXXX . This account has had issues in regards to the bill getting higher each month. Also, there was never a final bill for the account in question, listing the reasoning behind their charges. There was only a bill with the inflated amount. I am also continuing to receive a bill for the account in question.

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 03/31/2017 about Credit card () with KEYCORP (NY).
Issue: Customer service / Customer relations

Complaint: Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A credit card was open under my name as a result of a identity theft with exxon mobile. Reported the account as fraudulent, but they are still reporting me as responsible for it.

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 08/14/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Taking out the loan or lease

Complaint: My sister needed a vehicle for work the auto dealership said her credit was n't strong enough and that she needed a cosigner to help, I agreed. 
The auto dealer first ran my credit through several of there lending institutions causing several hard inquires to my credit report. Now my credit report shows the purchase and or new auto loan as if I am sole obligor, is such the case when cosigner.

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 01/30/2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TN).
Issue: Problems when you are unable to pay

Complaint: I had an autoloan with BB & T Bank that was part of a Chapter XXXX Bankruptcy. I filed for protection in XX/XX/XXXX Case # XXXX this was dismissed prior to the confirmation due to a clerical error but payments were still being made to the trustee. This Case # XXXX followed and again due to clerical error was dismissed prior to confirmation but payments were still being made to the trustee. Case # XXXX replaced the previous cases and was dismisses AFTER CONFIRMATION in XX/XX/XXXX due to loss of employment. 
At issue is the reporting by BB & T stating that I was past due while in the chapter XXXX and that payment was not received. Payments were sent by the XXXX Chapter XXXX Trustee to BB & T while the case was EVOLVING from the INITIAL CASE FILING # XXXX. 
I have sent a formal letter to BB & T in XX/XX/XXXX with no response and filed an online dispute through XXXX. The online dispute response stated that BB & T has changed the report showing that the account was paid but still shows XXXX missed payments from XX/XX/XXXX ( initial filing ) until XX/XX/XXXX ( case dismissed ). The Trustees office shows that payments were made and received by BB & T starting in XX/XX/XXXX. 
When I had voluntarily dismissed my case in XX/XX/XXXX, I paid BB & T the final payoff for the XXXX XXXX and received the title upon payment. 
I wish to have the late payments adjusted accordingly and fairly. I retired from the XXXX and have XXXX that prevent me from employment. I incurred these debts and have been working towards repaying XXXX my debts back to the Creditors. All I ask is that I be treated accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: PURCHASED XX/XX/XXXX USED XXXX XXXX XXXX FROM XXXX XXXX XXXX IN XXXX GA, XX/XX/XXXX. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO EQUIFAX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR XXXX XXXX XXXX IN XXXX GA. I AM XXXX XXXX XXXX AND XXXX VET. HAVING 2 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote a letter to Experian asking them to investigate mistakes on my credit report. They responded to me with a letter saying my letter was suspicious, and that they would not do my free investigation. I do n't know what was suspicious about it. It did come from me, and I even attached copies of my ID 's to confirm my identity. In Experian 's letter, they gave me a phone number to call and an e-mail address to visit to " validate '' my letter. Apparently, I can not speak to a live operator or do anything to via the web-site unless I buy one of their products from them. I believe Experian is purposely refusing to do my free investigation so I will buy something from them that I do n't actually need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Many calls to my cell phone number XXXX XXXX XXXX from Professional Bureau of Collections of Maryland , Inc XXXX 
I do not owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 2 items listed on my credit report as collections from the Company XXXX XXXX ( 1 ) {$850.00} and ( 2 ) {$980.00}. I have sent certified letters to dispute these charges to the credit bureaus and to the XXXX XXXX agency to no avail. ( Letters were sent XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. ) They continue to say the debt is valid, with no evidence of such. However, per my insurance XXXX XXXX XXXX XXXX - there are no claims from providers for these amounts. I am requesting that both items be deleted from my credit file. I have no other collections and this is a hardship and burden to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with KEYCORP (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This complaint is about : XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This totally for profit school promises job placement and does absolutely nothing. 
When I got out of this school, I had a debt of over {$36000.00} and no job placement help. 
The loan was financed through XXXX XXXX Student loan. I feel I ended up with a payoff amount of almost {$30000.00} even after paying them monthly for 5 years! 
Please investigate this academy and the loan servicer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with ProCollect, Inc (MS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was mailed a settlement offer letter. The letter was received after the due date for the settlement. I attempted to contact the collection agency multiple times and they refused to honor the settlement offer and payment arrangements. When I asked them to stop calling me they continue to call all of the representatives and supervisors we 're rude and threatening except  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Since XXXX I have been trying to work with this company on removing and verifying my Identity and signature as I never had any goods or service from them and the account or service provided was due to Identity Theft. I provided the company with a copy of the Police report, Identity Theft report, My Driver 's License and Social Security Card as they request only for the company to update the information with my current information provided to them as they did n't originally have this information but sent a response back to the credit bureau as being a valid account and added additional charges to the outstanding fraudulent balance. Updated Credit Report with ( Acct INFO Disputed by Consumer : Placed For Collection ) Even though they have the Police Report, Identity theft Report and an valid Id Showing my address for the last 6 years along with a company of my social security card.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Closing on a mortgage

Complaint: I am trying to refinance my mortgage interest rate 7 to 8 % they are hiking my payment by almost {$1000.00} a month. they deferred payments over the life of my loan ( 12 over 12years ) I was never told that the interest would be put to the side as a separate part of the loan and now I can not refinance my home appraisal is {$200.00} K and with the interest which they do not wish to waive I owe $ XXXX they have not modified the loan I have tried to get it modified in the past and they do not work with me to make things reasonable I am desparate I do not know how I can pay almst {$2800.00} a month when I take home about {$4000.00} total the company is HSBC mortgage services ins acct XXXX thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation