milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Transunion reduced my credit rating by 74 point on XX/XX/17. I pulled my credit report with transunion and found there was no apparent reason for my credit score to be reduced by 74 points. When I called Transunion they had no explanation but did say that the score they had was different that the one I received through XXXX XXXX, XXXX XXXX and XXXX XXXX. They tried to sell me my credit report again but refused to tell me what the different score they had was. I explained to them that I had a recent copy of my Transunion credit report and could find no negative information that should affect my score by 74 point. and that if they had any negative information that would have caused the 74 point drop in my Transunion score that They needed to make me aware of it so that I had the opportunity to contest the information. They are refusing to be transparent in their reasoning for reducing my credit score by 74 points in one day, nor will they provide me with the " different '' score they claim to have, They are also refusing my the opportunity to challenge any inaccurate information on my report that may have contributed to the sudden significant drop in my credit rating.

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 03-10-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I opened an account at XXXX ( USAA ) around XX/XX/XXXX. Shortly thereafter, I became joint owner on my roommate, XXXX XXXX 's USAA account. In XX/XX/XXXX after I realized he had met financial difficulty, I asked that my name be removed as co-owner from his USAA accounts. I was able to do this through my own online account access. I completed the process and was successfully removed from XXXX XXXX 's account. I am attaching screen captures reflecting the completion of this process along with a confirmation from USAA indicating my request was complete. 

In the meantime, XXXX XXXX amassed obligations to USAA for an overdrawn account - the same account on which I was previously listed as an owner - and in the end, his financial obligations to USAA were discharged via Chapter XXXX of the United States Bankruptcy Code. However, even though I was successfully removed from XXXX XXXX 's account, USAA has blocked my own account access and services and has informed me that I am indebted to them in the same amount XXXX XXXX was indebted. 

Several months ago, I phoned USAA 's customer service, and without disclosing my name or account number ( I told the representative I had generic questions that were not account specific ), I inquired about the process to remove oneself from an account where he is the joint owner. Specifically, I asked if an account has a negative balance, is it possible to remove oneself from that account using USAA 's online services. The representative told me that it is not possible to complete such an action ; and that if attempted, the system would block it and return with a message requesting the member contact customer service for further details. 

I was removed from this account as co-owner BEFORE XXXX XXXX became indebted to USAA, yet USAA is continuing to hold me liable for this balance, and they are preventing me from accessing their full suite of services - services I would otherwise be eligible to access. Not only am I unable to view previous account data and records, I am unable to use the accounts I have housed with USAA. 

I was under the distinct impression that in taking action as soon as I discovered the joint-owner 's financial situation, I was protecting myself from liability and demonstrating that I did not contribute to this account mishandling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Credit reporting () with Credit Karma, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I moved in XX/XX/XXXX to a new house, and I went online and changed my address in all my credit cards, including " XXXX '' from XXXX XXXX. On XXXX XXXX, I used the card for {$24.00}. During XX/XX/XXXX and XX/XX/XXXX I tried to access my online account with no success, the website was under maintenance. Earlier this month they sent me a letter saying I was 60 days late in my payment. I called them right away and explained them what happened during the last 2 months. They admitted their mistake and waved the fee, I did a payment just for {$24.00}. At that point the website was still " under maintenance ''. After some hours on the phone they realized that I did n't have an " online account '' even when I do. They explained me that the new card with the chip is considered a new and different account, so I had to create a new online account for that, but they never sent me any information about it. Despite they assumed the responsibility, my score credit dropped more than XXXX points and I called XXXX XXXX again, they suggested me to file a claim in order to fix this derogatory mark. Before this incident I had a XXXX % in my payment history. This issue affect my wife because she was an authorized user.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: this is the second time i am filing a complaint regarding XXXX XXXX XXXX and tracking of public loan forgiveness payment tracking this issue. 

previously i received information from other borrowers accounts in addition XXXX XXXX XXXX was unable to correctly count the number of payments i had made. 

i submitted paperwork certifying my employment for a qualifying public loan forgiveness institution and received notification it was accepted on XX/XX/XXXX for the dates XX/XX/XXXX through XX/XX/XXXX, during this time i made a payment every month. 14 months, 14 payments. XXXX XXXX XXXX only recorded 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I obtained a credit report from Experian on XX/XX/2017. We also obtained one for my wife using my credit card for both. The credit report was " free '' and they charged a {$1.00} for credit scores. They had a pop up with a lengthy description of terms of service which I accepted. ( I did not read it thoroughly as this stuff is mostly boiler plate usually. ) I accepted. On XX/XX/XXXX they made XXXX separate charges of {$21.00} on my credit card. I noticed the charges on XX/XX/XXXX and called. They indicated that it was a membership fee that I agreed to in the terms of service area. I have to say, that the disclosure is not clear. I asked for a refund and they refused. They have supposedly cancelled my membership but will not refund the nearly {$44.00} in charges that were not plainly posted. I know of no financial institution that can bury notices like this and the lengths that mortgage companies must go to in disclosure and think Experian is using deceptive practices with the {$1.00} charge to lure you in and accept the terms of service with the hidden fees. I want Experian to refund my moeny.

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 monetary relief
Consumer complaint received 10/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: EXPERIAN - I am very meticulous on watching my credit accounts and credit score, I seen online {$1.00} for a free trial with EXPERIAN for seven days. I paid the amount through my credit card and entered the site and viewed my credit accounts and credit reports with EXPERIAN and all was good! I noticed for a ONE TIME fee of {$39.00} I can have access to XXXX and XXXX my accounts and credit scores. This seemed like a pretty good deal figuring to have complete access to all XXXX Credit Reporting Agencies so I viewed all three agencies and all was good! The next day I accessed the EXPERIAN site again and again attempted to access XXXX and the window popped up stating for {$39.00} I can view all three agencies? Figuring this was a mistake I called EXPERIAN only to find out that that ONE TIME {$39.00} fee is only good for ONE DAY! Nowhere on the window for the charge does it state that the {$39.00} fee is for ONE DAY it just simply says for a ONE TIME fee! This is misleading to consumers and EXPERIAN needs to state that the ONE TIME fee is also only good for ONE DAY! This is an important consumer issue that needs to be addressed immediately to protect consumers and to ensure EXPERIAN is up front and transparent to its subscribers! 
Another point of extreme concern that I have found out is the credit scores that EXPERIAN provides to consumers from XXXX and XXXX are erroneous credit scores! I obtained my credit score through EXPERIAN for XXXX and it seemed to be on the high side? I called XXXX and they said the score I obtained through EXPERIAN was about XXXX points higher than what XXXX had on file for me on that same day and they looked back through a month and my score was never as high as what EXPERIAN provided to me? I called EXPERIAN and explained to them the discrepancy from the XXXX credit score they provided to me and she told me that EXPERIAN uses a different scoring model than XXXX uses? So this is the issue, how can EXPERIAN charge additional money for a credit score from XXXX and XXXX and provide it to the consumer and these credit scores are erroneous and do not even come close to the actual scores on file with XXXX and XXXX! And in this case there is nothing on the EXPERIAN website advising the consumer that the scores from XXXX and XXXX may differ from actual scores because of EXPERIAN using a different scoring model! Again this is a big issue for consumers and needs to be resolved with EXPERIAN!

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 01/24/2018 about Debt collection (Other debt) with Allied Account Services, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2015 stating that I owe a balance of $XXXX I never signed a contract with this company to agree to pay any debit's owed. Therefor I am not responsible for any debits owed to this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company name XXXX XXXX XXXX has reported that I owe {$80.00} to them. This information is inaccurate because I never received a parking ticket with the city of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In our address information : a ) The XXXX, NJ address was our OFFICE ADDRESS, and we sold that business in XX/XX/XXXX ... 14 years ago. Please remove that address at once. 

b ) The XXXX XXXX, NY POST OFFICE BOX address was closed in XXXX ... 13 years ago. It, too, must be removed at once. 

Kindly respond in writing acknowledging the adjustments. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I was speaking with Quicken Loans about requirements for a Mortgage Loan, and did not authorize a credit inquiry. However, my credit report was ran without my approval. I consider this fraud and identity theft. I then called back to ask why they did that, and was told by XXXX XXXX of Quicken Loans that they had 'permissible purpose ' if they had my social security number and date of birth. I told them that if anyone had my info they still needed my approval to do anything with it,. I would like to report this agency as willfully misusing my identity and would like to press criminal charges and file a civil lawsuit against Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: The client 's identity was stolen and as a result a credit card was opened with Citi. The client did not sign an application for credit nor did he ever produce any identification for said credit card. Citi was notified of the fraud by the client who is a XXXX and does not speak english. Citi is attempting to make the client obligated for a credit card which was obtained fraudulently. The borrower did not understand the process nor understand Citi 's attempts at making the client liable for the fraudulent account. The client has hired an attorney to assist him with the fraudulent account. Citi has been notified to contact his attorney for all necessary dispute process. Citi mortgage must investigate the true identity of the person who applied for this account as the client did not apply for said card. Credit card amount issued was approximately {$8000.00} only and the client is receiving collection notices with an amount of {$21000.00}. Citi is continuing to hold the client liable for a fraudulent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian : Date : XXXX XXXX, 2017 Report # XXXX Former or Current Employers On my credit report is missing one of my current Employers for over 2 years XXXX XXXX XXXX. Phone # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have given my Employer address as well as a check stub from them

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 07-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation