milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: Several months ago, I proactively contacted Citibank because I thought I 'd be unable to make my monthly payment due to unforseen medical bills. When I talked to a Citibank customer service representative to make payment arrangements, he told me that one of the " perks '' of my Citi " Simplicity '' card was that I was allowed to entirely skip a payment without any penalty whatsoever. He advised me that I should thus pay my medical expenses, and NOT pay Citibank that month. I asked if this would be reported to the credit bureaus, and I was assured again that that was allowable as a Simplicity cardholder unless several months would pass without payment. 

I know that Citi definitely has written and possibly even recorded accounts of this conversation that took place around XX/XX/XXXX or XX/XX/2015. Obviously, I was given wrong advice and was turned in to the credit bureaus. The payment WAS missed, this is NOT under dispute. The reason the payment was missed was because I was told to do this by one of Citibank 's representatives, and I relied on his advice. 

The fact of the matter is the rep should have stated that, should I miss a payment, I would not be charged a late fee. This is NOT the message that was conveyed -- he advised me to NOT PAY for that month, to actually skip a payment -- and that there would be no ramifications due to the benefits of the Simplicity card. 

My FICO score plummeted from about XXXX+ to XXXX, and even though I recently paid citibank {$20000.00} ( XXXX XXXX ) dollars, it remains low. This is the only payment I 'd ever missed with ANY account in my entire credit history, and it 's only there because I relied on and followed the advice of Citibank 's representative. Other Citi reps have apologized, and supervisors have even given me credit on the card for the trouble this has caused with the promise that this will be removed -- but it has not. They 've now seem to lost track of what has happened, and are only looking at the fact that a payment was missed, not why. I 'm appalled that it seemed impossible to get them to look into this, so I 'm hoping you can make them see what has transpired. I feel this is Citibank 's fault, not mine, and my credit score and history should be mended.

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 11/24/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Target Visa was paid off & closed, subsequent fraudulent charge for an online subscription -- I did n't detect it for a few months or so. Contacted Target, but they did n't act. Eventually was charged off XX/XX/XXXX, and I sent a letter stating that I was not responsible for the debt to one collection agency XX/XX/XXXX, and a copy of that letter to the current collection agency about a year ago. Still, they call me several times a week, usually weekend days @ XXXX., so I have to unplug my phone to sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I wrote TransUnion on XXXX XXXX to dispute an incorrect address on my TransUnion credit report and they seem to be ignoring me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with PAYPAL HOLDINGS INC. (MO).
Issue: Unsolicited issuance of credit card

Complaint: I was making an online purchase with paypay. I am an experienced online shopper and proficient in computer systems and the internet. I did n't think I could be so easily fooled. I was trying to pay with the credit card I have on file and use for online purchases. Before I knew it I was being given paypal credit. I did not want paypal credit! I do not want any more credit! I do not want anything to affect my credit rating and do not want any searches of my credit history that could affect my rating. I have been diligent in my credit and do not appreciate the deceptive practices from a company that I have trusted before. Please advise how to correct this with paypal credit and my credit rating. I am not sure of exact date. It was last week sometime. I have been trying to figure out what to do and finally came upon this website. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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: I 've tried to dispute online and over the phone and still no help in getting this issue resolved. There are 2 XXXX accounts and XXXX XXXX XXXX XXXX. There reporting as installment accounts and past due. Collection agencies ca n't report The type of account are listed as installment. Please remove this incorrect information. Are not a creditor and I have never entered an installment account or agreement with the company. 
The account status is shown as Past Due. Please delete this incorrect information. not a creditor, you can not report an account as past due or current. The XXXX XXXX XXXX XXXX has most recently reported is {$3500.00} and listed this account as 120 days past due. Please remove this incorrect information. There is no payment history to report as XXXX XXXX XXXX XXXX is not a creditor.Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with them they are not a creditor. The Payment status is listed incorrectly as past due date as of XXXX2017. Please remove this incorrect information. I have no terms or installment agreement with them not a creditor. Enclosed will be a sample of how Equifax says accounts should be listed and mine is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account is admitted to being paid in full by collection agency but remains on all 3 of my credit reports.

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 10/13/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to complete a short sale. I am 16 months behind in my mortgage payments and can not continue to pay the mortgage. The bank keeps evaluating me and approving a loan modification because they say my credit score is over XXXX. The reason it is still over XXXX is because they are purposefully failing to log derogatory information on my credit report to keep my score inflated so they can tell the investor I qualify for loan retention. I wonder how many other non performing loans are in this similar situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Problems when you are unable to pay

Complaint: I had an account since XXXX 2012 with capital one auto. After XXXX years of paying on the loan capital one began harassing me with several phone calls a day and now text messages. I also have a late payment that I disputed with them after a representative stated they only mark your account late if the payment is n't in by the end of the month for reporting. I also was promised paperwork to restructure my loan and then I was told it was n't sent because I stated I would be hiring an attorney.Company has called over a XXXX times back to back. I have enclosed only a handful of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Problems caused by my funds being low

Complaint: Key Bank absorbed   XXXX   XXXX   XXXX   in  XXXX  of  2016 . At that time I had  XXXX  in my account as I was n't sure how the merger would work out. Apparently there was a mystery charge of  XXXX  to my account ( which I hadn ; t used as I was moving to Ohi o ),  This caused my account to be overdrawn. No notice was sent. When I mentioned this to the bank  officer  at the branch, I was given a run a round and a  XXXX  # to executive customer service. That was a fax number. After several calls I got the right number.  XXXX   XXXX  told me that this charge would be dropped.   I used check and it passed through ( funds were in the account ) but another bounce fee attached. I called the  XXXX   XXXX  again and after another runaround she agreed that the fee would be waived. It never was. As I stopped using the account over this-they continued to assess fees and now they have closed the account and are trying to collect the charges they assessed in error as " money that I owe them ''. Now the last 7 times I have called  XXXX   XXXX  is never in the office or can not come to the phone. Always she is going to call me and she never did. This has been going on since  XXXX   2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 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: Information belongs to someone else

Complaint: Id theft victim hpd XXXX police report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX 30 Day Late - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took out federal and private loans while in school at XXXX University in XXXX XXXX SC ( XX/XX/XXXX-XX/XX/XXXX ) I consolidated and did a income based payment but this private student loan is in a total of about {$25000.00} which I took out with ACS. For the past 2 years I 've been managing my debt really well so I 'm always on top of what 's going on with my financials like whats in collections, trying to handle defaulted student loans one at a time and what I can and ca n't payoff because I 'm definitely not rich and the collection agency that I last spoke with a few months ago that my defaulted private student loan is with, wanted outrageous down payments and monthly payments. So today I checked my credit which I do about 2-3 times a month. Today I see my XXXX report went down XXXX points from 7 days ago when it was last updated. I checked to see what happened and it shows a collection company name TRANSWORLD SYSTEMS Inc claiming an unpaid educational debt of over {$35000.00}. It claims the debt first went delinquent XX/XX/XXXX. I have no knowledge of this debt or the amounts its claiming and I definitely did n't take out a student loan or any loan recently, especially for it to be delinquent as of XX/XX/XXXX. I researched the name of TRANSWORLD SYSTEMS Inc and got discouraged because everyone is saying it 's a scam. Please help me out, I have no idea what to do and I really want to put this private loan behind me. Working with collection agencies are nothing like working with the original lender like the US Dept of Ed. Attached is what I see when I check my credit. Again I have no idea what this debt that TRANSWORLD SYSTEMS Inc has on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

Experian 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 06/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: called regarding the collection of a debt. however, I do n't owe on anything except a credit card ( paid in full every month ) and my mortgage ( paid every month automatically ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened a XXXX Credit Card in XXXX XXXX to purchase two items for my children. I paid the total amount in full on XXXX XXXX, XXXX of {$270.00}. In XXXX I received a statement for {$27.00}. I paid that amount in full on XXXX XXXX, XXXX and called the XXXX Customer number to make sure they closed my account. I informed them I had shredded the card and would no longer be using it and to please be sure to closeout the account. 

In XXXX of XXXX, after receiving several suspected debt collection calls, I ran my credit. Sure enough, balance owed to XXXX. I disputed it on XXXX and on XXXX XXXX received the results which came back with a status of, " updated. '' After disputing the amount with XXXX I finally received a statement from XXXX showing a balance owed of {$91.00} ( this has now gone up to {$120.00} ). These are the first statements I have received from XXXX since the {$27.00} statement in XXXX XXXX. 

On XXXX XXXX I called the number on the back of the statement ( XXXX ) which connected me to XXXX XXXX. I explained my dispute and was given a different number for XXXX XXXX ( XXXX ). I called, was put on hold multiple times and finally spoke with someone. I was told that the {$27.00} statement sent in XXXX was late fees from the previous statement of {$270.00}. When I paid the balance in full on XXXX XXXX it was considered late as it was supposed to be paid on XXXX XXXX. I agreed, however I also paid the {$27.00} late fee amount on XXXX XXXX XXXX. After making that payment I called XXXX to close the account. I was then informed by the representative on the phone that after the {$27.00} payment there was an interest fee amount of {$9.00}. I asked for further explanation as I do n't understand how I could be charged interest after paying of the late fee amount and closing the account. I was told it was charged after making the payment of {$27.00}. I inquired further as to how I was able to call, speak to a XXXX Customer Service Representative, close my account and was never told I had a balance or how I was even allowed to close the account with a balance. The representatives response was plainly, " we will not remove these late fees you must pay in full or dispute the charge. '' I never received a statement for {$9.00} from XXXX. I was allowed to close my account and was never informed of a current balance. Had i known there was a balance of {$9.00} I would have paid it. Now {$9.00} has become {$120.00} and I truly do not feel I am at fault here.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The creditor call me XXXX times in a XXXX time frame.

Company response to consumer: Closed with non-monetary relief