milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: The data reported to the Credit Bureaus ( XXXX, Transunion and XXXX ) in regards to a late payment to XXXX XXXX account ending in XXXX was incorrect and was due to an error by XXXX. 

After investigation by XXXX, it was confirmed that there was a representative error in regards to my account ending in XXXX. On XX/XX/XXXX I had requested my account be closed and the representative I made several requests to never closed it. 

On XX/XX/XXXX, I was alerted by XXXX XXXX that my credit score had dropped significantly due to a late payment. I immediately investigated why and promptly reached out to XXXX to get this resolved. 

On XX/XX/XXXX, same phone call, the manager of the representative with whom I had spoken, reviewed the transcript of the call and chat in which I made this request, and confirmed and agreed that the account should have been closed on XX/XX/XXXX. 

Because the account was not closed, this resulted in additional charges to the card that were not authorized, and because I thought the account was closed, I was unaware of. 
The late/delinquency fees associated have been credited back to the account by XXXX. The charges made to the card after the account should have been closed that resulted in the outstanding balance have also been refunded to the card which should result in a {$0.00} balance on the account. 

On XX/XX/XXXX, the representative that was helping resolve the matter closed my account with XXXX. 

I wrote a letter to their credit dispute department requesting that this data be removed from my credit history as soon as possible and immediately. I am in the middle of buying a house and this is damaging to my credit score and needs to be resolved immediately. This is incredibly harmful timing for this be happening and would appreciate all efforts to resolve immediately. 

How can a company rep make a mistake and now its going to cost me somewhere to the tune of {$50000.00} over the life of my mortgage? I need this resolved literally immediately. They are pulling my credit for interest rate in the next few weeks. Just unbelievable that they can make a mistake and I suffer for it. 

They promised that they would submit to the credit bureaus that it was inaccurate. However, I submitted the dispute to the credit bureaus, they investigated and said that XXXX told them the data they hod originally submitted was correct. So they did not fix my credit score.

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 01-06-2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: XX/XX/XXXX I applied for a loan with loanme.com. Under distress I got this loan yet not fully understanding how the interest rate and payment would go. After making payments for a loan of {$2500.00} I was told in XX/XX/XXXX that I owed over {$6000.00}. It would take over 2 years to pay off. I do n't have that kind of money nor knowledge of how this would work. anyway the calls of been a lot. as of XXXX/XXXX/XXXX I received a bogus threatening email stating I was taken to court in XXXX. I called the XXXX court and they have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.

Company response to consumer: Closed
Consumer complaint received 12/18/2016 about Debt collection (I do not know) with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The company in question, XXXX XXXX, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as XXXX XXXX and XXXX XXXX XXXX ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " FNBO 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The is complaint is again Diversified Consultnts for a XXXX bill in the amount of {$980.00}. I have never had phone service with XXXX. I recently reviewed my credit record and noticed the debt. I sent a letter to the company asking for proof of the debt and all a received was a company copy of a bills. I have never received any notice of this debt before contacting the company, I have not heard anything additional from the company either. This is not my account and needs to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Payday loan) with BlueChip Financial (SC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted EBTs ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. XXXX then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year XXXX of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.

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 09/16/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (FL).
Issue: Struggling to pay mortgage

Complaint: Contacted my lender because my home has incurred significant damage from Hurricane XXXX & I have lost income because my employer has lost electric service as well as I have lost electric on my own home as well. I asked for fourbearance. And they said the only program they could offer was that I could be late for with my mortgage payment for 3 months with no late fees or negative report on my credit but the entire 3 month balance would be due by month 4. They would not agree to defer the payments to the end of my loan in order to allow me to pay for the repairs to my home which will cost me my hurricane deductible in the amount of {$6000.00}. 

I understand other lenders are agreeing to allow to defer the 3 months of payments to the end of the loan to allow the owners to pay for repairs to their home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Credit report shows I am XXXX, and I am not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Credit line increase/decrease

Complaint: Over the past few years I have attempted to get a credit increase from Bank of America - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually " review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax stated that my credit report, along with millions of others, was compromised due to a breach in their security platform. This has put my personal credit history and financial security at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I am asking the Consumer Financial Protection Bureau for assistance with reference to my mortgage/home loan. 
I am a victim of predatory lending and now my home is in jeopardy of Foreclosure. I am trying to resolved this matter with the current loan servicer, Ocwen Loan Servicing LLC, and XXXX Solutions. 
I have made multiple attempts to secure an affordable mortgage payment based on my outstanding loan value which exceeds the current value of my home. 
Due to multiple service handlers, lack of proper communication, XXXX servicer inconsistencies, excessive fees and other circumstances, which has forced me into this position of mortgage/loan arrears. 
As a consumer, i feel that my rights have been violated and I am seeking some assistance with this matter. 
Attached is a full letter explaining the details of my complaint. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Looked at my credit report and saw that they had account so my court in which I had no knowledge of which are all reporting negatively and affecting my credit worthiness. I have open dispute with all credit report agencies and I have n't been able to get a clear response to the handling of my credit disputes. Currently I have open dispute and the credit reporting agency has allow companies to be on my credit report that has not communicated with them in over 30 days to remain on my account even though I have gave multiple instruments to support my call for possible identity theft in and accounts being open without my knowledge.

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 01-04-2017 about Credit card () with EXPERT GLOBAL SOLUTIONS, INC. (FL).
Issue: Other

Complaint: On XX/XX/XXXX I opened a credit card account with SST/Cigpfi, I paid faithfully until going through a XXXX. A short while later a second account popped up on my credit report, with a different account # named SST/Synovus. Both accounts have the same date of being opened. I have tried to have XXXX of them removed as it is clearly a duplicate. Many letters later and they still appear on my credit report. I have asked for the company to provide the proof that I personally opened both accounts and they have failed to do so AND the marks on my credit report remain.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I SENT A XXXX CHECK TO EQIFAX AND ALL THE REQUIRED INFORMATION BY CERTIFED MAIL. MY TRACKING NUMBER SAID THAT THE DOCUMENTS WERE RECEIVED INCLUDING COPIES OF MY SOCIAL SECURITY CARD, DRIVERS LICENSE, COPY OF MY BANK STATEMENT SIGNED STATEMENT E-MAIL ADDRESS HOME ADDRESS TO FREEZE MY CREDIT PERMANENTLY. I HAVE NOT HEARD A THING FROM THESE PEOPLE AND MY CHECK HAS NOT BEEN CASHED. I DONT TRUST THESE PEOPLE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I called last year to cancel and pay off all accounts with XXXX XXXX, and they failed to tell me about two other accounts that i had with them. When I called back today i found out they were now charging my account 30 % interest and i asked them to immediately cancel my credit card and to pay off all of my accounts with them. I now found out that there is another account that they still have failed to tell me about ... ... from my junk emails ... ... they are doing this on purpose to give a false sense of security and meanwhile literally XXXX the consumer. 

what is the us gov't going to do about this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: USAA will not allow a credit card product change. I want to switch reward programs. They claim that the " Card Act '' will not allow me switch credit card products and that in order to do so I would have to open a new line of credit. USAA is the only company I know of that will not allow a product change. It is unfair to the consumer. The purpose of the law is to protect the consumer. Instead USAA uses it to keep costumers from negotiating better terms while allowing USAA to change the terms of the deal ( intrest rates, reward points, etc. ) at will. This means its possible for a consumer to open a line of credit with USAA due to an appealing reward program, and then have USAA changes the rewards program without allowing the customer change products.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Trans Union numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and remove 1 account that does not belong to me.

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