milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Consumers Financial LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: First Consumer Financial   XXXX   XXXX ,  LLC is reporti ng incorrect information showing the wrong date when the payment should be paid. The payment is due the   XX/XX/XXXX of each  month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cove r the  XXXX 17 payme nt because I mailed the payment and was lost in the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid  one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occas ions in which it was not. I have not missed a payment because the  manager told m e to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for   XXXX   2017 and   XXXX  2017 not  date due which is the    XX/XX/XXXX    of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XX/XX/XXXX  of each month and pai d  XX/XX/XXXX  p ayment on   XXXX 17. The payment was due on   XXXX  17 and 10 days before a payment is due but reported.   XXXX   is   showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't pay on the due date but sending to the Credit Bureau. I am paying more than what is due at tim es. See atta ched

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 non-monetary relief
Consumer complaint received 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Disputed with all XXXX 'credit agencies ' since XXXX! There should be nothing on any of my credit reports except Dept of Education showing as XXXX, closed. It shows on Experian but then they also show XXXX XXXX. THERE IS NO XXXX XXXX! They have exact same thing twice looking like I have XXXX different student loans. In addition, XXXX XXXX crooks have put " late payments '' THERE WAS NEVER ANYTHING DUE ALWAYS IN DEFERMENT UNTIL DEPT. OF EDUC TOOK THEM AND THEY ARE XXXX. They were sent proof XXXX and mo 's and mo 's at huge expense to me over and over, and now Experian has all XXXX ( XXXX XXXX should not be on any of my credit reports! ) ; XXXX XXXX has it all XXXX ; and XXXX has only XXXX XXXX XXXX ( completely wrong! ) this is so stupid to have XXXX do this continuously since XXXX WHEN ALL MY STUDENT LOANS WERE TO DEPT OF EDUC AND BECAME XXXX XXXX XXXX does this on purpose, they are biggest bunch of crooks in U.S. besides banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
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: have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX at XXXX est i called transunion credit services and spoke to XXXX in the usa, to Inform them i was aware of inquirys on my credit report that where deleted from a glitch a while back they had and deleted my inquirys on my report and now they put them back on my report and some others i never made, i told them i know my legal rights and legal protections and that they failed to notify me in writing XXXX days prior to re-adding the inquiries to my report that they were intending to do so. I Demand that all of the inquiries be deleted for this reason and this reason alone from my TransUnion report. My transunion report #

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: they deleted some of the false fraud claims but not all the ones they left two out that where in ohio where i never lived here is the police report and the two claims that they need to delete from XXXX XXXX and XXXX CLAIM 1 Claim Date/Age : XX/XX/XXXX ( 02yr - 04mo ) XXXX  File # : XXXX Company : XXXX XXXX XXXX   Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$25000.00} BODILY INJURY CLOSED {$65000.00} COLLISION CLOSED {$26000.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 2 Claim Date/Age : XX/XX/XXXX ( 04yr - 03mo ) XXXX File # : XXXX Company : XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX Sex : M Address : XXXX XXXX XXXX, XXXX Drivers License # : XXXX Vehicle : XXXX VIN : XXXX Disposition : DAMAGED PAYMENTS BY CLAIM TYPE Amount Type Status NaN COLLISION CLOSED Additional Info : N/A

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Have a first and second loan with HSBC. 
( Beneficial Finance ) After we requested payoff amounts on loans. HSBC realized the second had come to term a year ago. Then sent us paperwork to resign the loan at 14 %. 
But on our statements it shows 8 % and has been at 8 % for 13 year. HSBC said " On there computer we are being charged 19.90 % ''. Have been sending payments in. And they send them back. We have sent faxes and called for 10 weeks or more trying to get information on what we really owed. Loan started at {$17000.00}. After paying {$220.00} a month on it for 16 years. HSBC claims there is a balance of {$14000.00}. On the XXXX of this month. It will be 4 months that HSBC has been refusing payments from us. We assume they are stalling at sending us the full payment history for life of loan. 
Also have problem with first loan. 
Loan started at XXXX after paying on loan for 16 years. HSBC gave us a payoff amount of XXXX. Payment breakdown on statement always has money missing, or says it unappliedunapplied. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XX/XX/XXXX I got a advertisement from USAA credit card company to transfer high interest credit card balance to them with no interest if promotional transfer paid off in 18months. I foolishly transferred {$2300.00} to USAA. I find out that for the last 3 months I have been charged 18 % for transfer balance plus 18 % on current principle- That a combine rip off interest of 36 % ( is this not loan sharking ). I have made payments as high as {$1100.00}. {$700.00}. {$500.00} etc. The problem is that USAA applies very minimal to balance transfer ( as little as {$20.00} ) at times. This will cause the transfer balance fee to remain till entire balance is paid off. I am in process of paying this off as soon as possible. The sad part is that I would have never allowed my balance to get to this amount if I had known ( thought I was saving?? ). THE REAL SAD PART IS THAT USAA HIGHLY ADVERTISES THAT THEY ARE THERE TO ASSIST VETERANS AND MILITARY PESONNEL. SOUNDS LIKE THEY ARE HERE TO HELP US VETS OUT OF OUR FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I would like your help to get me a check for approximately {$440.00} from Paymap, Inc that I am entitled to as the result of an agreement with CFPB settlement. 
The 'Equity Accelerator Program/Paymap, Inc ' the XXXX uses to service my mortgage payment recently settled a claim with the CFPB, and I was notified that I was to receive a check. The letter I received on XX/XX/XXXX was dated XX/XX/XXXX, and states that the final day to have a check reissued is XX/XX/XXXX. Since I had received no prior correspondence, and not received a check, the XXXX letter was telling me that I was entitled to a check, but that I was too late to request one. 
I contacted the HELP phone number on the ( attached ) letter, and was told by operator XXXX that they could not help. I spoke with manager XXXX and was told this would be handled by 'corporate ', and was given a fax number and an address. I faxed and mailed a letter, and have still had not response. ( certified mail receipt and fax confirmation attached ). 
I contacted the same HELP number provided on XX/XX/XXXX and operator XXXX told me that my letter had been received according to my account notes, and that 'corporate ' is handling the matter, and that he could not help me or inform me. 
I received a reply on XX/XX/XXXX that said the case was closed. 
The HELP number is no longer in service. 
It seems very unfair to me and inappropriate that I receive a letter long after the closure date telling me of my entitlement, and odd that I had no other check or notification. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My identity leaked along with XXXX XXXX other Americans. I do n't even get to choose if they get to keep my data, since they are XXXX of the major credit bureau i have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). 
SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. 

Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. 
I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. 
I have the statement and escrow shortage statement if you would like to see them. 
I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..

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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was called by my step daughters boyfriend. He said Proffesional Debt Mediation called him asking about me and wanted information. This person was called on his private cell phone and is not related to me. they called XXXX/XXXX/2016 @ XXXX. This is not a Company I am doing business with. They Contacted me in reference to a debt from XXXX XXXX that I am disputing. I never signed a contract with XXXX and I told the salesperson I was unable to pay the co-pay because I was laid off and my husband is a XXXX. They installed the roof and the original bill ballooned from {$1700.00} to {$3800.00}. XXXX representatives were verbally abusive and actually frightened me to the point I would n't leave my home. To have a collection company calling acquaintances is also frightening and an invasion of privacy. I never signed a contract with XXXX. The salesman had my husband sign my name. My husband is not the owner of my home it was purchased prior to our marriage and with his physical condition. He believed he was signing an estimate not a contract. The signature was acquired outside on top of a car.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full before collections action began. Please research and have this account deleted from my Experian credit report. this account is negatively affecting my report.

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 11-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not acknowledge this debt. 

Portfolio Recovery is reporting a debt to the credit reporting agencies past the 7 year limit. The date of last activity on this account was XXXX 2008. They are still reporting this account after the 7 year federal limitation. 

The date does not begin when they buy the debt, but the date of last activity with the original creditor. The statute of limitations " clock '' starts ticking on the date of last activity on the account. This is the date of last made payment in XXXX 2008. 

If they continue to violate the FCRA my attorney will immediately file suit for violation of the FCRA. 

Please investigate this collection agent for violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CHECKED MY CREDIT REPORTS AND I HAVE LOTS OF MISSPELLED NAMES AND ADDRESSES SHOWING. I HAVE ATTACHED MY DRIVER LICENSE FOR PROOF OF THE SPELLING OF MY NAME AND ALSO A COPY OF MY REPORT SHOWING THE WRONG NAME SPELLING ALSO MY ADDRESS IS ON MY LICENSE THIS IS THE ONLY ADDRESS I HAVE LIVED.

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 05/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage through Ditech was paid off XXXX/XXXX/2016. My remaining escrow balance owed to me is {$3000.00} and I still have not received my funds. Most all mortgage companies ACH the escrow funds to their customers within XXXX to 5 business days. Ditech stated they only mail out checks and ca n't do ACH or wires. XXXX/XXXX/2016 and I still have not received a check of the money that is rightfully mine. I have stated to them multiple times through phone calls and online the time frame they have held my money is absolutely unacceptable as I have liabilities to take care of for my family. I know for a fact they have my correct address as through their online system I have filed complaints to see where the check is. The generic system responses have been mailed to me which tells me they have the correct address on file. I have also followed up with Ditech 's reps over the phone. Ditech is making interest off of my escrow and holding my funds for whatever reason and I fear they 're most likely doing this with other clients as well. I need to receive my escrow balance owed to me. Please help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Other debt) with Dynamic Recovery Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The agent of this companny called DINAMIC RECOVERY SOLUTIONS, have called repeadetly fron a phone number from a individual person not associated to this companny and using a name of XXXX XXXX, have called many times even though after many times they have promissed to delete my number because of a mistake they did. This agent associated my last name with the one of another person and since they don`t have form of contact them is trying to get to them throu me, even after many times I have told them I don`t know such person they keep calling and promissing to delete my number. If you dont resolve this matter I think will be time to involve the courts since they are just abusing and don`t want to understand I have nothing to do with them and keep associating my name with a delincuent account that don`t correspond and I don`t have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Trouble during payment process

Complaint: Citizens One has not credited my mortgage escrow account with interest since the inception of the mortgage loan in XX/XX/2016, in violation of Massachusetts General Laws chapter 183, section 61. 

I contacted Citizens One who said that there is no interest being paid on the escrow account ( attached ) and MA Division of Banks and was told that Citizens One is in violation of this law and that they are regulated by CFPB. I was advised to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This Company is still reporting and account on my credit that has been transferred to another agency. This XXXX item is now a duplicate and this company needs to close my account Diversified Consultants , Inc . 
XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.

Company response to consumer: Closed with explanation