milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.

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 02-02-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Wells Fargo Home Mortgage Loan # XXXX - XXXX XXXX Please be informed that the above listed Loan with Wells Fargo Home Mortgage Loans was modified and reinstated In XXXX of 2016. I have requested that my new payment information to be updated with all the credit reporting agencies to reflect my new credit and good standing. However, when verification of this information was requested from both XXXX and XXXX, Wells Fargo failed to inform them of my reinstated loan and current payment status. This negligence on the part of Wells Fargo Home Mortgage Loans has had a negative impact on my credit file, and credit score since XXXX of 2016 when the mortgage reinstatement documents were signed by myself and Wells Fargo Home Mortgage Loans. 
Please correct this misinformation immediately and provide XXXX and myself with proof that my credit file accurately reflects my reinstated mortgage loan as of XXXX 2016 and all payments made by me to my account # XXXX in XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 as of XXXX 2016 my loan should reflect 5 months of new activity but there is nothing. 
The Fair Credit Reporting Act states that this information should be reported and reported accurately as it is my right. 

Please forward to my address below written correspondence that this has been corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i lived in la mirage apartments in XX/XX/XXXX with another person name XXXX XXXX. when we moved out he gave them his forwarding address. they sent him that we owe {$590.00}. i wasnt aware of that.in XX/XX/XXXX i got a call from FCO saying i owe {$590.00}, i told them that that 's the first time i hear about it and that i can pay my half and they would have to contact XXXX for the other half. i asked if itll show on my credit report and they said no if i pay it. they did end up putting it on my report as " settled amount paid less then original amount '' .its been on my credit report for 5.5 years already. i sent them over 20 letters and called them more then 10 times. theyve been nothing but rude and hang up the phone on me saying there 's nothing they can do and " why am i calling you already paid us '' .i sumbit a compliant with the FTC and the company 's response was that they listened to the recordings from their orignall call 5.5 years ago and that they didnt promise me it wont be on my report. i called them today XX/XX/XXXX and asked for the reecording and they hang up the phone on me. i called again and asked for a manager and after 30 min on hold he told me i can send you a letter that you paid and you owe us {$0.00}. when i told him i do n't need that i need a deletion letter or a copy of the recording so i can give it to my lawyer he hung up the phone on me again. i dont know what else to do with this company. they are the only collection account i have on my report and they 're messing up my credit when i dont deserve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I requested my free credit report on XXXX for all three agencies. The XXXX loaded fine and I saved it. However, the Equifax report failed to load and the XXXX report did n't load properly in my browser but reloading the page requested the report again. The second time it said my request could not be honored and I had to request it by mail. I called Equifax to order the free annual report but the automated system wanted to charge me since I requested the report online, even though I never received or viewed it. The XXXX website to request a report did not work when I tried to submit documentation for a report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: My dad passed away on XXXX/XXXX/2016. He had a checking account with Bank of America with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Bank of America said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Bank of America thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.

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 10/20/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (AZ).
Issue: Problems when you are unable to pay

Complaint: SNAAC has been charging me late fees of XXXX per month and somehow is saying the late fees are now equal to {$490.00} but I have been charged the late fee in the monthly payment. They are also stating that the {$420.00} repossession fee is the third party fee for calling the company to pick the vehicle up. After talking to the third party they stated they have no set fee however SNAAC is still not removing the fee. They are overcharging me on the payments and then still charging me late fees

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 05/15/2017 about Debt collection (Credit card debt) with Razor Capital, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX  a credit card was takin out in name without my knowledge the credit limit was  XXXX  $ went into default sold off to  XXXX   XXXX  holding  XXXX   XXXX   XXXX  then  to Razor   Capital LLC   XXXX   XXXX   XXXX  by the time i was aware of any of this it was   XXXX    XXXX  explanied that i did not take this credit card out found out that  someone in   XXXX  FL did this i have lived in NY my enitre life also i filed a report with the NY state Police in  XXXX  NY i have always paid my bills and credit cards in full i have perfect credit, HAD untill this

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 07/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (WA).
Issue: Struggling to pay mortgage

Complaint: I have been with Wells Fargo for years. I had severe health problems, lost jobs, wreak a XXXX XXXX, worked out of town, did a mod with them, could n't make payments, These people always said that they would help me out. Not one person told me about any other programs or my options ... I have a good job, had to file chapter XXXX, it 's krazy ... .they take a payment out of weekly check for that month. Because of the timely mater with forecloser all the added fees, XXXX late back pay now. Each month I pay over XXXX to them. I work 6-7 days a week, you should see how I live, no food, 2 cars I ca n't drive need repair, repairs needed in the house. Ca n't mow the lawn, Trustee says five years maybe, Let me ask you, Do you think I will be alive? What a nice substantial life ....

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 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.

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 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Due to the bankruptcy of the company I worked for I defaulted on my agreement with the IRS. The IRS put a lien on my property. A few days later my credit score dropped more than XXXX point. We spent the last few years cleaning up the problems and the IRS removed the lien and the credit reporting agency, Trans Union removed the record but my credit score did n't go up an iota. It is a one way street looks like. I know that it took an act of congress even to get to the point of them removing the record, but if the score is n't changed than they are showing a finger to the lawmakers and indirectly to you. 
Please investigate the matter. If you need more information I am more than happy to provide it. I do n't think I am the only one with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with Credit Bureau of Columbia, Inc. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed with XXXX and Accounts Management Svcs several times this account does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX 2017 I contacted Trans Union about identity theft and their credit reporting that displays ancient information ( closed accounts ) and incorrect information regarding several accounts in my file.
Trans Union refused to make notation or correction of the items I disputed. In fact informed me that I had to contact the companies and provide information back to them. The other credit agencies XXXX and XXXX  corrected and deleted the same erroneous information on my credit reports.
I believe Trans Union has the responsibility to contact the company that provided the information to them to confirm its accuracy. As well all the credit companies especially Trans Union, who arrogantly prides itself as '' we are more difficult than the other credit agencies '' ( is what they stated to me ) should not be allowed to take any company 's word that a consumer is irresponsible, without proof, when a dispute is made. Trans Union should be made to require documents ; i.e. signed contracts and or agreements to confirm company reporting is accurate.

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 01-12-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX The company above made false representation of the factored rate of interest on my loan from the onset of my contract. I have made 12 months of payments on the loan of $ XXXX and never been late or past due etc. Upon receiving a solicitation in XX/XX/XXXX - 11 months into loan, I contacted their XXXX Ga location to get a quote for an additional amount, to realize the loan was misquoted from the onset. However the new amount triggered me to look further into the misrepresented amounts and contact their corporate office. The XXXX employee said the rate factor was XXXX on initial loan and XXXX on new loan amount. Upon firther research the loan amount is, in fact, XXXX. 

I have continued to pay this loan - XXXX payments were being removed from my checking by a company by the name of XXXX and now changed to XXXX XXXX. 

XXXX XXXX XXXX office said that their rates were imbeded into their system and did not show employees the actual factor. 

It is my contention that One Main owners and financial offocers are guilty of violations of the fair debt collection act, guilty of fraudulent information to their customers, and in violation of state and federal laws regarding financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with Halsted Financial Services, LLC. (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX/17 @ XXXX, I missed a call from ( XXXX ) XXXX. I immediately returned the call. I was then asked for my information and I asked what agency had I called. I was told that it was a debt collection agency. The name was inaudible by the female representative. I asked her about the debt and she said it was for XXXX in the amount of {$260.00} and immediately started to ask me abut the course of action that would be taken. I told her that I am not familiar with her company and could she tell me again and that I would reach out to XXXX. This is due to me receiving upward of 50 phone calls daily from robo and scam calls. She told me it was Halstead Financial Services. I also asked her to mail the documentation pertaining to the debt to me She continued to disagree. I tasked her again She told me that they had already sent a letter. I told her that I had gone through my mail and did not have anything within the past 1-2 weeks from them and that I need them to put the debt information in writing. She refused to mail the document and yelled " it will not work under your terms ''. I hung up the phone to prevent further aggressive talk while I was at work. I walked outside and called back at XXXX to get her name. " XXXX '' continued to try to collect the debt and would not provide the name from the notes in the account even after I told him that I was in the process of filing a complaint and that I would add his name as someone that I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We are fighting to keep our home. I sent in a QWR and OCWEN in return just made a document dump and sent me a box with thousands of documents ... there is no way of understanding what document goes with what question, hence I feel OCWEN is not in compliance with RESPA. Below is what I sent to them to comply. 
Best regards. 
XXXX XXXX Attn : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX Loan Number : XXXX Ocwen Loan Servicing , LLC Lady and Gentleman. 

I received on XX/XX/2016 the box of documents that the Research department provided from my request through the Qualified Written Request to you dated XX/XX/2016. After going through the documents you provided and trying to match them up with the specific questions asked in the QWR, it is clear that all that was done, on your end wasa document dump of everything inthe file for this property.There is no way that any person could verify questions in the QWR to specific documents that you provided and I find that you are not in compliance in spirit or deed with the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ). 

What I require is, you to take question by question in the QWR and match a document to each question you believe reflects it 's answer. You will have to make a " KEY '' like " A1, A2, A3, A4 and match question to document so one can understand what you are communicating. 

We have a lot at stake here, so lets at least be professional about it. 
Best regards. 
... ... ... ... ... ... ... ... ..XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation