milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company discovered a breach of personal information on XX/XX/XXXX and did not report it to the public until XX/XX/XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed.
XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX+ All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
Use Credit Union Inquiry fromXX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Specialty - Shoe, Hat, Etc.
XXXX XXXX Inquiry from XX/XX/XXXX+ Credit Unions XXXX Inquiry fromXX/XX/XXXX + Bankcard XXXX Inquiry fromXX/XX/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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
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 discovered a tax lien in t he State of  Maryland which was not correct.     I had not lived in nor worked in the State of Maryland in   XX/XX/XXXX  (   y ear in question ) however, due to my   XXXX   XXXX   XXXX    XXXX  I used my sisters address as a return address on my federal tax returns to insure I would not miss any mail.     Maryland thought I was in MD and pursued taxes owed.     In   XX/XX/XXXX  I d iscovered the lien and started to investigate. After multiple phone calls I was able to speak to a supervisor who understood my dilemma. She realized the lien was not valid and on behlf of the State of Maryland filed a Notice  of Lien Withdrawal on    XX/XX/XXXX   noting the lien was withdrawn and vacated and sent a copy the credit reporting agencies and to me.     On   XX/XX/XXXX  I sent   XXXX  proof of the liens updated status requesting removal by US Mail.     On   XX/XX/XXXX , I disput ed online through  XXXX   XXXX .     On   XX/XX/XXXX  I  mailed copy of lien withdrawal to  XXXX  by certified mail return receipt requeste d (   XXXX   XXXX   XXXX   XXXX   XXXX  ) delivered   XX/XX/XXXX .      On    XX/XX/XXXX   I  spoke with a  XXXX  customer service agent to check status of my request for investigation. I was told that investigation was incomplete.       XX/XX/XXXX    XXXX  reported investigation completed and that tax lien was valid and would not be removed from my credit report.     I made no payments to th e State of Maryl and as this was a lien filed in error. I sent information by US mail and confirmed documents had been received.      XXXX  is obligated to investigate and remove erroneous information. This was not a paid tax lien this was a tax lien that never should have been filed. The State of Maryland recognized the error and filed a motion to vacate and withdraw while  XXXX  has failed to properly investigate and report the error.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Last year Ocwen did the same thing and the XXXX contacted them and part of the issue resolved. I have HAMP and my loan goes to 4 % this year. The amount I pay now is XXXX. My amount should not go to XXXX. Effective XXXX/XXXX/XXXX they want me to pay XXXX which is understandable, but as of XXXX/XXXX/XXXX to pay XXXX. Ocwen told me to pay in the amount of XXXX for my Escrow account and I did and they said that would cover everything. The first letter I received in the mail states I will be paying XXXX which is not correct. The XXXX highest amounts are incorrect. My Escrow account has a balance of XXXX, why did I still have to send money to cover Escrow. Ocwen has been cheating home owners for a long time, if I do n't check behind them this will continue. Ocwen raised my monthly amount before the five years was up to XXXX whereas the agreement with HAMP was XXXX monthly for five years. When you call to talk to them they say their going to investigate the situation but nothing is done, only a letter with a higher monthly payment. On their site when I check the principal and interest amounts its not the same reported to me. The amount I should be paying for XX/XX/XXXX is XXXX. How are they calculating wrong amounts with monies still in Escrow from XX/XX/XXXX. This company has been nothing but problems since they bought my loan from XXXX. Why is it they can do what they want and get away with it. I 'm a senior citizen paying bills on time and tired of the headaches Ocwen has caused me. On my credit report Ocwen states they were part of a bankruptcy which is not true they were only sent a notice of filing and they were not included, that 's when they started charging me XXXX, which they were not suppose to. This is an ongoing problem with mortgage companies like them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (OK).
Issue: Application, originator, mortgage broker

Complaint: U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney XXXX XXXX of Oklahoma, never demanded that they fix the loan, and used the money for the XXXX in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.

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 06/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, Wells Fargo took a direct debit from our XXXX XXXX checking account of {$1300.00}. Our regular monthly mortgage payment to Wells Fargo is {$1200.00}. Wells Fargo needs to respond to these XXXX questions : 1 ) Why did Wells Fargo take out an extra {$52.00} over and above our regular payment? 
2 ) Why was this extra amount of {$52.00} not mentioned in the Wells Fargo response of XXXX/XXXX/2016 to our complaint to the Consumer Finance Protection Bureau of XXXX XXXX, 2016? 
Please respond to these XXXX questions in a straightforward manner. Evasiveness is unprofessional.

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 10/26/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TN).
Issue: Managing the loan or lease

Complaint: I had a personal loan account attached to a credit card with Wells Fargo. I received a letter XXXX XXXX, 2016 stating charging privileges on my account and reference to reasons why. The account has been open and has not been past due. The account has been open maybe just over a year. After, the letter my credit score dropped and I could not understand why. I did not give Wells Fargo permission to run may credit after the account was open. The account now says, your account has been closed but you can still make payments

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 09/20/2017 about Debt collection (Medical debt) with Capio Partners, LLC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from XXXX XXXX on XX/XX/XXXX and the other from Trans Union on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!

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 08/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: My husband gave me a check to deposit into my account for money he owed me. The check did not clear and therefore, was not cashed. Yet, my account was closed due to his check not being a good check. On top of it all, I recently tried to get a bank account but only now was I told I am being reported by XXXX and that this is why I ca n't get a bank account anywhere. It has been almost 5 years that I have been paying for someone else 's mistake, yet I was reported to XXXX and not the person with the bad check. U.S. Bank is reporting me for XXXX items and they can not even tell me how the amount got to where it is. How can you demand money from someone and not be able to provide how the amount is itemized. I have placed a dispute with XXXX, and was unsuccessful and I have contacted U.S. Bank directly and was unsuccessful. I am just trying to understand what is going on and how I am liable for a bounced check that could never clear when it was someone else 's check ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (AZ).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I lost my job and my Wells Fargo Dealer Services agreed to allow me to pay weekly or no weekly to get caught up as there was a delay in me receiving unemployment. 
I made my first agreed payment of {$200.00} on XXXX XXXX XXXX, On XXXX XXXX XXXX sometime after XXXX pm the car was towed/repossessed from my home. 
When I made these payment arrangements I requested them in writing, XXXX refused saying they only note the account, not provide written confirmation of the agreement. 

Ater the car was repossessed I was told there were no approved payment arrangements noted tot he account, or on record. 
The car is to be sold on XXXX XXXX if I ca n't pay their fees, repo fees and XXXX fees to get the car back. 

This is not my only concern with this organization. 
On XXXX XXXX XXXX, while in California I paid XXXX cash at a XXXX branch to be later told the payment was credited as XXXX. Not XXXX. 
I scanned a copy of the receiot to XXXX XXXX DEALER SERVICES only to be told over XXXX week period it was never received. 
I asked for account managers email, they refused to provide, as obviously the fax # I was sending to there was an issue. 

Prior to this incident, in XXXX XXXX I again made a cash payment at a XXXX branch In XXXX, As close to my home. 
I paid the full payment of XXXX, however the receipt only said XXXX. I went to the branch XXXX there, explained what happened. It appears they were trying to cover for the teller who did this ( she still works there XXXX, so I demanded they call loss prevention and have them come review the video footage. 
They did, found the error and said they would correct it.I am not sure what correct it meant but my loan payment was never credited and my account was NEVER credited the missing loan payment that the teller mishandled to this day. 
I requested a thorough account audit and account payment history from XXXX XXXX thru current, the payment feom XXXX XXXX still says XXXX as oppose to XXXX as it should be. 

Overall, I have tried to stay in XXXX touch with whoever handled my accoubt if there is an address but it appears if there is great financial hardship or detriment WELLS FARGO DEALER SERVICES will tell you one thing on the phone and do whatever they want in the interim. 
They can not be trusted at the loan servicing level all the way down to the branch level.

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 05-09-2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved from a  XXXX   XXXX  's apartment in  XXXX  of   XXXX  . I turned in my key and all debt was satisfied. Since then the collection agency  Hunter Warfield has came after me with a total debt of {$3000.00}. This was a joint account in which I satisfied all debt obligations with the original creditor. This has previously been disputed and removed from my credit re port but was later added back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Greentree in XX/XX/XXXX. They informed me in XX/XX/XXXX/XX/XX/XXXX that my escrow account has a " shortage '' of {$480.00}, and they will deduct an additional {$40.00} each month for 12 months beginning in XX/XX/XXXX to make up this shortage. I have paid all mortgage payments on time and in full. My taxes have decreased and while I changed my homeowner 's insurance company, there was no significant change in my premium. I have called Greentree multiple times and mailed them a letter ( certified mail, they received it XX/XX/XXXX ) asking them to tell me specifically WHEN my escrow account went into a shortage and HOW much. They have sent me XXXX letters ( XXXX XXXX, XXXX XXXX and XX/XX/XXXX ), none of which answer the question of WHEN my escrow account went into shortage and HOW much. The XXXX letters from XXXX tell me they are still reviewing my request. I told them I spent five years in the mortgage business so I know how an escrow account works ( you put money in each month, they pay your property taxes and insurance - simple ). 
I object to Greentree telling me I owe {$480.00} without them being able to tell me how and when my escrow account went into a " shortage ''. All my payments were made in full and on time, so all my contributions to escrow are the correct amount and current. My escrow deductions for taxes and property insurance have decreased or stayed approximately the same. It is not mathematically possible for me to be in a " shortage '' in my escrow account. 
I view this charge of {$480.00} as an unjustified fee which Greentree can not show I am contractually obligated to pay. They have failed, repeatedly, to prove that I owe this money. Now they are taking this money each month from my bank account without my permission ( I told them verbally and in writing that I do not consent to having this money deducted from my bank account and that I do not owe this debt ). 
Finally - all payments were made on time and in full. My account is and has always been current.

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 12-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Problem when making payments

Complaint: In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (WV).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My daughter had XXXX XXXX XXXX. This is considered XXXX XXXX not covered by normal health care policies. At the doctors office we used Care Credit and secured a loan of {$10000.00}. 5 years term at 14.9 %. we made monthly payment for 25 months with no issues. Suddenly Synchrony Bank expired the original loan agreement and now changed the rate to 26.99 % Synchrony Bank was not the visible lender at the doctor 's office. We contacted the Florida Office of Financial Regulation, Division of Financial Institutions chartered to regulate banking in Florida. But they are helpless. Synchrony Bank is a Utah chartered operating in Florida and under supervision of Consumer Financial Protection Bureau. This makes no sense to me, meaning Florida can not regulate its own banks operating in Florida.. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX Florida. XXXX ( XXXX XXXX XXXX ) They have no legal right to expire an original loan agreement. <P/>The Florida Attorney General 's Office is now aware of this bank fraud. They are contacting Synchrony Bank but have also advised me to file complain with CFPB. You should follow up as soon as possible.

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 01/22/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Acceptance has continued to try and collect on an account that I was told by a representative from their company that I was no longer responsible for. Upon receiving correspondance from another representative from this company, they try to act as if now they never told me that I would no longer be responsible for the balance owed after I returned the car. They have also been engaging in some unethical practices such as removing the entire balance that I do not owe after I disputed this account and then went back and changed the amount owed to {$3700.00}. If i was verbally told that the balance would be forgiven I feel it is very unethical for them to now go back on their word and try to recollect this money. I also do not appreciate the fact that after disputing this account, they reported the balance as {$XXXX}, and then went back and reported the balance as {$3700.00} as well as reporting several late payments, a repossession status and adding derogatory marks to my credit report and causing a large drop in my credit score. This is an example of them reporting incorrect information which is grounds for removal of this account. This car was voluntarily returned to them by me, so them changing the status to " in repossession '' is them lying. I believe that they are doing this to be spiteful and retaliate for me filing a complaint and I would like them to stop reporting this negative account to my credit profiles. I have attached a picture that I took from my credit profile showing that the account balance was reporting as {$XXXX} and then they went back and began reporting it again as {$3700.00}, which I know is illegally reporting inaccurate information and I want this account removed. By law, they are required to remove this account and I will hire an attorney if I need to.

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