milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: This company has inaccurate information on my credit report and I want it off my report. I contacted XXXX, TransUnion, and XXXX on several occasions more recently on XXXX XXXX, 2017 and demanded that they remove the bankruptcy off my credit report because they violated the Federal Trade Commission and the Fair Credit Reporting Act when they claim they verified the information through the court system. I have a letter from the XXXX XXXX XXXX XXXX that clearly states that they now nor ever validate or verify a bankruptcy. Because of that they clearly violate section 603 ( 0 ) ( 5 ) ( A ) ( I, III ) 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, the court states confirmation of the corrections, truth, and/or authenticity of a testimony in a deposition. It also states that verification is a sworn testimony to have accurate information from the institution from which it came from and they have clearly violated these sections. Therefore I would like it deleted from my account immediately. I am strongly considering a small claims lawsuit if the credit bureaus do not take this off my credit report no later than XXXX XXXX, 2017.

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 06/22/2017 about Student loan (Private student loan) with Genesis Lending (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I enrolled in XXXX XXXX XXXX, CA campus in XXXX and during enrollment I was paying a private loan from a lender named Genesis Lending Services XXXX I completely paid them off years ago in XXXX. I am now aware that there has been a lawsuit, and I want to receive a reimbursement of some sort. I never worked in the field after completing classes. I am overwhelmed of all the fraud they have caused. I tried reaching them now, and I can not find any information. I threw all my old receipts away unfortunately, yet I recall struggling at the time to pay them off, I am more mature now and as I am learning to take care of my finances, the past has haunted me, and I wish to collect something for there fraud.

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 08-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: I filed complaint # XXXX with CFPB regarding my HELOC serviced by XXXX XXXX XXXX They acquired the loan from Bank of America and serviced it for almost ten years The loan is resetting to a payment just about double my current my payment which I can barely afford now.
XXXX never reached out to me as recommend by the OCC, about a loan modification I may be eligible for. They knew the hardship I was going through, XXXX and on fixed income at 1/2 my salary when I took out the loan I am awaiting a response to my complaint when I received a letter from XXXX that they gave my loan back to Bank of America. This transfer should not cancel my current CFPB complaint but going forward the new lender should now respond to CFPB as to why my loan modification never happened or is under immediate consideration as this has been going on long time Either way Bank of America is now responsible and I need to know why I have been so mistreated by these lenders. I am struggling to make payments, borrowing from others.

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 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion removed inquiries from my report and added them back with proper notification and it 's against FCRA

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 02-07-2018 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A collection agency called my work cell phone in the middle of my work day to advise that I owed XXXX XXXX over {$3000.00}. I have never had an account with XXXX XXXX. I asked them to clarify and they said they had an affidavit that it was my debt that started in 1993! They read off my name and social security number and I said that is not my debt and I don't have anything in writing from them. I asked them for back up on this debt and a copy of the affidavit as this was 25 years ago I do not have any back-up. She collector named " XXXX XXXX '' refused and said she would forward to her attorney 's for further action. She also threatened to call my current credit card companies and have my accounts cancelled and destroy my credit which is good as I just leased a car. Not only do I think this is illegal but harassing and I would actually like to sue this company. The company is call XXXX and the phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Consumer Loan (Vehicle loan) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: XXXXRegional Finance ( RF ) is placing a " Forced Placed Insurance ( FPI ) '' charge on XXXX XXXX customers, including myself, according to XXXX the total XXXX employees that I spoke with. Basically, I had liability & uninsured motorist insurance on the car from day one. I was hit with this ( FPI ) in the sum of {$1800.00}, which was broken down into payments. FYI - XXXX person told me monthly, another person told me quarterly. They began charging me from XXXX forward. After getting in contact with me in XXXX, I upgrade my policy to full coverage as of XXXX XXXX, 2015. Regional Finance 's out source company XXXX, credited Regional Finance back {$780.00}. Regional Finance however is still charging me $ XXXX. even though I am in compliance with full coverage insurance. In a follow up conversation with Regional Finance, after talking with XXXX, a new number and explanation was submitted that still does not make sense. According to a supervising representative of the company, XXXX charged them {$1700.00}, plus XXXX XXXX XXXX applied a one-time interest fee of {$150.00}. The {$1700.00} was supposed to be applied for XXXX. According the supervisor, the {$780.00} credit was against the {$1700.00}, leaving a balance of {$920.00}. XXXX, Regional Finance and I have spent most of XXXX/XXXX/15 on the phone back and forth to understand and receive a satisfactory explanation. I do not understand why I am being charged for 12 months when the lapse time covered XXXX mos. 
I am currently paying MY full coverage and the XXXX that added to my account. I have no problem paying for the covered months but if they have been reimbursed why am I being forced to pay for 12 months. Again, even the multiple employees that I spoke with could not make sense of this. I am asking the BCFP to investigate these insurance companies for these types of practices. 
I believe this is a bad and unfair business practice financially effecting millions of Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved

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 04-12-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to erroneously report an account ( XXXX XXXX ) with a negative payment status to my credit report even after I have disputed the account both directly with Equifax and with XXXX XXXX. XXXX and XXXX have correctly removed this account from their records, but Equifax has refused to do so. This account was my husband 's account and I was only an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 referenced accounts have been reporting on my consumer credit file in error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Problems when you are unable to pay

Complaint: I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month, it puts me behind financially and this is what happened in this situation..I have a loan with Honda Financial. 
I have paid {$380.00} a month, without interruption, to Honda since XXXX, until a month or so ago, when it changed to {$400.00}, using the extra {$17.00} to pay off late fees that had accrued and for which your agency helped me to finally stop accruing. All because Honda would not change my payment date. 
In early XXXX XXXX, I had some extraordinarily large bills to pay. Car registration, and other car repairs that had to be done i.e. replace an old battery, as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse, because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda, which is all I could send, and it was applied to XXXX XXXX. Now, I am getting calls twice a day about the XXXX payment. I also received a very disturbing, threatening letter from a XXXX XXXX, ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment, including re-possessing my car. I have tried to remonstrate with Honda Financial, to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid, I have not used the money for unnecessary frivolities.And yes, I yearn to be able to save money each month to cover emergencies such as I have just had, but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent, and perhaps might be doing this on purpose. I 've had a run of bad luck, but now I would like to continue paying my monthly payment every month for the approximately 15 months I have left to pay off the loan. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a settled account with XXXX XXXX on my Equifax file. Instead of showing the balance as zero after settlement, they left a balance of {$150.00} on the XXXX XXXX trade line. I provided a copy of the settlement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not have any debt from XXXX XXXX XXXX company and am not even a customer, but somehow some debt collect companies kept attempts to collect debt and report to XXXX credit bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Debt collection (I do not know) with Johnson Mark LLC (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. 
I need to stop them from obtaining my Bank accts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXXXXXXXXX XXXX XXXX XXXX XXXX Loan Number : XXXXTo : XXXX XXXX Executive Response TeamRegarding : Illegal Tactic of ForeclosureXXXX XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead XXXX. The servicer of the loan is PHH Mortgage XXXX. As you can see in the Notice of Trustee 's Sale XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX does not exist only your name. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : XXXX and all other Civil Codes that applies. 
1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain XXXX involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 XXXX Explain XXXX Bank XXXX involvement14 ) Explain XXXX XXXX XXXX involvement15 XXXX Explain Mortgage Electronic Registration System involvementTime is of the essence

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I just recently open up an account with CHASE Bank, direct deposit from Social Secuirty, I '' m XXXX years old, widow & XXXX. On XX/XX/2016, after receiving my benefits from my late husband job, paid bills online. Then on XXXX, @ XXXX on XXXX in XXXX, TX trying to pay for a purchase, card declined. Thank God there was a CHASE bank nearby, left there with my daughter & granddaughter went into the bank to check balance, printed copy of transaction. I Immediately spotted an unauthorized charge for {$100.00} by AMAZON. The teller referred me to a Banking officer, who in called the Customer Service Claim Dept regarding the charge. The CSR ( XXXX ) time XXXX -XXXX, informed me I had to call Amazon to cancel the charge for a membership. I went home and called Amazon @ XXXX CSR ( XXXX ) informed her about the unauthorized charge to my account for {$100.00}, she then transferred me to CSR ( XXXX ), who informed me it would take 3 to 5 business days to cancel charge and credit. I asked for a confirmation number regarding the transaction, she stated I would receive 2 emails. I did receive the 2 emails, in return called CHASE Customer Service Claims back spoke with CSR ( XXXX ) that I spoke with Amazon regardingt charge, sending emails confirmation. I asked the CSR if I would fax the information to them, no problem I would go ahead and reverse the charge. CHASE refusal to accept the emails, ended up credit the account twice, after AMAZON had already credit the account.Then this week deducted their mistake from my account, causing me problems regarding paying my bills, where I can to make payment arrangement and do a bill in a cash payment instead of BILL PAY.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: My vehicle was re-possessed without ANY prior communication. 

My information with CapitalOne has been the same since the day my loan originated ; phone number, and email, my address changed a year ago but I made sure they had everything correct. I had fallen behind on payments but called and was told that because I am once again employed and can make extra payments I was " fine. " " Fine '' apparently means " just kidding, we 're coming for your car. " I received no phone calls, no emails, no letters prior to my car being taken. This is a direct violation of my consumer rights. Additionally, the repo company that took possession of my car ransacked my belongings as well as the interior of the vehicle, they made me sign a form saying everything was returned to me in good condition before I was allowed to see any of it or enter my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a letter to Medical data Systems to validate all debt by certified mail. I received my receipt back from the post office and XXXX  XXXX signed for the letter and I have not received a response. I then made a phone call in the beginning of XX/XX/XXXX and I spoke with XXXX XXXX concerning this letter. I reminded them that they are past the 30 days and this debt has not been validated. I then submit a second letter for the letter I received turn they never validated the debt and they listed all Medical Data Systems on my report. I then submitted a second letter telling them that they have violated federal and state laws and how they failed to provide me with a copy of viable evidence bearing my signatures showing the account is being reported accurately. This letter was sent on XX/XX/XXXX Certified mail receipt number XXXX. However, they are in violation and I have made several attempts and nothing.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX2016 XXXX XXXXXXXX reported hard inquiries to my credit report. I have never applied for credit at XXXX XXXX. I have contacted the lender and have had no success on removing inquiries. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Under the Fair Credit Reporting Act, Experian must remove XXXX late pay status on my credit report as it has exceed 7+ years. Those are XXXX XXXX - 60 Day Late for XXXX XXXX account number ending # XXXX for XXXX XXXX ; XXXX XXXX Dept Store/XXXX XXXX - XXXX late for XXXX XXXX account # XXXX ; XXXX XXXX Bank - 30 Day late for XXXX XXXX account # *******************. My street address is XXXX XXXX XXXX, XXXX Ohio XXXX with SS # *********** and phone XXXX. I have repeatedly send correspondence over the past two year to both creditors and Experian who continues to ignore, send frivolous responses or works in collusion with each other to keep these deliquent status on my credit report -- I want them removed by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I was approved for a Citi Premier Card on XX/XX/2015. On XX/XX/2015, the public offer on the signup bonus went up to XXXX points if you spend {$3000.00} in 90 days and I asked the Citi social media team to match me to that offer, which they kindly did. I got a letter shortly thereafter via US postal mail dated XX/XX/2015 ( I have provided the letter as an attachment ) stating " Your account is enrlled in the promotional offer to receive XXXX, XXXX bonus ThankYou Point ( s ) as long as you spend {$3000.00} by XX/XX/2015. Since the offer is XXXX if you spend {$3000.00} in 90 days, this made sense because I opened the account on XX/XX/2015 and 90 days is XX/XX/2015, just as the letter states. However, I called in yesterday XX/XX/2015 and was told completely different terms. I spoke to XXXX, Account Manager, ID number XXXX and she told me completely different terms than the letter Citi provided. She stated since I was matched to the offer on XX/XX/2015, all purchases prior to then do n't count towards the minimum spend but that I have until XX/XX/2015. This contradicts the terms provided to me in the letter from Citi. These new terms that XXXX told me are not listed in the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I called on XXXX transaction on authorized transaction in my account and they disputed them but about three days later decide to close my account without notifying me although I know that credit card if you have to notify mebut what I do know is that a credit card company can not restrict or close your account for disputing transactionsI calledrestrict the account because I reported fraud and disputed transactions now they do n't even let me pay what 's left I tried to pay the bill and every time I try to come back saying that I 'm not eligible payments so the count is still staying the same interest fee they do not pay any fees and have XXXX credit cards and the same for the other ones the same

Company response to consumer: Closed with explanation