milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I called XXXX XXXX XXXX to close my account and I paid my balance off in full. When I closed my account, there were no remaining charges. 

In XX/XX/XXXX, after receiving a bill in the mail saying that I was late on a payment, I called again to confirm that my account was closed. I was then told that my account had not been closed, which was very frustrating. The person I spoke to removed the charges that had accrued. He also told me to follow up in two weeks to ensure that the derogatory late payment remarks were reported as an error to the credit bureaus. I was told then it was taken care of. 

Currently, the late payments for XX/XX/XXXX and XX/XX/XXXX are still on my credit reports, even though XXXX XXXX XXXX recognized the mistake that had been made on their part by continuing to keep my account open. One representative I spoke to listened to past recordings from my conversations where XXXX -- XXXX XXXX admitted to the error and said they would remove the derogatory late payment remarks. I have written to them and filed disputes with the credit bureaus and XXXX has not yet reported the correct information to the credit bureaus. 

I also received a letter from XXXX -- XXXX XXXX dated XX/XX/XXXX that says my account balance has been {$0.00} since my last payment of {$350.00} on XX/XX/XXXX. The late payment derogatory marks being reported to the credit bureaus are from XX/XX/XXXX and XX/XX/XXXX. If I have had a {$0.00} balance since XX/XX/XXXX, how  could I have late payments in XX/XX/XXXX and XX/XX/XXXX of that same year? 

Thank you for your help in this matter.

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 08/18/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Great Lakes adds interest DAILY to my student loans. Over approximately XXXX years, I have paid {$9000.00} " toward my loan '' yet the loan amount is actually MORE than when I was moved over to the company. ZERO has been paid to principal. By the time I finish paying my loan in, I think they said XXXX, I will have paid over {$40000.00} on approximately {$28000.00} in loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUDULENT ACCOUNTS ON XX/XX/2017. I ASK THEM TO VERIFY THESE ACCOUNTS UNDER THE FCRA SECTION 609 ( a ) ( 1 ) ( A ) I NEED TO SEE ORIGINAL SIGNED ON CONTRACT OR REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (I do not know) with Capio Partners, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2015 about Credit card () with U.S. BANCORP (CT).
Issue: APR or interest rate

Complaint: On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment was due on XX/XX/XXXX. Ocwen has not been willing to do a loan modification on our account. As a result, the payments have been due on the first of the month and I have been making my payments on the XX/XX/XXXX or XX/XX/XXXX of each month. The FCRA says that an account should not be reported delinquent unless you are XXXX calendar days past due. It appears that Ocwen 's logic does not comply with the FCRA requirement in XX/XX/XXXX that only has XXXX days this month. I made my payment on XX/XX/XXXX and they reported me as XXXX days past due ( XX/XX/XXXX would actually be day XXXX )

Company response to consumer: Closed
Consumer complaint received 01-07-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 my wife left me leaving me with a whole lot of debt that I was unaware that I had. My mortgage company, Ocwen Loan Servicing , LLC, offered to lower my payment. The company had impounded my taxes and insurance and I received a letter of tax lien from the county collector stating that my taxes were not being paid. I received a letter from the county and called my mtg. co they told me to disregard the statement it must be a mistake. I have seen many discrepancies in just the statements that I am sent monthly. I am now in the process to hire an attorney to help with understanding what exactly has been going on. My escrow account has been in the negative although I have been on time every month since I started paying the mortgage myself. There is a " deferred '' balance that has been fluctuating throughout. In 2015, I received a form XXXX of a cancellation of debt for XXXX in which I filed with the IRS but I was never forgiven of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since TRANSUNION REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XXXX. XXXX MY ACCT WAS FREEZED, IDK WHO DID THIS, XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: The debt collector for Capitol One bank ( XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because XXXX are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!

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 05-02-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Charged fees or interest you didn't expect

Complaint: Just because I got myself in a mountain of debt, that is no reason for a company to take advantage of me. The company already had me into it for a large loan, then it approved another loan on top of that. They charged me interest like they are loan sharks.  XXXX  loan states that I still owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. Another  XXXX  at the same company states that I owe them  XXXX  I know that I have borrowed no more than  XXXX  from them. I set up a direct pay from my bank to pay them every month from my checking account, and they still charge me a late fee every month even though I never miss payments. I am being taken for a ride.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (NV).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to work with our lender on a loss mitigation application. They sent us the application with a letter dated XXXX/XXXX/17 with instructions to return within 30 days. We submitted electronically and sent the original documents in overnight mail, we me the 30 day deadline. The lender can not confirmed that they received it. They now say they need 37 days before the sale date to review ; when I told them the letter gave us 30 days ; they said it would take 5-7 days to upload, but they would review. The sale date is XXXX/XXXX/17. We feel that this is illegally dual tracking to force us into foreclosure when we have submitted an application to try to bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX Card stolen - charges exceeded {$8700.00}. XXXX started harrassing me ; I hired an Attorney ; Filed a Motion in XXXX Court Case # XXXX ; settled out of court w/Agreement to pay only my balance owed at the time of Identify Theft Settlement XXXX XXXX, 2013 XXXX. XXXX reported XXXX XXXX reported {$8700.00} as my Income. I have Filed with XXXX Form XXXX w/Police Reports and documents of Person ( s ) who stole my Credit Card was unknown to me, XXXX Bank Credit Card # Stolen ; {$7500.00} credit Approved by XXXX Bank by XXXX XXXX a neighbor residing at XXXX XXXX XXXX, XXXX, GA XXXX ; Police Report Filed case # XXXX and XXXX XXXX Police Dept..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Credit line increase/decrease

Complaint: I had a company business card until XXXX 2015 when we mergered with another company. The new company I work for does not use company credit cards thus I have to use my own credit card for business expenses. I had made a {$2000.00} payment on my CITI Corp account to free up some credit line for my pending business trip on XXXX XXXX 2015. Payment was credited and I went to pick up my car rental when I was informed that the card would not accept the charges. I called CITI Corp and they advised me that they credited my account for the payment received and had also reduced my credit limit at the same time. I had not been advised prior to this that my credit limit was being reduced. I requested the payment to be refunded to me which they did less payment due for XXXX. Ever since then my statement shows that amount CITI corp refunded as the minimum payment due which I will not pay. I pay an amount similar to what I have paided in the past only to get phone calls stating I need to speak to someone concerning my account. When I do they tell me I still owe more as the minimum amount due for the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed :

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 10/15/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice of mortgage transferal ( selling my mortgage ) from XXXX. They are selling my mortgage to Nationstar Mortgage LLC. The mortgage sale will be complete on XX/XX/XXXX. It is now XX/XX/XXXX. Nationstar Mortgage LLC has NOT provided a service transferring notice as required by law. They are well known for making a disaster of people 's transfer paperwork, not paying insurance and property taxes out of escrow, and have horrible online reviews : unless you go to a site where they pay money to be 'verified ' ( i.e. - the site allows them to remove negative reviews ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out that my information was hacked after reading about it in the XXXX XXXX XXXX. Equifax made no effort to notify me and I still have n't been contacted directly. I 've tried to find out via Equifax 's website the extent of the hack, but could not find out any useful information. 

I 've put fraud alerts on my credit with each agency, and will continue to renew.

Company response to consumer: Closed with explanation