milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 have previously disputed incorrect information being reported on my credit report by Transunion. This company has yet to correct the errors on my credit report. They are continuing to report an address on my credit file that does not belong to me. I have sent numerous copies of my ID and utility. All the creditors listed on my credit report have my address where I reside.I have no open accounts with the XXXX XXXX XXXX XXXX Every time I call in to dispute this address, I am told by the representative that its being removed and my credit report will be updated. I have updated reports where this has been done but then its added again. I have even went as far as speaking to a US Special Handling Rep/Supervisor about this in which they processed my request. Secondly, Tranunion is continuing to report false information by categorizing three of my accounts as ADVERSE on my credit report.These accounts are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have talked with XXXX XXXX on numerous occassions and they have reached out to Transunion to let them know the accounts needed to be updated to current. I have two of the three letters that were sent to me by XXXX letting me know they have contacted the credit bureaus to update the information.As you will see on the dates of the letters these accounts were supposed to be changed to a CURRENT status and the deragatory information removed.This was done in an updated copy of a report I received from Transunion but then they changed the status again and NEVER notified me within the 5 day period. This is a clear violation of the FCRA! Thirdly, I have been disputing three unauthorized inquiries : XXXX XXXX X/XX/2016, XXXX XXXX X/X/2016 and XXXX XX/X/2016. I have had numerous fraud alerts placed on my credit report within the last year and currently because of unauthorized inquiries on my credit report. Transunion continues to report these with no valid tangible proof. The FCRA states that the only permissible purpose for pulling someones credit is : firm offer of credit, employment, court order and insurance. The above mentioned unauthorized credit inquiries are related to none of the aforementioned permissible and therefore Transunion needs to delete these.These are NOT FACTUAL STATEMENTS. I have contacted these companies that placed the inquiries and have not heard back from them.I am well aware of my rights as a consumer that are outlined in the 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 06/29/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview is issuing incorrect statements and applying my mortgage payment incorrectly. I pay my mortgage payment at the end of each month and include the late fee each month. The mortgage company does not apply the payment correctly and I have to call them EACH month to explain their mistake. I was a senior underwriters in the past and they are negligent on my loan servicing for over XXXX years now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Ive been totally XXXX since XX/XX/XXXX, Ive been paying 12 years and i still have another XXXX or so years left. my husband is now not working, we are receiving social security. My husband is XXXX military and just came home for good from working in XXXX for 5 years. Ive tried asking for some kind of relief, but they will not help. Please someone help me to get this debt discharged. Borrowed {$20000.00} and to this date i still owe XXXX approximately time started repaying was after my daughter graduated from college in XX/XX/XXXX. American Education services is the loan person Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In response to your CFPB I am sending you this. I am also filing this with CFPB. As you wanted proof and you did not include entire emails just what you chose to send. As stated XXXX did not even give me time to accept or reject the application as it was dated and sent by snail mail on XXXX/XXXX/14 and was not mailed out til next day. I did not receive it til after XXXX on XXXX/XXXX/14 I sent them an email directly after and called them and was told time had passed. This again was a violation from XXXX against the XXXX as you are to be given 14 days to accept or reject and they would not let me accept because it was after the XXXX date at XXXX so there was no time to go to bank, get notary and send. I tried multiple time to send in to agree and they refused. They purposely mailed late and then stated I did accept in time when there was no time given. Make sure you have the facts and I printed out all the emails and requests from XXXX which were obviously not used because it proves the violation right there. 

Here are the other items that you have continually not addressed as well and this is the 5th time requested. 
1 ) I have repeatedly requested a meeting with XXXX XXXX and he has never responded. To date I have left about XXXX messages with no response in past 3 months. I have yet to this date to ever have a phone conversation and have left numerous detailed messages and emails. 
2 ) I have never been allowed to access loan online and I have attached the copies of the about 15 times requested it locked me out as soon as I registered and has never given me access nor has customer service responded or helped. 
3 ) I requested appeal info from XXXX no response in 30 days and I sent in my own with tracking # XXXX ovenight. 
4 ) I have requested as per your email to have him send out another application which I will complete with higher earnings and I do not excessive obligations at all and my finances show that I can make a XXXX payment or higher and I requested other options such as repayment or forbearance and get caught up with extra payments within 6-9 months. 
5 ) So yes I am requesting a new financial packet ASAP and I have requested from XXXX but he has not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, we XXXX learned that our mortgage payment had almost XXXX in XX/XX/XXXX ( I think XXXX but we were n't notified. We have been making our monthly payment plus an extra {$50.00} each month, but suddenly we are some {$2000.00}. delinquent and facing foreclosure. We get multiple phone calls from a machine and XXXX notices each week, but when we try to reply, we leave a message and get no response from a human.. I have sent numerous letters also. Being retired and having a recent XXXX XXXX, I cant afford financially or physically to pay what they now expect. I feel threatened and scared. I do n't know what to do at this point. I NEED HELP. I want to keep my house and have made monthly payments for over ten years, and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: OCWEN LOAN SERVICING, HAS REFUSED TO RESTRUCTURE MY LOAN. THEY ARE ATTEMPTING TO FORECLOSURE WITH A ROBO SIGNED ASSIGNMENT. XXXX XXXX IS ACTING AS TRUSTEE FOR XXXX XXXX. THIS TRUST HAS SEVERAL PENDING LEGAL ISSUES. THE ASSIGNMENT WAS CONVEYED AFTER THE CUT OFF DATE OF THE TRUST ACCORDING TO THE POOLING AND SERVICING AGREEMENT IN SECTION 201 ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OFF DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Vehicle loan or lease (Loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (KS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or  any mail to let me know this. The person I spoke to just gave excuses.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX 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 09-07-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and XXXX XXXX is attempting to collect at least {$980.00}, a {$170.00} difference.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Transunion allows opening of personal web site accounts ( no other rating agencies do ). My ID was hacked from my previous employer. Fraudster then opened Transunion web account with my info and then ordered a credit report for TU promotional rate of {$1.00}. Transunion then recorded these transactions on my credit report. After numerous contacts to Transunion, they refuse to notate these on-line inquiries as fraudulent, they keep saying they do not matter. There seens to be a systemic issue with Transuion - number one - they should not offer persistent web accounts to individuals - since most folks would never open them and it seems like a perfect opening for fraudsters. Number two, they should allow notation on these inquiries that clearly show their fraudulent origin.

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 Credit card () with Alliance Data Card Services (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX claims open against Ocwen Loan Servicing , LLC that need to remain open XXXX, XXXX, and XXXX. On XXXX XXXX, XXXX I submitted a request for Appeal on my loan modification.offered on XXXX XXXX, XXXX. Since that time Ocwen has only answered some of my questions and has not since answered my appeal and provided me with a NEW loan modification. The questions that remain unanswered are as follows : XXXX XXXX, XXXX Ocwen Loan Servicing , LLC Attn : Home Retention Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fax : XXXX Email : XXXXXXXXXXXX In the Matter of : XXXX XXXX XXXX Account Number # XXXX APPEAL to Loan Modification offer XXXX/XXXX/XXXX 2. Your " OFFER '' is clearly beyond my means. 
3. There is NO WAY I can afford this payment. 
4. I SIMPLY do not receive enough income to manage my monthly FIXED expenses, OBLIGATIONS on top of the " PROJECTED PAYMENT '' Please explain : Please be aware that you have kept denying me a reasonable modification over the past 8 years based on the following. 

7. This is a XXXX loan and is ILLEGAL and TOXIC ( XXXX ) MIN : XXXX, Note Date : XXXX/XXXX/XXXX, Servicer : XXXX XXXX XXXX XXXX XXXX, Phone : ( XXXX ) XXXX " XXXX Court Rules XXXX Business Model is illegal '' ( XXXX ). 
( Documents attached ) 8. The US Government bailed out the BANKS and the SERVICERS where to notify the mortgage holders ; I received NO SUCH NOTIFICATION. 
9. I have read that CFPB filed a case and charges against OCWEN Loan Servicing for faulty practices. But you continue to do what you still do. 

Please use my correct financials moving forward. I would like to be issued a revised offer based on my TRUE and CORRECT, INCOME and EXPENSES and the ABOVE XXXX BULLET POINTS. 

As of today I am still waiting for a response back from Ocwen tp # XXXX. I also disputed this claim on case # XXXX which was not acknowledged by CFPB and uncertain whether that dispute was sent to Ocwen. THIS HAS BEEN GOING ON FOR 8 YEARS AND ENOUGH IS ENOUGH. OCWEN AND THE CFPB NEEDS TO GET THEIR ACT TOGETHER AND RESOLVE THIS ISSUE. 

I HAVE TRIED NUMEROUS TIMES TO GET AN UPDATE BUT MY CALLS ARE DIRECTED TO XXXX. I REFUSE TO SPEAK TO A PERSON IN INDIE FIRST OFF. THIS IS A USA ACCOUNT, I AM A USA CITIZEN AND I WAS BORN IN THE USA. ALSO OCWEN OPERATORS # XXXX XXXX AND OPERATOR # XXXX XXXX WERE RUDE AND DENIED TRANSFERRING MY CALL TO THE UNITED STATES. HORRIBLE CUSTOMER SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX     2017  and  XXXX   XXXX     2017  Asked for original Creditor and name but was told they could not give it to me. I then asked for a Validation letter but have n't received one yet. I talked to a representative by the name  XXXX . I wanted to get the original creditor name and address from this company because they would not negotiate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( Equifax, XXXX and XXXX ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( Equifax, XXXX and XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello Cfpb, I 'm yet complaining again simply b/c I feel like the process is being dragged out and that experian is not taking my file serious enough. I 've sent XXXX separate letters certified to them stating my claim and showing the ID crime report, providing drivers license, etc and I still have XXXX, still have credit acceptance, still have some large XXXX apartment complex, and some child suppport thing out of michigan?!? .. I would laugh because of the last XXXX ... My name is XXXX XXXX and what the police thought is that someone with a similair name is getting tagged to me.. not sure how the system works entirely but I need to get this handled asap. 2017 I do n't want to be messing with this ... I will if i have to but I 'd rather not. I did see a XXXX light bill show up as well which to Experians defense they have not had it brought to their attention. When I contact these places they simply instruct me to pay settlement and I refuse I 've compiled dates and responses that I can upload if needed if it will show my initiative. thank you, XXXX 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 non-monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I terminated a rental lease for serious medical reasons with the understanding, according to t heir contract ( Article 11 ) that they will work on renting the apartment as soon as possible. I agreed and offered  to pay the months the apartment was not rented but they refused. Instead, they decided on remodeling a property not in need of remodeling and doing so at the expense of the Tenant, which demonstrates the Landlords failure to reasonably mitigate damages and bad faith on the part of the Landlord.     I,  XXXX   XXXX   XXXX  understands the legal relevance of his lease ; however the duty to mitigate damages is in issue here. As indicated above, since the Landlord failed to mitigate damages and failed to place the property on the market. Thus  XXXX   XXXX , should not be liable for any amount alleged by the Landlord due to the Landlords failure to mitigate damages.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a request for a Security Freeze, because I am a victim of ID Theft to XXXX TWICE. I sent them a police report, proof of address, my drivers license and my social secuirity card. I sent the request certified mail and it was signed for on XXXX XXXX 2015 and XXXX XXXX 2015 by Experian.. They have not placed a security freeze on my file although the other XXXX bureaus did place the freeze with the same documentation.

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 03-06-2016 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (VA).
Issue: Managing the loan or lease

Complaint: I had opened a jewlery accout with XXXX in XXXX XXXX XXXX for the purchase price of XXXX, my wife was making the payments and the balance in XXXX XXXX reflected XXXX i called XXXX in XXXX virginia and they sent me a account history that had a begining balance of XXXX and my contract is clear. XXXX, we have over paid on the account and they wo n't talk to us or make restitution to the over payment and are still charging us interest. with a balance of over XXXX this is inaccurate and there are no stores left to speak to any live person and the office in XXXX wo n't talk or return calls/ emails. I have the original contract to prove my claims.

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