milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Very briefly, Transunion failed to reasonably investigate two disputes XXXX credit report errors I submitted on XXXX XXXX, 2017. 

Dispute 1 : Billing error by XXXX XXXX XXXX, due to failure to send bank statements, which is legally defined as a billing error in 15 U.S. Code 1666 ( b ) ( 6 ). 

Dispute 2 : XXXX XXXX prevented me from making a timely payment to *them* ( by temporarily blocking my checking account, which I needed to use to pay their credit card bill ). Then they reported the delinquency that they themselves caused. 

The detailed events are all articulated in the attached letter to CFPB ( " XXXX '' ). I have also attached my original statement delivery instructions ( " XXXX '' ), and the original dispute to Transunion ( `` 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 12/30/2017 about Debt collection (I do not know) with Weltman, Weinberg & Reis Co., L.P.A. (PR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personally identifiable information was compromised by the recent Equifax data security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (AE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Other bank product/service) with EQUIFAX, INC. (FL).
Issue: Account opening, closing, or management

Complaint: Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 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: Was not notified of investigation status or results

Complaint: Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in early XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding TRANSUNION : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from TransUnion of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from TransUnion via CFPB : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information will be verified or updated accordingly and the results will be forwarded to you for review. In order to preserve your rights under the FCRA, we have opened an investigation into the disputed item and contacted the source to advise them of your dispute. They will verify the accuracy of the item and inform TransUnion of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX for frequently asked questions about your credit report.

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 10/27/2017 about Debt collection (Medical debt) with Receivables Outsourcing, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received two letters in the mail attempting to collect {$35.00} each for XXXX XXXX XXXX. I do not owe these amounts. 

XXXX XXXX attempted to invoice approximately {$350.00} in XXXX 2017. Due to medical malpractice ( the bills were the results of inappropriate prescriptions, a XXXX XXXX XXXX XXXX by mistake causing XXXX, resulting in ER visits, invalid diagnosis from physicians of an XXXX when I had 2 XXXX ). I contacted XXXX XXXX  's billing department, who agreed to remove all charges instead of facing me in court for malpractice. XXXX XXXX XXXX legal attorney 's ( the XXXX XXXX in Kentucky ) were informed of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a XXXX mortgage, serviced by Nationstar. For the past year I have had the property listed with a realtor, to sell as a Short Sale which was approved by XXXX. My realtor has a prospective buyer but we are running into extreme difficulty. A valuation was placed on the property, by Nationstar I believe, that is high for what the property has to offer, and the condition that it is in. I have submitted pictures, repair quotes, and a CMA to document the high valuation, but Nationstar is telling us that they wo n't review it. XXXX has given Nationstar free reign to do what they want, so consequently they are not reviewing pertinent documents and informing XXXX. Nationstar is trying to force me into a foreclosure even though there is an offer on the table that is very reasonable, XXXX that brings 94 % of the CMA value to the investor. And if we factor in the repair quotes of nearly {$10000.00}, the current offer brings 98 % of the CMA value! We are finding it difficult to comprehend that the investor would turn down such an offer if they were fully aware of it, which they wo n't be if Nationstar does n't review the documentation we are submitting and shares it with them! 

My realtor has been going back and forth with Nationstar and XXXX trying to find someone to give a serious look at the documentation that I have pulled together to refute Nationstar 's valuation, but is getting nowhere. They feel that working through XXXX does n't get them to someone who will actually take a real look at the case. THERE IS A FORECLOSURE SALE SET FOR XXXX XXXX, 8 DAYS AWAY. Both my realtor and I continue to try make headway, but Nationstar refuses to bring this to the attention of someone who will take a serious look at the documentation that shows their valuation is high. And XXXX agents are n't getting either of us to someone who has the authority to get involved and take a serious look at the valuation. I do n't think they are aware that Nationstar is pushing this property to foreclosure when there is such a good offer on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter  XXXX  and are open accounts that should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX/XXXX/16 I attempted to temporarily lift a credit freeze online with Equifax. The cost of this was {$10.00}. Equifax debited my account a total of 22 times for a cost of {$220.00} and the creditor XXXX XXXX XXXX was never able to view my credit report. When I called Equifax on Monday, XXXX/XXXX/16 I was told the pending charges on my account would not go through. Today, XXXX/XXXX/16 there were XXXX individual transactions to my account for {$10.00} each totaling {$220.00}. I called Equifax and spoke to an manager, who refused to provide her name and only an employee number of # XXXX. She informed me that the department that could issue me a refund " does not take calls ''. The employee that I spoke to previously provided the information that they would not be able to refund my account for ten days. In short, Equifax has stolen {$220.00} from me and is holding on to that money with the excuse of some kind of process that prevents them from returning it. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The wrong address in XXXX of my reports I have never lived at

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Consumer Loan (Vehicle loan) with Modern Finance Company (CA).
Issue: Taking out the loan or lease

Complaint: I purchased a used car in XX/XX/XXXX I was supposed to be done paying it off in XXXX XXXX. The company says my loan has matured and I am now being charged XXXX dollars a day until its payed off. I also am not able to view my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am unemployed and have issues making my student loan payments and I was never even offered an income driven repayment option. They always told me forbearance was the best thing and that 's what they 're me up on. Now my increase of my student loans are through the roof. I have a husband,XXXX children, XXXX step children. I do not have the funds to pay them unnecessary fees especially when I was n't even offered a better option. They have used forbearance for me so many times. I do. It work right now it is hard. I do n't want to keep getting forbearance and accruing interest just because I can not pay right now.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.

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 10/25/2016 about Debt collection (Medical) with CONTRACT CALLERS INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX are trying to collect a debt which I do not owe. They are trying to collect a debt under two different account for the same company. I told the company that all debts and claims for XXXX has been fully resolved. They closed the 1st debt for this company however they are refusing to closed the other debt they claimed I owe for the same company. I sent a dispute letter on XX/XX/XXXX requesting further verification and proof within 30 days, today XX/XX/2016 I still have not receive this from the debt collector or confirmation that it has been closed.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: stuff i just found on my report attach i file with XXXX police dept

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (TX).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.

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 Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for two years to sell my home. It is a toxic asset and needs to be let go at a short sell at the very least. I also qualify for a deed in lieu due to relocation, which I have twice been denied. I finally have an offer on the home ( first offer in two years ) and was again turned down by Ditech. 

I have received absolutely no guidance from this servicer on how to handle this home. I have stated repeatedly I am out of time, money and options and need help. Nobody wants to listen because up until very recently I was able to keep the mortgage current. Now I 'm behind and they finally want to talk, but only about my statement. They do n't want to talk about how to get rid of this property. 

There is an offer on the table. They refused to be of any help in finding out what I need to get XXXX to accept the offer. I 've only been able to speak with my actual account rep twice and she was of little help XXXX times. I ended up bypassing Ditech entirely and contacting XXXX directly where I learned about an additional resource to escalate the process of a short sell. I repeat - there is an offer on the table and Ditech was of no help in getting XXXX to accept it. 

To say Ditech has been a terrible communicator would be giving them a lot of credit. I am done playing games with them.

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 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am having trouble XXXX my mortgage company, Nationstar. 
I am accusing them of purposely losing payments so they can charge me late fees and make me lose my home. They lose notes, comments, communications, written paperwork ... thye force place insurance when you have it paid in advance for one year just so they can tag a premium delinquency on your acct ... ... thereby putting all of your now " short '' payments into a suspense account ... .this now goes on your credit as delinquent payments. I pay my own insurance myself, yet they say they have paid it since they have had my loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: had someone hack my debit account around XXXX pm on XX/XX/XXXX I attempted to call the bank. Instead of receiving help, I was put on hold whilst the thieves were still trying to steal my money. Therefore, I reported my card stolen to stop them. I called the bank the next morning. They said they were issuing me another card. I talked to someone at BBVA Compass on the phone on XX/XX/XXXX who told me someone copied my card from a gas pump. I received my new card on XX/XX/XXXX, but it wo n't activate, because the bank says they have closed my account, and they wo n't give me my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Using a debit or ATM card

Complaint: I recently lost my debit card and got my replacement on Friday ; then I activated the card on Friday. Then Sunday before I had a chance to update recurring charges with my new debit card number, XXXX emails saying thank you for the payment and showed my new debit card number. I never gave XXXX my new account number Wells Fargo released my number without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I called SunTrustin order to find out my balance and was told that I still have {$90.00} in my account. So i charged {$63.00} and incurred two overdraft fees because the {$90.00} was apparently incorrect.
could you help in this case?
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 monetary relief