milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit agency has dropped my score over 140 points ( how do you calculate how much you are going to drop someone's score? ) over what they assumed was a open account with a delinquent payment. My student loans were in forbearence and the forberence expired but within the week the forbearence was renewed and I no longer had any missed payments. Please see the paperwork attached approving my forbearence. 

I also see they have not updated my credit card amount, as I've made payments as well. This is an awful thing credit companies do to people 's reports and I don't have anything but 2 things on my report, neither being delinquent or in debt collection, I have no idea why I would have a 400-580 below credit card. Please explain and fix this.

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 09/30/2015 about Debt collection (Mortgage) with Ditech Financial LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information on my 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Since  XXXX ,  XXXX  I have consistently requested that WFHM produce documentation ( proof ), that  WFHM has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus. WFHM has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting Act 1   5 USC S 1681i. It is the law that WFHM  produce a ( procedure in case of disputed accuracy ). Additionally I request a Promise to report payments in writing. As I have researched this issue, I have learned that this is common practice among WFHM, which in turn WFHM continues to fraud mortgage holders after a bankruptcy. WFHM  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for WFHM to 1 ) Produce documentation Under the Fair Credit Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loan after bankruptc  y  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 10/17/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I financed my vehicle several years ago through Ally Bank ( Dealer chosen, not by me ). I set up my loan to make auto debits from my checking account. I have never made a late payment or missed a payment. In between 2 of my regularly scheduled payments I mailed in Principal payments. When I checked the status online to make sure they were received I noticed they had marked some of the future payments as being paid. I called them up and made sure they corrected these payments because I wanted them towards the Principal balance only. They corrected this however they still removed interest from my principal payment. After several calls to Ally to correct this a rep finally said Ally removes interest from every payment even if it is a principal only payment. This does not seem fair. My payments were still made on time both before and after each principal payment.

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 09-08-2016 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Deposits and withdrawals

Complaint: I went to Bank of America to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Bank of America. 
I went to BOA at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been denied my credit report for the past 10 years and Bias information on my report is beibg used to deny me EMPLOYMENT, HOUSING, EDUCATION, Finacial loans. Persons within the United States Government have BLACKLISTED me due to my advocacy and have abused their authority to IMPEDE all CONSTITUTIONAL liberties

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My rights under Hippa were violated by XXXX XXXX XXXX XXXX XXXX. I have disputed such information many times with Experian Credit Bureau. Under XXXX XXXX XXXX do not have the right to access my medical bills, medical information about me without my consent. Experian has allowed XXXX XXXX to report protected health information to my credit report without proper investigation and blatant disregard for my rights under HIPPA. This is a violation of HIPPA Public Law 104-191. I have contacted both companies several times with no results. I have never granted or given permission to XXXX XXXX to view my private health information.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with P.M.B. Inc. dba Twin Tier Mortgage (WI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In reviewing my credit report, I found XXXX credit inquiries from companies I 'd never heard of in states that I do n't live. I 'd like these removed, and I 'm wondering why the companies were given my information in the first place. I 've called all of the companies and been told variously to either write a letter or that they could n't help me. Why did XXXX happen within XXXX days of each other this XXXX? I do n't own a house ; why are XXXX mortgage companies looking at my information? What is XXXX? Is that the same marketing group hired by both mortgage companies? If they 're only licensed in MA and NY, why would my information even be useful to them? 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX inquired after my credit. 

After googling, their name is XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX inquired after my credit. 

On XXXX/XXXX/XXXX, XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX inquired after my credit. 

And on XXXX/XXXX/XXXX, XXXX XXXX XXXX listed at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX inquired after my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I write this on Sunday XX/XX/XXXX several days after the announcement of the XXXX data breech. I have tried without success for the past week to register either a credit report freeze or a 90 day fraud alert with Experian because of the XXXX data breech. During the entire week of XX/XX/XXXX - XX/XX/XXXX the Experian web site has locked out the ability of consumers to submit either a freeze or a fraud alert. Their page locks into a page " loading '' condition which never actual loads in the page for a consumer to submit a request. 

I understand the uniqueness of the XXXX breech and the enormous load it likely put on the credit agencies systems. But XXXX and XXXX have been up and running for days at this point while Experian remains inaccessible. 

I have been diligent over the years in protecting all of my data. The fact that one of the agencies has had a catastrophic failure and that one of their associates has " locked '' out consumers needs to be investigated.

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 02/21/2018 about Debt collection (Other debt) with First Credit Services Inc. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I wanted to continue my membership, but had an issue with the account after a breach of my bank card. I called them to try to resolve the matter, but they were unwilling. I did not hear from them for months, when I did I asked that they send me a letter so the issue could be resolved. I did not receive a letter, instead they sold the debt to First Credit Services who contacted me at work.

I am not a difficult person to find, but I do not answer phone calls do not identify the caller, but will return a message if one is left with clear information as to who the person or organization is. Calling my job was not only embarrassing but completely out of line, since they really had not made adequate attempts to contact me by mail and email. 

I let them know I would be filing a complaint, and that they have ways of reaching me, but were in no uncertain terms to try to contact me at my place of employment ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have tried to freeze my credit report with Experian, but they require me to pay {$19.00} for their services that I do not want.

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 02/16/2017 about Debt collection (I do not know) with The CMI Group, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.

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 05/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Have no idea where the debt they are trying to make me pay came from but it 's not mine

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response from experian.

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 10/28/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Money was not available when promised

Complaint: This is about Western Union money transfer to another country. I sent a money transfer in XXXX XXXX, 2015 to a relative who is not very mobile and is easily tired. My relative went to the Western Union agent in that country and was told that there was an error. I called up Western Union and was told to cancel the transaction and that the money will be refunded to my bank account and to make another WU transfer. I cancelled the first transaction and made another transfer. For this XXXX transaction dated XXXX XXXX, 2015, my relative was told that there was an error but the agent can not tell what the error was. I verified with the Western Union here in the USA and was told that the money was ready for pickup and there was no error. I was told that my sister can go to the agent again XXXX! ) and to call the customer service in that country if my relative is not able to get the money. The service I used was the transfer in minutes using my debit card. Knowing the condition of my relative, I thought it is best not to use Western Union anymore. So, I cancel this XXXX transaction just now and ask for a refund. I am writing so that consumers know about this experience and that Western Union improves the services of their agents in other countries. Meanwhile, my relative and I faced inconvenience, wasted our time and agitated us.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery, Colorado? Collection Agency, asked them to send me snail mail about account. XXXX XXXX persists in calling and not leaving messages. I told him I was hard of hearing and could n't talk but should have gotten his address and contact info, but hung up on him. Persists in not telling me what account he is trying to collect both on phone and in mail. The credit card company is supposed to contact me and tell me what collection agency is being used. I never got one for this collection agency. Also, if the credit card company is going to have this on my credit report I should be able to pay them and not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: My daughter signed up on-line with Experian to look at her credit score. I gave her permission to use my credit card for the {$1.00} fee. The credit score was available for 7 days, however, if she did not call to cancel, you would then be automatically signed up for monthly monitoring at a cost of {$21.00}. I saw that charge on my credit card statement and thought it was just for the original credit score look-up. When I saw another charge the next month, I called immediately. Experian said that she did not contact them to cancel, so I was billed. Experian agreed to cancel the service and refund as a courtesy the second charge. They refused to refund the first month charge. I asked them to send me copies of exactly my daughter signed up for and copies of the terms and conditions. Experian said that they could not provide me with any printed documentation of what my daughter signed up for on line and could not provide me with any documentation of the terms and conditions when my daughter signed up.

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 07-12-2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I went to pay my mortgage up to date today XXXX XXXX 2015 at Chase Bank they told me they will not take my payment. I called the number they gave me they tell me I am in foreclosure. I just took the XXXX out of my IRA to get all up to date. They foreclosed on the XXXX XXXX 2015 and they are telling me I have to pay a Lawyer money now. Can you help me These people do not care for vets. They could have called me last week and I would have paid XXXXthem right away. I just could not get away I am a single Dad.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX, Navient put a delinquency on my credit report even though I paid on-time. The adverse record, caused serious problems with my other creditors, as my limits were taken away because they saw the delinquency. The removal of my limits, has dropped my credit score. On two occasions, they have gone on my credit report in error. Although one has been removed, it still continues to adversely effect my other creditors, because when they ran the credit report that month, it was listed on my credit. I was not late, I paid my payment, they lied and said that I was late. It is difficult to figure out exactly when my payment is due, and how much was due, so I called and was instructed by a representative on XX/XX/XXXX that as long as I pay my payment by XX/XX/XXXX, that I would be kept from being reported. He suggested that I pay sooner than that date, to avoid late processing, so I set up an automatic withdrawal set to post on XX/XX/XXXX. The money was removed from my account, but they still reported me to the credit bureau. Navient calls me day and night, and sends me letter after letter, even though I told them that I have been recovering from XXXX XXXX XXXX and can not even afford to pay for my prescriptions. I struggled to get the money together to pay them, and even when I did pay them, they still report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Struggling to pay mortgage

Complaint: It has come to my attention that Citimortgage was required to pay back some monies to consumers. When we tried to modify our mortgage in 2012 with Citimortgage we were unable to do so. Instead of helping us they sold the mortgage to XXXX a year later. Since that time we ultimately lost our home and any hope for ever getting another one. Our life savings were invested in that house. Can you share the specifics with us?

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