milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 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: DISPUTE LETTERS WERE SENT TO XXXX FOR {$15000.00}, XXXX XXXX {$110.00}. AND TRANSUNION XXXX XXXX AND XXXX AND TRANSUNION AGAIN XXXX XXXX. XXXX AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO TRANSUNION XXXX XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR XXXX WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XXXX XXXX XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) XXXX HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND XXXX RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS

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 07-07-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: There was a period of time when I was supporting myself and my husband on a single income ( he was unable to find work ), making less than $ XXXX/yr for XXXX people, trying to pay for rent and food, and was unable to pay my student loans. The company did not provide any other payment options for me and I gathered compounded interest for over a year!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Transunion and requested all these unauthorized inquiries on my credit report to be removed customer service would not help me on this matter and stated that i am at fault that theres nothing they can do. I am requesting to have my inquires deleted from my credit reportXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX-XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A credit report prepared for me by a bank lists the following factors that adversely affected my credit score with Equifax : PROPORTION OF BALANCES TO CREDIT LIMITS TOO HIGH ON REVOLVING ACCOUNTSTHE NUMBER OF INQUIRIES HAS ADVERSELY AFFECTED THE CREDIT SCORE '' Proportion of balances to credit limits too high on revolving accounts '' is a problem because I believe " revolving accounts '' means " credit cards '' of which I have XXXX. I have no credit cards whatsoever and have never had a credit card at the time of this complaint ( XXXX/XXXX/2015 ) '' Number of inquiries has adversely affected the credit score '' is extremely frustrating, because I 've had perhaps a total of XXXX inquiries in the last year. XXXX for mortgage pre-approval letters from XXXX ( the XXXX expired before we found a house we wanted ), another for another lender when we were checking our options for mortgages, and finally I checked mine for the first time ever today with nationalcreditreport.com, which was only able to retrieve information from XXXX. Equifax and XXXX did n't report. 


My social security number is very similar to my younger brother 's, and as far as I can tell his information is showing up on my report. I have similar problems with XXXX but was able to file a dispute with them. I attempted to file a dispute with Equifax but it asks me XXXX questions about my credit report, I click " none of the above '' because I do n't have credit cards or home loans ( which the questions are about ) and then it tells me it wo n't continue because my answers do n't match the ones it expected from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote Transunion,  XXXX , and  XXXX  in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd  party is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please help.

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 12/21/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I contacted a USAA loan officer for a quote on VA 30 year fixed rates. I informed him I was shopping around for the best rates on VA loans, at which point he informed me that all VA home loan rates are standard for lenders, giving me no reason to shop around. This was my first time using the VA home loan and technically my first time purchasing a home. I come to find out later that VA home loan rates differ from lender to lender. I discussed the issue with his manager, and he said there is nothing they can do. I asked him to review the recorded conversation. He said it was n't recorded, apparently it is a random process for which calls are recorded. Any assistance in resolving this issue, even if it is simply holding them accountable on some level. This has severely impacted my family and possibly the selling family as well during this home buying process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with NELNET, INC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for.

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 10/20/2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX other addresses not associated with me and names

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Suburban Credit Corporation (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX to dispute the collection ( {$490.00} ) XXXX Submitted online dispute to XXXX XXXX {$490.00} ) XXXX Sent letter to Suburban Credit Corporation to dispute collection ( {$490.00} ) XXXX Sent letter to XXXX that neither collection agency had verified the collection ( {$490.00} ) XXXX Submitted another online dispute with XXXX ( {$490.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It appears my ex husband whom I got divorced from XX/XX/XXXX has been taking out credit in my name. I have been living back in XXXX since XX/XX/XXXX so I have not taken out a mortgage, store card or bank card in the U.S.A. in that time and yet Equifax wants information on all these types of loans to verify my identity for a free yearly credit report. 

Your VerificationNow we just need to make sure that you are really you. These questions are based on information in your file, and only you should know the answers to them. 

Your credit file indicates you may have a mortgage loan. Who is the credit provider for this account? 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX & XXXX XXXX OF THE ABOVEWhat is the total monthly payment for the above-referenced account? 
{$670.00} - {$770.00} {$770.00} - {$870.00} {$870.00} - {$970.00} {$970.00} - $ XXXXNONE OF THE ABOVEYour credit file indicates you may have a retail card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX, XXXX, INCNONE OF THE ABOVEYour credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX XXXX XXXXNONE OF THE ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is an invalid student loan account. The amount and information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient contacted me in XX/XX/XXXX and told me myou loans would probably be forgiven if I filled out the paperwork they were going to send me. I asked them 3 times on that call if I should at least pay my past due so that my tax refund would n't get taken. They said do n't worry about anything, your loan will be on hold until XX/XX/XXXX this way. Just fill out the papers. So we did, we filled the papers out and sent them back in. We sent them in XX/XX/XXXX. They said we had to send them before XX/XX/XXXX. We did everything ahead of time. We filed taxes and they took our entire refund due to me being delinquent. I have a paper right now that says my loan is still on hold but I do n't have my tax return! I 'm XXXX, my wife had to file injured spouse, the whole refund was hers anyway. My XXXX court date is XXXX XXXX. I have a totally legitimate complaint against Navient. They consistently lie. I never asked for forgiveness. I bet we probably qualified for one of those Income driven Repayment plans too! My {$4000.00} loan turned into {$8500.00} somehow! They are crooked, liars and they 're stuck up on the phone usually. Like I 'm not good enough! Now the loan is totally paid off but we ca n't pay any bills at all right now because they took every penny! We were counting on that refund. My wife is in school because she has to make up for my missing Income. We are broke because of Navient! They 're evil!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (OR).
Issue: Deposits and withdrawals

Complaint: I have a Health Savings Account that was levied due to a debt I have with Cache LLC. They levied my hsa account and Wells Fargo allowed them to do so knowing that the account is an exempt account from any debt levy in the state of Oregon. This is the second time that this has happened and I went to court the first time and the judge ordered in my favor and all monies had to be returned. Wells Fargo has a fiduciary responsibility to not allow this to happen. This is not only a financial burden for me, it has also hindered me in paying for my children 's dental and medical bills. Wells Fargo has caused me a financial hardship when this could have been avoided to begin with. It is unacceptable for Wells Fargo to be this negligent when the Law is clear regarding these types of accounts.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX data breach and identity theft. The following account, collection account and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried to get the free credit report from TransUnion but their website has indicated it will not send it to me and gives me no option for addressing or resolving their decision. Additionally the site would give it to me no problem if I pay them {$22.00}. Is n't this a violation of the requirement for these bureaus to give the report free?

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 06/29/2017 about Debt collection (Other debt) with Coulter Dove & Harris, PC (VA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Reference to account : XXXX I file a complaint against the company about the debt. The company is being technical stated that XXXXI did not put both account number on the complaint of the same deb tto be removed.. They only removed one account. The account number XXXX still remain on my account. The case was handle in court : I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that XXXX XXXX sent the collection to XXXX XXXX by mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by XXXX XXXX at XXXX XXXX that the complaint was not for both accountXXXX XXXX XXXX XXXX XXXX have file a garnishment for $ XXXXthe amount of the judgment by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: In 2016 I requested a loan modification from my lender/servicer Ocwen Mortgage. They indicated that because I had received a modification from my previous lender XXXX XXXX that I was not eligible. I submitted Income information that thoroughly proved that more than 45 % of my income was going to my PITI payment. I went on to ask that at the very least i would welcome for either interest payments to be suspended being that my rate is well above market ( 5 % ) or that principal payments be stopped for the time being and again they denied my request. I have consistently been more than 80 days past due, but under 90 in order to avoid foreclosure and I feel like they are just waiting for me to bury myself. I have been in this home for over 18 years. PLEASE help ME!!!! XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: I set up an account with Synchrony bank through Amazon.com. I set up recurring payments on this account so that the entire balance would be payed off each month on the statement date. 

Two weeks after a recurring payment was set to go through, I check my balance and see it is far higher than I had expected. It appears the last recurring payment had not gone through and I had been charged both a late fee and interest. 

The only communication I had received from Synchrony during this time was an email on the day after the payment was scheduled informing me that a payment had been posted. At no point was I informed that the payment had not been completed.

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