milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 reached out to Experian and  XXXX   XXXX  to get the information on my credit report updated and accurate. I asked for them to please send me verification of the debts I am contesting according to the Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), yo ur company is required by federal law to verify - through the physical verification of the original signed certified consumer contract. I received letters back that they had verified them but I did not get any documents with signatures or proof in regards to these debts.

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 08/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ACCOUNT IS NOT MIND INCORRECT INFORMATION 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 05/25/2017 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband received a prequalification letter in the mail from XXXX XXXX of Quicken Loans for a VA Mortgage Refinance. Allegedly, we could refinance our loan " with a VA loan at a low, 15-year fixed interest rate of 3.25 % ( 3.836 % ). '' However, our current mortgage is not a VA Loan, which I know is a requirement of qualifying for a VA Interest Rate Reduction Refinance ( IRRR ) loan. Additionally, neither my husband nor I, are veterans. I found this letter to be very deceitful and unfairly misrepresents a government program.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2016 I mailed a " certified mail receipt '' letter to the Annual Credit Report Services, XXXX. XXXX XXXX, XXXX, GA XXXX. In this letter I requested each of my credit reports, and provided documentation of denials of credit that I received after attempting to purchase a vehicle for my grandson. My letter was explicit and there should not have been any problems with my request. I provided all of my contact information. 
As of today, XXXX XXXX, 2016 I have not received a response from this agency and I am concerned about identity theft. I gave them so much information as a means to identify the validity of my request. 
This morning, using the tracking number of my certified mail receipt, I was alerted that my letter was delivered at XXXX., XXXX XXXX, 2016. This is unprofessional, to say the least. 
I have in the past had similar issues with them. It makes me extremely suspicious, because I am disclosing so much personal information that can be used to steal my identity. 
AUTHORIZATION : I have checked the box below. However, I DO NOT WANT MY NAME published. 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 explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TRANSUNION : THIS DISPUTE DOES NOT GIVE YOU PERMISSION OR AUTHORIZATION TO PUT ANY KIND OF EXTENDED FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT. I AM ASKING FOR VERIFICATION OF XXXX LINE ITEMS ON MY CREDIT REPORT THAT I SEE FROM A NEW UPDATED REPORT THAT I RECEIVED TODAY FROM YOU. SECTION 609 OF THE FCRA ALLOWS ME TO ASK THAT YOU AS A CREDIT BUREAU SUPPLY ME WITH PHYSICAL PROOF OF WHAT YOU ARE REPORTING IS ACCURATE, COMPLETE AND VERIFIABLE. YOU HAVE BEEN UNABLE TO DO SO WITHIN A 30 DAY PERIOD SO NOW I MUST FILE THIS COMPLAINT. THE FOLLOWING ARE TO BE REMOVED IMMEDIATELY AS THEY DO NOT MEET FCRA GUIDELINES. 

1. XXXX. THIS AGENCY IS TELLING ME THAT THE RENTAL LEASE FOR XXXX XXXX IS UNDER XXXX XXXX NAME BUT YET YOU ARE REPORTING IT ON MY CREDIT REPORT. IF YOU HAD THE ORIGINAL CONTRACT AS YOU ARE SUPPOSED TO YOU WOULD SEE THIS. I AM DEMANDING THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS YOU DO NOT HAVE SUFFICIENT PROOF THAT THIS IS A LEGIT ACCOUNT LINKED TO ME. 

2. XXXX. YOU ARE REPORTING THAT I WAS DELINQUENT ON THIS ACCOUNT XX/XX/2011. THIS INFORMATION IS INCORRECT. THIS PARTICULAR ACCOUNT HAS BEEN IN A FORBEARANCE STATUS FOR YEARS. YOU ARE TO SHOW SUFFICIENT PROOF THAT I WAS INDEED LATE. IF YOU ARE UNABLE TO SUPPLY ME WITH PHYSICAL PROOF I AM REQUESTING, NO DEMANDING THAT THIS ACCOUNT REFLECT AN OK STATUS FOR EACH AND EVERY MONTH THAT YOU HAVE LISTED. YOU ARE INCORRECT THAT I WAS EVER LATE ON THIS LOAN WITH THE FEDERAL GOVERNMENT. SIMPLY SAYING YOU HAVE VERIFIED BOTH OF THESE ACCOUNTS DOES NOT MEET FCRA GUIDELINES.

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 12-01-2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have tried to call your customer service, but after waited for 45 mins listening to music, I was told this is how BOA does things. So I have no choice but come to CFPB. <P/>I withdrew all my remaining money from BofA Core Checking account ( account # XXXX ) and closed it. The balance was shown as XXXX. When I closed this checking account with an agent on the phone, he told me it 's all set and my account is closed. <P/>Then I kept receiving paper statement from BOA every month, as if I still have this account open ( refer to attachment ). Balance shown on the statement is XXXX every month, of course. <P/>This is the same experience when I tried to close a BOA credit card which has XXXX balance as well. It took me 2 years to finally get off those statements and email communications BOA kept sending me as if this credit card was still open. This type of practice is confusing and disgusting.

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 10-03-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (ND).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.

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 01-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Chase Mortgage XX/XX/XXXX to provide new account information for my mortgage auto payment. I completed the form and faxed it back the same day I received the form. I spoke with an agent who confirmed the payment would be taken from my new account on XX/XX/XXXX. On XX/XX/2016, Chase tried to take the money from my old account and I incurred a {$29.00} fee. I called Chase and they said I needed to complaint the form again and they would not reimburse me the {$29.00} fee. I tried to write a complaint to their executive office but after 10 minutes of trying to locate the information on their website with no success I gave up and filed this complaint. Chase screwed up and did not take the money from the right account and now I 'm charged an overdraft fee that I would never incurred if they had not screwed up. I think it is horrible customer service to not reimburse the fee for there mistake. Why should pay {$29.00} when I did everything right. I contacted them in more than enough time for the payment and even spoke with someone to confirm the new payment information. Now they want me to complete the form again. What kind of confidence should I have that it will bec completed this time and I wo n't have this problem next month. Horrible horrible customer service. I want to reimbursed my {$29.00} fee for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
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: WFDS  -  XXXX  Tried to get late payment off of  XXXX  credit reports record because this account has been closed as a charged off for years and I am not liable.

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 11/15/2016 about Debt collection (Credit card) with Alliance Data Card Services (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Around XXXX 2015, entered into the XXXX credit hardship program for a length of 12 months. During the phone call with the collector, they stated my debt would be settled after 12 months of on time payments of {$14.00} a month. I specifically asked them if the debt would be discharged after 12 months and they responded in the affirmative. On XXXX of this year, after making all the agreed payments, I called them about why the debt had not been discharged, and they stated I had misunderstood what the agent had said about my debt being discharged and it was a common problem of people in the hardship program. I stated I had the original contract sent to me by them as well as a transcript of the agent telling me they would discharge my debt. After putting me on hold they stated they would review the original call from XXXX of 2015 and get back to me in 5 business days with there decision. I asked if they would discharge the debt as agreed upon and they stated they would not, they would do only what they could as outlined in the paper agreement, not what was verbally agreed upon. I stated I wanted to settle this matter now and I would pay the remaining balance on the statement, barring the removal of the late fee 's they had charged me. I did not want to go to court over such a small amount and they made it sound like this would be something they would go to court over as it was a 'common mistake made by there customers over the hardship program '

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XX/XX/XXXX I paid off a collection in full to rent recovery solutions acct # XXXX** and I have proof of receipt. I was told by the collection agency that this collection would be removed / updated as soon as this debt is paid off in full. As of XX/XX/XXXX the debt was removed and then later placed on my credit report again, I disputed the item again and it was removed on XX/XX/XXXX. I have proof of both removals. I was not notified in writing within 5 days of placing this debt back on my credit report. This is a violation of FCRA. As of XX/XX/XXXX I pulled my Equifax, XXXX credit report and I saw that this account was still reporting as a negative item on my correct report and is affecting my credit worthiness. This account was permanently removed from XXXX, so I contacted the collection agency and I was told that they stop reporting this paid in full debt to credit bureau as of XX/XX/XXXXand that I needed to contact each credit bureau that it was being reported to. so I contact each bureau that 's its reporting on in writing and I received a letter from Equifax stating this information has been verified and XXXX just sent out a credit report showing remained. This item could n't have been verified because agency stated that they stop reporting this item back inXX/XX/XXXX and it was already removed from XXXX .I am asking that this account be deleted permanently asap.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX we were moving to XXXX from Fl. and we were trying to set up XXXX XXXX XXXX XXXX while traveling back and forth. First we were told that we could not get XXXX and just ordered a phone from a XXXX and/or XXXX in XXXX XXXX ( XXXX ) to be installed on XXXX/XXXX/XXXX and we picked the number ( XXXX ) XXXX. XXXX or XXXX called back the same day and said that we would be able to get phone, internet and XXXX, but that by getting the combined package the number we picked would go away and the installer would give us a number upon installation. The new number that was installed is ( XXXX ) XXXX and we have paid for that number every month since installation. We received a bill dated XXXX XXXX, XXXX for {$68.00} for the number not installed. Called customer service, got XXXX ( ID XXXX ) in the XXXX and he stated to disregard. Between then and now we have also spoken with XXXX ID XXXX in XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX and she said it shows no service for that number and will send to a supervisor to cancel and would call back-no return call came-the bill has escalated to {$160.00} and for some strange reason late charges and long distance credit removed and the last bill we received was {$140.00}. We also contacted XXXX ( XXXX ) XXXX ) ID XXXX on XXXX/XXXX/XXXX who again cancelled everything, but the bill came again with a threat of collection company and reporting to the credit bureau which could damage our credit rating. I posted a comment on XXXX & XXXX XXXX page in early to mid XXXX and shortly thereafter XXXX called and said to give her to Saturday to get it taken care of. We have n't heard from XXXX since. 
On XXXX/XXXX/XXXX we received a call from Gatestone XXXX XXXX ( XXXX ) and we explained the bill was bogus and they should never call us again.

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 12-05-2017 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: Old information reappears or never goes away

Complaint: Transunion reporting 90 day late payments on two accounts beyond 7 years. Late payments from XXXX reporting on accounts. Please see credit reports attached.

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 07/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: I was not informed by XXXX XXXX XXXX that my mortgage was sold to Nationstar Mortgage Company. The only way I found out was to call XXXX when the payment was deducted from my autopay. I have since had extremely poor customer service from this mortgage company. They are now charging me fees that are not legal under my HUD contract with XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Mortgage) with Seterus, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Seterus continues to harass me and while I have asked for legal verification of their role as a servicing company to my mortgage and also legal documentation of Fannie Mae 's ownership of the loan, they have provided neither. I 've received hundreds of pages of documents and the only related thing was from XXXX which XXXX does not own the loan and also was n't able to provide the same documentation I 'm asking for now.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
<P/>
Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
<P/>
Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was contacted by mail on XX/XX/XXXX by the law firm of XXXX and XXXX. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XX/XX/XXXX and on XX/XX/XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts XXXX and XXXX and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion " verified '' collections with XXXX, however, I have provided proof to both XXXX and Transunion showing this is not my debt. XXXX has removed all entries on my credit reports on XXXX and XXXX, but failed to remove these entries from Transunion.

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