milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Unknown XXXX XXXX XXXX XXXX XXXX XXXX-multiple times XXXX XXXX-Unknown XXXX XXXX XXXX-Multiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-Multiple times under different names

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 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: on around XX/XX/2018 I received a call at work from bank of america telling me that someone wired money out of my credit card into a checking account in my name. I told them it wasn't me and I don't have a checking account with bank of america.the amount was approximately 2,400 dollars. well they did their so called investigation and denied it. next I sent them all the information I had. I included cards from the credit agencies proving I put a watch on my accounts. I sent them a letter from the IRS because I had contacted them in regards to someone filing for my income tax refund. The letter said they found no fraudulent activity. I sent them a letter from the post office stating that at the same time someone was trying to change my address to a place in Illinois and I reside in Pennsylvania. I gave them the address the Post Office gave me that they were trying to change my address to. i filed a police report, told them the officer I talked to and the incident report number.I faxed all of this stuff to them and today I got it looks like the same form letter denying the claim its like they never even looked at the stuff.I understand they don't like people like me that pay off there credit card bills every month. I have this card for 15 years me and my wife do.they left someone open a checking account in my name and they are blaming me. please help they are not interested in the truth.

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
Consumer complaint received 09-04-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Home Mortgage has declined my request for assistance under the HAMP program. I have an adjustable rate, negative amortization mortgage that they have refused to modify into a fixed rate affordable mortgage. Despite providing tax return documentation and current bank statements, they have incorrectly calculated my gross monthly income by at least XXXX They claim my housing expense exceeds the HAMP XXXX % guideline although based on the income documentation I have provided is is less than XXXX %. I feel they are taking advantage of my inconsistent monthly income flow that is common in my employment as a XXXX to keep me in a adjustable rate mortgage that currently has a 7.3 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was never given the credit for payment made on my student loan account in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX We caught them doing some questionable things at the beginning of this transaction. Please see attached previous CFPB complaint. Escrow is trying to close today XXXX/XXXX/16. A payoff demand was ordered from Carrington on XX/XX/XXXX. We were told we would have the payoff within 3-5 days. We have called in multiple times since then ( at least 6 total ). We have gotten a different story every single time we have called. One call we were told it would be 3-5 days. The next call we were told the request was closed out and the new time frame for providing a payoff would have to start over. The rep had no ideas why it was closed out. Then it was escalated again. Then we were told we would have a payoff within 24 hours. ( we never received it ) Then we were told we would have it by the end of business that day. ( we never received it ) Then it was escalated again. Then we were told it would take at least 10 days to get a payoff. We have never received the payoff demand. We have been told a completely different story every single time we have called them. This has been escalated multiple times, as well as cancelled multiple times within their system. As of today, they are now telling us we wo n't get a payoff demand until after the foreclosure date. 

Is the refusal to send a payoff demand Carrington 's version of retribution for filing the first CFPB complaint? Kinda seems that way ... .. 

We know that Carrington has no intention to allow a full payoff of this loan. They never did. They instead want to foreclose on this property and send it to their real estate division in order to keep the equity in this property for themselves and get paid a commission for the sale. THIS HAS BEEN THEIR GOAL FROM THE BEGINNING.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Auto) with AUTO TRAKK LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I DISPUTE THIS ACCOUNT WITH ALL XXXX CREDIT BUREAUS. THIS CREDITOR REPORTED IT AS ACCURATE AND STILL REMAINS ON MY CREDIT REPORT. I ASK FOR VALIDATION AND TO THIS DATE HAVE NOT RECEIVED ANYTHING. ACCORDING TO SC LAW UCC-5 AND STATE RISA AND MVISA STATUES A DEFICIENCY CAN NOT BE CLAIMED UNLESS ALL OF THE REQUIRED NOTICES WERE PROPERLY AND TIMELY GIVEN AND ALL OF THE ALLOWABLE REDEMPTION AND CURE TIME LIMITS WERE ADHERE. 
I ALSO ASK IF THEY WAS LICENSE TO REPO. THEY DID NOT FILE A POLICE REPORT AS WELL. 
I NEED THIS ACCOUNT DELETED FROM ALL XXXX CREDIT BUREAUS ASAP!!! IF NOT I WILL SUE $ 1000/VIOLATION!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MI).
Issue: Struggling to pay mortgage

Complaint: This comp any Mascarades as a mortgage company but is only a debt collector. They are rude, ruthless and very unsympathetic. We  became behind on our mortgage and when we tried to make a payment they wanted all our financial and personal information. We refused to give this information and tried to make a payment. When we refused our personal info they would not accept our payment and we were hung up on. We then made a payment thru there automated payment system receiving a confirmation code only to find out days later they cancelled the payment therefore charging us more late fees. After 4 months of struggling to get caught  up ( with no assistance from seterus ) and many harassing phone calls from them we finally got completely caught up only to be charged new " home inspection '' fees which were charged to our mortgage one day after being completely caught up. This is the worst " mortgage '' company and will definately be working vigilantly to get away from this company as soon as possible. I would rate this company as -10. They make it impossible to keep your house and make it very clear they are not going to 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 09/21/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/2018, I applied for a payday loan in the amount of {$1000.00}. On XX/XX/2018, the money was deposited into my account. On XX/XX/2018, I called Cash Net USA and told them I no longer wanted the loan and asked them to take the money back. I was told they could not take the money back and that I would still be charged a {$150.00} processing fee. I then made payments to the account to pay off the {$1000.00}. I made payments 4 payments in less than 30 days well before the amount was due. Even as I made payments, Cash Net USA continued to charge me fees a total of {$330.00}. I don't know how they came up with {$330.00} in fees. I don't owe any fees. If the amount of processing was {$150.00}, they owe me {$170.00}. I ask them to close my account, however, the account is still open. I was told that if there's no activity on the account, it closes automatically. In addition, there's an indication that a payment of {$100.00} is due on the account on XX/XX/2018.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: the XXXX derogatory reports were bills from hospitals due to a serious car accident XXXX. My lawyer had all the bills and was supposed to pay them. When these XXXX derogatory reports showed up on my credit report I paid them right away to preserve my good credit, as I pay all my bills on time 100 %, as my credit report shows. 
Yet XXXX derogatory reports are still on my credit report from XXXX and Equifax. XXXX eliminated them after I talked with them. It is very hard to get in touch with these XXXX reporting companies to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Credit card) with Financial Assistance Inc (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax credit was sent a dispute on XXXX XXXX XXXX, advising them that the information as far as the balance, last payment received and amount of payment were reporting incorrect. Since that time as of XXXX/XXXX/2016 equifax has placed this creditor with my creditors that were apart of the ChXXXXBK on XXXX/XXXX/16. This creditor was not among those being discharged, this debt was Reaffirmed. My payments are current and the information that was previously reporting should be added back to my credit history per first report attached below with the payments showing XXXX monthly, XXXX balance, all payments are current last payment XXXX/XXXX/2016. I have attached the Reaffirmation agreement from the BK, please update with the current balance of XXXX, along with correct terms to date from agreement. I 've also attached the previous report showing my auto loan showing the correct information on XXXX/XXXX/16 before equifax completed an error on my report, along with the new report on XXXX/XXXX/16 showing my auto has been closed and put under the incorrect status as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX mortgage which XXXX XXXX XXXX took over. SLS then took XXXX XXXX XXXX. From the day they got control. They have been adding extra fees to my bill. I have talked to them and they would never give me the proper answer. and the finally they started to show that they were late fees and that I was not paying my bill on time. When they called me they were always rude and did n't want to listen to me. Please ask to stop unacceptably calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  equifax mortgage services i have called varies times since  2015  i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or apply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with TekCollect Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: TEX Collect Inc : Request a payment of {$140.00} which was covered by dental and health care insurance. This company has repeatedly wrongly place this on my credit report without any notification or knowledge that it was placed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (PA).
Issue: Settlement process and costs

Complaint: PNC Mortgage and PNC Bank held the 1st and 2nd mortgage on my previous home. We settled on a short sale with both entities in XX/XX/2013. PNC Bank is still reporting our balance due on mine and my husband 's credit reports preventing us from obtaining a new mortgage so that we can move on after the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After noticing the debt on my credit report, and noticing my credit report also states I have made a payment to Convergent and I have NOT, I sent a letter to XXXX XXXX ( here on out referred to as XXXX ) via XXXX requesting debt validation. 

A request was made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. As stated in the law, XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter, or phone call from XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report, and more than 1 month since I requested validation.

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 05/24/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am on XXXX medicaid- this charge was covered and was reported to the clinic and to the collection agency that it needed to be billed- since they did n't bill in a timely manner before the 1 year it is not my responsibility to pay this for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Public Title Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: On XXXX XXXX 2017, I was given a HUD report by a closing agency, XXXX XXXX XXXX, XXXX. This information was to be given to me three days prior to the closing of my home, but was only given to me the morning of closing. In the report there was one very large loan in the amount of XXXX missing, which I could have caught if I had the report in time. The closing company also gave an Attorney my settlement information which I asked that they not do. The attorney ended up getting most of the settlement. I had given the closing company all of my loan numbers two months prior to the closing date, but this one large one was overlooked. I was contacted by the company and wired the money back to them. I asked at the time if they had error and ommissions insurance and they said no. They then contacted my mother and harassed her in making sure I wire the money back. My mother is in the XXXX XXXX business. When I asked my seller Agent about the HUD paperwork prior to closing on three different occasions, she stated that she never gives the HUD to sellers, only buyers. Her name is XXXX XXXX of the XXXX XXXX branch of 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