milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have over 42 inquiry on my credit reports with all 3 reports.

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 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is mis reporting to Experian a collection that is 7 years old. It is a reporting a balance of {$500.00} with a date of last activity of XX/XX/XXXX in error.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent  XXXX  certified letters to each reporting credit bureau agency Equifax,  XXXX , and  XXXX  on  XXXX  separate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record  information removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record  is making it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have this  Public Record  removed from all  XXXX  of the credit bureau reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: OCWEN Loan Servicing, LLC states that they are in the business of helping homeowners as they claim on their website 'Helping Homeowners is what we do! '. Frankly, They are in the business of screwing homeowners like myself and denying me any opportunity for a loan modification.
I request a loan modification from OCWEN, h  owever, they have wrongfully denied my request every time, including the most recent denial letter dated  XXXX   XXXX ,   XXXX   from  OCWEN 'S Escalation Department. I submitted the Request for Mortgage assistance package ( RMA ) for evaluation under the HAMP Tier I and Tier II with all borrower and non-borrower 's income and expenses. OCWEN has failed to evaluate the applicatio n for mortgage assistance based on the reported income ( borrower and non-borrower ) and expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with NCC Business Services, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Bank account or service (Checking account) with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with CCS Financial Services, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The collection has been paid in full. I was sent a " settlement notice '' via mail and paid it in full. On my credit report it reflects open and also with an incorrect ( the original collection amount. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Deposits and withdrawals

Complaint: Someone deposited counterfeit into my checking acct. and the bank honored them. The money was withdrawn the same day. They are holding me responsible for all monies withdrawn. They subsequently closed y account and say I owe them XXXX plus dollars!!

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 07/21/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXX To Whom It May Concern : Please note that I was unaware that BOA had sold my mortgage to you in XXXX XXXX. The first phone call I received was XXXX XXXX, XXXX asking for me to call XXXX Mortgage at XXXX. 
I had been corresponding with BOA pertaining to my hardships and was not aware that my mortgage was sold. I was even advised today that the number that is my contact number was listed as a do not call number. Was told by the representative that is was possibly a " slip '' of the finger. I have taken a job in XXXX TN and my son advised me last night that I had received a notice to appear in court on Monday, XXXX XXXX, XXXX. That is short notice and have priced tickets to try and make the court date and can not afford to do so at this last minute notice. I did not even have my loan number had to be advised of it today. 

Please find enclosed my loan modification packet and I can be reached at XXXX. 

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 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am doing XXXX complaints to each bureau because I have disputed many times the account XXXX XXXX. This account from years ago is not mine and all I ask is for it to be deleted off of my credit report. A similar credit card by the same company was issued in my name as well but I did get that one disputed back in 2008. So please delete this one as well as it is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Medical) with Bonneville Billing and Collections (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.

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 02/25/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I know i paid on the card when i had it and i believe the amount owed is wrong.

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 01/17/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Never had business with such company & I never lived at the original address on file for this billing. I request this be removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I checked off the did not get proper notice of investigation because the others did not fit my problem at all. Sorry. Here is the situation : XXXX XXXX XXXX hired a collection agency XXXX XXXX and they hired a XXXX Attorney to represent them in court. I went to court when I was asked to appear. They never even showed. Therefore, the Judge ordered that the case was dismissed. I have the paperwork from the Court showing all the information that would be required for them to remove the negative marks on my credit report. So, I then sent all this paperwork to the credit reporting agencies. They are still investigating and as of yet, I have heard nothing. Everyone is telling me to sue the credit reporting agencies - Others said you can help me. So I 'm starting with you!!!! Apparently, they are dragging their feet on this one.

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 03/31/2016 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through " Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX, and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that, however I also wanted to contact you if it was possible to also have my paid money returned from the Genesis lending service. I have all documents in tact and my account number was # XXXX which then was turned to XXXX ( XXXX XXXX XXXX ) account number # XXXX. 


It is not the largest of amounts, but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again, and I feel it should be an entitlement not only for me, but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use, but ended up paying for a sham college that does n't even exist anymore and I want my money back! 

If there is no refund for prior payments made, where is my money??? It was gobbled up by Genesis lending for god knows what and I deserve it back OR it is just sitting somewhere in limbo ... that 's wasted!! 


Need your assistance helping us getting our money back!!!

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GU).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: If this is the final for my dispute with XXXX I satisfy dated below. XXXX CREDIT FILE : XXXX XXXX, 2017 Confirmation # XXXX Please inform the other credit Bereu including the personal finance and 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 10/14/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than {$460.00} a month. 
In a statement dated XXXX/XXXX/2016, SLS without explanation increased monthly mortgage payments to {$1700.00} ( XXXX ) from {$1200.00} ( XXXX ), an increase of {$460.00} ( XXXX ). Before SLS began servicing this loan I had executed a modification plan with XXXX, the original owners of the above mortgage loan, in which I was to pay {$1100.00} ( XXXX ) monthly. After it began servicing the loan, SLS ignored the terms of the modification agreement and increased my monthly payments to {$1200.00} ( XXXX ). After that increase, I spoke with SLS representatives for weeks and remained confused about how payments to SLS were credited to my account. To date, I have gotten conflicting and confusing answers from SLS representatives. 

My total annual Real Estate County Tax payments is {$6100.00} ( XXXX ) ; total annual homeowners insurance is {$2300.00} ( XXXX ), for a total of {$8500.00} ( XXXX ). The escrow increase of {$460.00} a month amounts to an annual amount of {$5500.00} ( XXXX ). My current escrow payment is {$550.00} ( XXXX ) a month or {$6600.00} ( XXXX ) a year. Added together, the escrow increase by SLS amounts to {$12000.00} ( XXXX ) to cover expenses of {$8500.00}.

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was sent an alert from the credit reporting service that I possess stating that a change had been made on my report. I contacted both my attorney staff and the Consumer Financial Protection Agency and wanted to get the correct amount of money that I owed agreed upon to pay and this collection agency sent an incorrect amount to settle of {$270.00} approximately and I did respond until I receive a comply today with my attorney. The credit reporting from XXXX stated that {$400.00} was due yet not document proving the breakdown of this amount was ever provided upon my request and the attorney 's request. This collections agency Amsher has falsified my correct balance due. Today I actually the Amsher Collections Agency and they hung up on me XXXX times. I was trying to get an account number from them and I mentioned that the previous disrespectful agent hung up on me and then a male hung up on me because he did not give me his name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I 've been a customer of Bank of America for many years. As of late, they have been treating me poorly and unfairly. They are charging me an outrageous rate for interest and are not willing to comply or understand during financial hardship. I 've called many times and have left messages only to be rejected or not even have my phone call returned at all. This bank is careless and truly does not care about it 's customers. Even under new applications it states that the highest interest rate and was completely different that the one I was given. They even lowered my credit limit on another card for no reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The reason for my complaint is because Experian has continued to report a publicrecord that is fraudulent even though I have sent supporting information to have the public record removed. They continued to claim that the public record is coming back verified from the Vendor. I have contacted their vendor XXXX XXXX XXXX XXXX and expressed my concern and brought to them my concern in a separate complaint that i filed with CFPB case XXXX. They responded with my concern explaining that the XXXX County Public record was removed from my lexis nexis risk file. I am attaching the response that I received through the CFPB portal from XXXX XXXX and requesting for Experian to remove this public record from my experian file. The last complaint that I put on Experian in my opinion they did not even do an investigation as the results were given not even 5 days from the date that I put the complaint. 

I am also going to attach my Drivers License and Social Security Card requesting for Experian to remove the Extended fraud alert from my file. I attempted to upload the document to the Experian website and they have also failed to respond to my request. I am requesting for a credit line increase with one of my creditors and they are declining me because of my fraud alert. They requested that I remove from my credit profile before they can continue with my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score. Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.

Company response to consumer: Closed with explanation