milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX, XXXX, I requested my free annual credit report on XXXX from XXXX and TransUnion, and received my XXXX report promptly ( same day ). 

TransUnion has failed to send anything to this day, it is going on XXXX weeks and not a word from TransUnion. I tried to reach out to them but can not get through and I need this information in preparation for its use... If anything needs correcting, I will likely be unable to correct things in time. 

Please help. No customer should be treated like this especially when XXXX and XXXX were very prompt and responsive. 

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 non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company keeps calling me about a debt of someone else 's. I told them I am not that person several times and they keep telling me my number is off the list but I still receive a call almost everyday in which I answer with hello and they say nothing but hang up. The number that they are calling from is XXXX. Any help would be appreciated. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with United Revenue Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Robocalls from XXXX on XXXX, XXXX, XXXX ( which I answered to let them know they had the wrong person, but was only a robocall, with the message if I was not this XXXX? person, hang up ) and XXXX. They have been looking for this person for a long time. My wife called them in 2014 and told them they have the wrong person and did not have consent to call this cell phone anymore. Two years later, they are ignoring that verbal cease and desist order. Their website is down & I do n't feel the need to spend money to send certified mail or fax when a verbal cease and desist is permissable according to FDCPA & XXXX.

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 non-monetary relief
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2014 we submitted all of our paperwork for a loan modification on our mortgage. We believed this to be the quickest and least costly solution to a foreclosure law suit that has drawn out for years. Our attorney prepared our documents and sent everything to our lender Nation Star in a timely manner. I was told by my attorney that it would take roughly 60 days for the banks to review the paperwork. It has since been 10 months since we submitted the documents and Nation Star has yet to confirm they have even received our packet. Our attorneys have sent several copies via certified mail with confirmation however our documents have yet to be reviewed. Because of the incompetence of Nation Star I have incurred thousands of extra dollars in attorney fees to continue this process. It was my understanding that a loan modification was the best way for both parties to come to an agreement on this drawn out case, however that has not been the case. I feel as though I have been taken advantage of because the banks have the money and power to continue dragging this out while my funds keep exhausting. My biggest fear is that Nation Star continues dragging this out and I will no longer have the ability to retain my attorney causing me to ultimately lose any chance I have to save my home. My case is now set for trial due to how many months the case has been stale with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Please reference the letter I am attaching. I sent this investigation request to XXXX  and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.

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 06/13/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Making/receiving payments, sending money

Complaint: Good day, I pay XXXX for several products through XXXX pay and it is through my credit card and the bank 's auto-payment system. 
So, the transaction in question is for XXXX XXXX payment made by the First National Bank XXXX XXXX XXXX ; it was made by the banks records on the XXXX amount XXXX this was for the XXXX. So, then XXXX and I found out i was charge two time for the same software and they reimbursed me that was posted into my account on XXXX XXXX, 2016 Now then when XXXX went to bill me for the XXXX music bill that was due they were turned down. this is what is at issue. I had the funds in the bank and yet First National Bank still does not understand what it is that happened. I do have a paper trail and screen shots and emails to this effect. i would like some one form the banking comis to look at the banking practices of this bank as there is something really wrong here if the bank ca n't understand something as easy as this trans- action and did not pay a direct payment yet, took the funds from my account as it is posted on my on-line banking statement.

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 07-05-2017 about Debt collection (Other debt) with The CMI Group, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX has once again turned over an account to a collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Please see the attached documentation of the same account that XXXX XXXX has submitted to various credit reporting agencies over the last three years. This is an ongoing problem. WHY DOES XXXX XXXX Continue to knowingly and willing report incorrect information to various collection agencies? Why is collection agency refusing to verify the information with XXXX XXXX. 

Upon giving my SS # to the above credit reporting. The agent on the phone asked if my name was " XXXX XXXX ''. I have never lived in Louisiana or the area where " XXXX XXXX '' resides. My name, as I have stated to XXXX XXXX multiple times in writing in the past three years is XXXX XXXX. I am in good standing a XXXX XXXX customer today. The agent ( in a recorded call ) furthermore said that I should report this situation as identity theft. I have had no other attempts by anyone to use my identity to open other accounts. This is clearly a case of poor and possibly fraudulent collection practices by XXXX XXXX. Please see all the attached documentation from many past attempts to collect money on the same erroneous account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Since XXXX of this year I 've asked all three credit bureaus to please provide verification of about 7 accounts on my credit report. I 've sent more than 4 different requests to provide this verification over the last few months but I get the response that they have been verified. what I 've been looking for is a signed contract with the creditor or application I signed for this credit but they just respond that they are verified. Frustrated because I do n't believe they are really verifying those accounts and they are not mine. they wo n't delete the accounts from the reports or send me the required verification seriously impacting my interests rates

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 08-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction problem

Complaint: I XXXX XXXX XXXX, that on XXXX18, I went to my bank to attempt to resolve a fraud case that I had filed with my bank concerning unauthorized withdrawals. I have already files complaints with FCC and Florida States Attorney General against XXXX, XXXX. This company/chase bank are taking advantage of myself and wife that are elderly folks. In all we have lost {$120.00} from our little savings that we keep in the checking account being discussed. The bank manager was very helpful but the fraud and claims department at chase bank would not reopen my claim, he even attempted to call the company but he had no luck. I want my bank to recognize that I was ripped off, which at this time they say is my fault. Please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an Auto-Pay contract with PENNYMAC Mortage Loan Services, XXXX, CA XXXX, Morgage Loan # XXXX. My last monthly auto-pay of {$1300.00}, occurred on XX/XX/2016. I called customer service on XX/XX/2016 and asked about the XXXX monthly auto-pay which was not implemented. They told me they have turned off my auto-pay because the payment was less than {$1300.00}. Is this legal??? Their phone is XXXX. 

My name is XXXX, XXXX, CA XXXX. 
Email : XXXX, phone:XXXX I would like for them to honor the Auto-Pay contract I have with them. I do not see why they can not draw the final mortgage payment from my XXXX bank as they have done for the last 4-5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I submitted paperwork to have an Short Sale/Cash for Keys done. We received a letter dated XXXX XXXX, 2016 from Flagstar stating it was complete. Just this weekend we found out the Property was in Foreclosure Sale and that it closed on XXXX/XXXX/16. This as a shock to us since we have only been getting payment notices since we received the letter in XXXX XXXX indicating the short sale/cash for keys paperwork had been received and further notification would occur before anything happened with the house/property. We have never received any documentation confirming a Foreclosure. Billing statements are all we have received and as recent as the XXXX/XXXX/16 payment. The only reason we were aware of the Foreclosure is a XXXX estimate we received on Friday XXXX/XXXX/16 stating the property was not for sale it was Foreclosed.

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 05/18/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with M&T BANK CORPORATION (MD).
Issue: Billing disputes

Complaint: This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!

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 01-05-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My wife died on XXXX/XXXX/XXXX. I filed a death certificate with the bank immediately thereafter. The bank has, recently, been calling me asking to speak to her. When I ask what it 's about they say " it 's confidential '' and refuse to give me even any general information, i.e. 'it 's a security fraud ', or, 'we 're checking on a check that 's been submitted ''. Now they have closed MY XXXX main accounts,XXXX & XXXX ( my SS check goes to this accoount ), for no legitimate reason, and removed OVER {$270000.00} on or around XXXX/XXXX/XXXX. They refuse to reopen my accounts and have not returned my money. I was told on XXXX/XXXX/XXXX that XXXX check was " overnighted '' to me. As of today I have n't received anything and I have spent almost XXXX hours and XXXX phone calls to no avail. This is outrageous! My credit is being affected, not to mention all the checks I sent to pay bills which are being NSF 'd.

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 08-05-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MD).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Still mailing me after a C & D on XXXX/XXXX/2015 was faxed, faxed another on XXXX/XXXX/2015, another on XXXX/XXXX/2015 and now another letter has arrived. 

Exactly what has to be done to shut down blatant FDCPA violators? CFPB needs to step it up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Account currently being reported to credit bureaus and I have yet to receive information regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Vehicle lease) with CORELOGIC INC (MN).
Issue: Shopping for a loan or lease

Complaint: Unauthorized inquiry and/or unknown company

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 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have applied for mortgage assistance with Wells Fargo several times over the past few year and they keep denying me saying that theirs not a 10 % change in payment if they modify it. Well of coarse their not going to be one because they are comparing a 30 year fixed payment to an I.O payment that they have me on that goes up every year. I filed a appeal in XXXX and XXXX because they were using the wrong payment to calculate my denial and when I proved through XXXX they just said well he would n't have qualified anyway. They denied me again this for the same reason but I found out that theirs a XXXX guideline that requires them to use the fully amortized rate not the I.O on I.O ARM LOANS and now their saying that it does n't apply to me because my loan is not a ARM but my loan goes up every year. They have manipulated these guidelines for years for years for their benefit. One year they even reported that my home had been foreclosed on and was a XXXX and I had people contacting me and disturbing my family. Please give me some teeth behind this fight!

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 04/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone opened a credit card account with XXXX XXXX under my name and social but with wrong address, phone number and wrong date of birth. They used it according to XXXX to transfer credit card debt from another Credit card company. Should be easy to investigate and determine clearly as fraud. This has not been taken off my credit report and is affecting my credit score and my ability to obtain financing.

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