milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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 have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX-XX/XX/XXXX. Then I see another error with Transunion showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three 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 10-08-2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I continously receive mail related to a mortgage payment from Ditech- a mortgage servicer. In XXXX I received a XXXX to XXXX after Ditech dismissed the foreclosure case because of forged signatures and the wrong loan amount. 

I received a " XXXX of XXXX of XXXX XXXX XXXX ''. This came from XXXX XXXX, the admitted owner of the note. I only have XXXX mortgage. 

Ditech continues to attempt to collect on a mortgage when I, the property owner received a release of deed of trust because Ditech admitted in court that the title company forged my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: this not my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CREDCO XX/XX/2017 RE : Request for ivestigation of Unauthorized Inquiry I check my personal crdit report and found an unauthorized credit inquired with your bank information i haven't give the authorisation to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the prosedure used in your investigation within 15 business days of the complition of the investigation. 
Thank you : 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 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I reviewed my account around XXXX 2016 and disputed some inaccuracies on my credit report. I completed a dispute with Experian to ensure that inquiries from XXXX, XXXX, XXXX, XXXX, XXXX ( which appeared twice ), XXXX, XXXX be investigated as they were inaccurate. I reached out to the vendors to verify most of the inquiries and they stated that I never even had an account open with them.

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 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Non-Compliance with borrower 's notices. Wells Fargo and it 's Legal counsel has opted not to respond with an " acknowledgement '' of HAMP request made on XX/XX/2016. As per the HAMP Rules 3.4.2- Servicer 's must develop and implement written polices and procedures to provide notification to their foreclosure attorney/Trustee regarding a borrower HAMP status, including whether the borrower is potentially eligible for HAMP. 
HAMP Rules 4.5- Within 5 business days following receipt of any component of Loss Mitigation Application, the servicer must " acknowledged '' in writing the borrower 's request for HAMP participation by sending the borrower conformation that the Loss Mitigation Application has been received and inform the borrower whether their application is complete or incomplete ( acknowledgement ). 

As of XX/XX/2016, Wells Fargo or their Legal team XXXX, XXXX XXXX XXXX, have failed to provide me with any notices regarding our HAMP request. Be advise that their legal team have engage in other criminal matters pertaining to the XXXX Judicial Circuit in connection with the foreclosure action that will only be shared with the Office Of The Internal General. We ask that you sanction Wells Fargo for failure to provide me with notices regarding the HAMP 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 01-08-2018 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: Their investigation did not fix an error on your report

Complaint: XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested information on this dedt bearing my signature and have not received no information on validation

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The collection they are reporting was n't verified no contract

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from Synchrony Bank stating I had made an application for credit with XXXX. They requested I call to give them additional information. I called the number provided and was asked for my social security number. I did not give it to them. I asked that my name be flagged as having been the victim of attempted fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was subjected to a cyber hack, and while this was not their fault, they waited over 90 days to report the breach to the consumers and all that were affected. During this time period, it 's unknown how many people were affected and credits destroyed by possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My soon to be X husband has moved to XXXX XXXX XXXX in XXXX Il XXXX, HIS name is XXXX XXXX XXXX XXXX DOB ... XX/XX/XXXX. Please remove any of his information from my household. I have never lived in XXXX nor will I ever. 

I have lived at my current address for 45 years and will continue to live at XXXX XXXX XXXX ( is my current name until divorce ) ( then it will XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Illinois XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pro-collect XXXX XXXX, 2012 XXXX this apartment was being rented by my mother and the court gave my mother 30 days to move because she had a XXXX and she was moving in with me to another location, that 's last company to lease granted my mothers move. I signed papers and low behold new company come in and said I was responsible for my mother debt. I have tried pleading and reasoning with these people and nothing, I call they hang up or cuss me out. I do n't know what else to do to get this removed off my credit.

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 02/16/2017 about Credit reporting () with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am reviewing my credit report for errors. It says I have a late payment on a student loan and it is incorrect. The report says 60 days later in XXXX. I dispute this information. I request that it is removed. 

Account Number - XXXX XXXX Account Name - WELLS FARGO EDUCATIO AES/WLLSFRGO Account Condition - Closed Closed Payment - Paid Paid Account Balance {$0.00} {$0.00} Balance Date - XXXX XXXX High Balance - {$5500.00} {$5500.00}

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.

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 03/22/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: APR or interest rate

Complaint: My account started getting charged interest within 10 months of being in an introductory 12 month 0 % APR period, reflected in my most recent statement. The offer I responded to to get the card, and the subsequent documentation I received with the card after approval ( their form " XXXX '' ) confirms 12 months 0 % APR. Upon query, their representative attempted to tell me I responded to a 5-6 month 0 % APR, and if not that, then they changed the terms after reviewing my credit, and she offered to send me that documentation. However, my statements do not have any interest charges for 10 months, ( as expected for 0 % for at least 10 months, and do not support her assertion I was on a 5-6 month 0 % ), until the most recent statement that I contacted them about. She continued to assert the falsehood of my offer ( 5-6 months 0 % ) or the other falsehood ( they changed after credit review ) until I got the point across that obviously it is not as she said as I was not charged interest until after 10 months. She ultimately waived my interest for this month but I expect to have the same problem next month. What I am sincerely disappointed by is the assertion of falsehood which is tantamount to a bait and switch scenario, despite the fact I have evidence supporting my 12 month introductory 0 % APR, and the fact that it took over 30 minutes to resolve one issue and my expectation to have to spend another call next month to waive the interested again so that they would have honored their 12 month introductory 0 % APR.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV Funding apparently took over some supposed debt. They have hired XXXX XXXX XXXX to pursue it. After repeated attempts OVER THREE YEARS to get them to prove to me taht I owe this debt, they have utterly failed to do so. i have even sent such letters to the courts, and the judge himself told me to handle this directly with them. They continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I have a joint account with my mom at chase. She passed away last year, so the account was dormant for a while. I received a new card from the bank, and i remembered i have that account. i used it one time to check if it was still active, and it was. on XXXX XXXX, I deposited XXXX checks at a local ATM. the transaction went through. the following day, i went on line to check on it, and could not find the account. I called the bank helpline and was informed that the account was closed. there was no email or letter sent. and that they said they closed it on XX/XX/XXXX. i called the local bank where the checks were deposited. I explaines to them that the money is a loan, and was intended for a family vacation that my family was looking forward to, and that we are leaving that coming sunday. they said they were going to mail the checks, expedited. the vacation came and went, we still have not received the checks. i called their local bank again, only to be informed that i have to file a claim instead. and that the claim takes 10 days, again to be processed. and that tere is no way to expedite this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 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: Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/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 01/19/2018 about Debt collection (Auto debt) with CCB Credit Serivces, Inc (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I started a lease for a XXXX XXXX on XX/XX/XXXX in a dealership called XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. That same day I started the lease with XXXX, I left my XXXX XXXX at the dealership. XXXX XXXX was my salesman, he called XXXX XXXX XXXX to find out the amount I owed for the remainder of the Lease for the XXXX XXXX. The amount was {$3200.00} which shows on the contract. A check was to be sent to us for that amount so we would pay XXXX XXXX XXXX since that amount was being included in the new lease loan with XXXX. We received the check on XX/XX/XXXX, I sent the payment to XXXX XXXX XXXX on XX/XX/XXXX through ACH. When it was time to pick up the plates for the XXXX we got a call from XXXX and he was no longer working at XXXX XXXX XXXX because the location was closed down, he was at XXXX XXXX XXXX, XXXX NJ where I picked up my plates. A few months down the line we received a call from XXXX asking us where was the XXXX XXXX because they did n't have the car. We left the car at XXXX XXXX XXXX and because it was closed down nobody from XXXX knew where all the cars from that dealership where located. Even though I did n't have the car and I did n't know why I was being asked about the car I was nice enough to give all the info of people I dealt with for the new lease, I sent over by fax my contract and paperwork stating that I paid the remaining of the lease. The car was left there. XXXX said they would investigate. A few other months down the line we go a call again and once again I explained everything and sent all the paper work via email. We even had a guy looking around my house to try and find the car, he spoke to my wife and left a notice when I called the guy he said he was looking for the XXXX XXXX. I was very upset, because I never had to go through this, people coming to my house thinking I stole a vehicle when we did a swap ending one lease to start another. This is not the first time I do this and I never had a problem. All I know after 2 years I get a letter from a debtor trying to collect {$12000.00} for a car I do not have. For a car that is sitting somewhere God knows where. A car that by now if XXXX had reported to the police as stolen, the cops would of found it sitting at a lot somewhere. Because most likely the car is in a lot where they keep cars from dealerships. That is the only reasonable explanation for the car not be found yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: First National Bank of Omaha today re-aged my original bankruptcy date from XX/XX/XXXXto XX/XX/XXXX. This is a violation of the FCRA and a violation of the bankruptcy order. This company continues to do this every time they submitted updates to the credit bureaus. Attached is proof of this activity. The credit bureaus say its the creditor and the creditor says its the credit bureau.

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 07-11-2015 about Debt collection (I do not know) with The CBE Group, Inc. (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.

Company response to consumer: Closed with explanation