milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling Transunion and XXXX the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!

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 09/21/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The following debt is over 7 years old. The debt was sold to a collection who then sold it to another collection and the open date they are using is the date that the collection received the date. 

The last activity with both debt were XXXX2010. I have contacted the creditor, collection and disputed with the credit bureau and I got no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Trouble during payment process

Complaint: chase bank foreclosed on the previous owner not me, and added my name to the foreclusre complaint a day before the judgement and did not summons me

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: I am on a Trial Modification Program, which started with an XXXX letter stating that if I made my XXXX payments in a timely fashion I would receive a modification interest rate of 3.97000 % for XXXX years. 
The payments were made on time. However, the most recent loan modification letter from Ocwen states that there is a " beginning '' interest rate of 4.5000 %. That is inconsistent with what was XXXX promised and the verbiage " beginning '' leads me to believe that this is an adjustable rate. 
We requested they honor the original terms they proposed and they recently came back and said that was a misprint. 
We ask how is it that a financial institution finds it acceptable to send out a binding document, XXXX that we both have been following for the past XXXX months, and when it comes time to confirm the final agreement, renege on the originals terms proposed by saying it was A MISPRINT? 
We would like to request that Ocwen cease the unjust practices with us and follow through with the original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my trans union credit report and there was a number of inquiries that I did not recognize or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/17

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 07/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: I listed an item on XXXX and was contacted by a buyer who wanted to send me a check for payment. I agreed and he sent me a check written from XXXX XXXX, a XXXX XXXX. Routing number and account number showed funds available so JPMorgan/CHASE Bank cleared the check overnight, the XXXX of XXXX. The check was for significantly more than the item listed and I was directed to send the excess funds to a person in North Carolina. Then, on XXXX, XXXX XXXX, CHASE informs me that the check was fictitious and states my account is now overdrawn by the amount of the check. CHASE should not of cleared the check so quickly and should be responsible for replacing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When I enter my personal information to receive my credit report, I am told that there is an error with my social security number and that my information does n't match any of your records. I am certain that all of my information is correct.

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 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America is reporting a wrong balance and a wrong status for this account. Try to contact them but no success.

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 11/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is missing information not on my credit report and i have a right to have my credit correctly reported on my credit report. Trans union has done a great job on cleaning up my credit report i just need these items reported correctly in order to offset the fraud that happened in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with PNC Bank N.A. (NC).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I closed a PNC {$500.00} secured credit card account. To this day, PNC refuses to refund my {$500.00} security deposit. I also have a checking account with PNC and made several visits to my local branch. The excuses started with a holding period for an entire 30 day billing cycle and mailing a check thereafter. Next, up to 45 days. Lastly, 60 days. Attached are photos of the credit balance on the closed account and {$28.00} already paid on previous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with Selene Finance LP (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is a duplicate debt that has already been disputed and deleted off of all three credit bureaus by previous owner of debt. This debt was disputed and deleted through the consumer financial bureau. The case number is XXXX. The correspondence is below : I have filed a complaint with XXXX before regarding account number XXXX Please be advised this is my FINAL ATTEMPT to resolve this matter In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Experian is reporting my score by over XXXX points. Compared to XXXX and XXXX. I have all three reports matched up and they are all the same as reported.. They are killing me and tells me I was 60 days past due but does not show it in there report from any account.

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 04/14/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never worked for any bank or anything associated with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: I am trying to get an agent on the phone from Dietech.com. Everytime I call I get transferred to a mailbox that claims it is full and this is during business hours. I can not leave a mess and am not transferred to another ext. There was atime I left a message and got no return call. This is my mortgage servicing agent and I need to get a person on the phone. I also applied on the web site and it did not work after answering all the questions and now I ca n't redo that either.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS CPS/MAIL XXXX PREFERD XXXX INQUIRIES DMSI/AUTO YES XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX TOTAL MERCHT XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX A XXXX XXXX XXXX XXXX {$760.00}

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 non-monetary relief
Consumer complaint received 02-02-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I own a Macy 's American Express credit card. In XXXX of 2015 fraudulent charges totaling {$440.00} appeared on the card for lotion purchases at a non-Macys store. I immediately called the credit card company and filed the necessary fraud dispute paperwork. In short, they did not even open my fraud paperwork until XXXX 2015 and in the meantime were reporting my account as delinquent to the credit bureaus, thus damaging my credit score. I have called in every month to company and each time they state they just do n't have enough staff to process claims and there are system problems and my claim is not yet processed. I since paid the charges to prevent further damage to my credit score and am now trying to recover the money from Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE HAS STOLEN MY IDENTITY! I SAW THAT THERE WAS A INQUIRY FROM VW CREDIT ON MY XXXX CREDIT FILE AND I CONTACTED AUDI FINANCE AND XXXX AND THEY AUDI REMOVE THE INQUIRY ASAP AND THEN THE ACCOUNT CAME ON MY FILE ABOUT A WEEK LATOR! AUDI FINANCE TOLD ME THAT SENSE THE INQUIRY WAS REMOVE THE ACCOUNT WILL NEVER SHOW UP. THE ACCOUNT IS FRAUD AND EVEN THE ADDRESS IS FRAUD LIKING THE ACCOUNT. THEY ARE REPORTING UNDER XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX, I LIVE AT XXXX XXXX XXXX XXXX, XXXX XXXX NC. PLEASE REMOVE ASAP. MY ATTORNEYS WILL BE HANDLING THIS IF NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX   XXXX ,  XXXX  To Consumer Financial Protection Bureau : Complaint regarding  Southwest Credit  and  XXXX   XXXX   XXXX   XXXX  inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and  credit score.      I called and cancelled  XXXX   XXXX   XXXX   XXXX  on approximately  XXXX   XXXX ,  XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment.   Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency.   When contacted by the agency, I provided my new address to them and asked them so send copies of the  XXXX   XXXX   XXXX  bill as it was never sent to me. Once I received the bill, I paid the balance.   I am appalled that due to the incompetence of  XXXX   XXXX   XXXX  not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with  XXXX   XXXX   XXXX  and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry.   Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (NC).
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 wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.     XXXX   wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile   XXXX   wrote me and   removed the error.   XXXX   and  XXXX  have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!
Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The company continued to contact me and send me out a bill XXXX bill was 3 times in a week, when i asked them to send me proof of my signature and valid information not a statement that was from XX/XX/2004,, they refused, just kept calling me and refused to put debt in dispute. they continued to harass me after i contact information to attorney ... they then called my phone and told my roommate about the debt as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold in XXXX by XXXX Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. Notice from XXXX arrived 2 days late. Informed NOTHING would change. Called Seterus to make payment and was Instructed to wait until the XXXX to contact them. 2 days later received letter from Seterus saying I was late with mortgage payment. Made payment and 2 days later received large package of information on foreclosure citing that was behind in payment. I called Seterus ' " customer service '' concerned I have a history of a late payment with this company and wanted to know why. I was hung up on. 
I have paid XXXX, XXXX and XXXX 's payments but then I get a notice of an escrow increase. That is odd. XXXX reduced by escrow in XXXX based on actual payments to city. and I have not been notified by the city of any increases in tax bills. Is this increase for increased Seterus fees? If so what happened to all terms remain the same? 
I would ask for full accounting and audit of my account and any reference on record be redacted from ALL records owned by or under control of Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief