milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.

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 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: In the month of XXXX I had some checks printed out from my bank at Navy Federal Credit Union at the XXXX XXXX XXXX, XXXX, CA XXXX location. Since the checks were given out I issued out approximately XXXX of the sheet of checks given to me. Upon writing out my fourth one I noticed that the check had my full social printed on it. I contacted them through XXXX message and had a representative tell me someone would contact me regarding the issue. I spoke to a gentleman by the name of XXXX ( incident:XXXX ) and he apologized for what happened and kind of suggested what I should do. He then offered to send me a box of complimentary checks. I also went to the branch personally and spoke to the person in charge at the time because XXXX had gone home for the day on XX/XX/2017. Once again they offered their apologies and suggested I should do all these things and pay for all this monitoring. ( The lady I did speak to did offer to reimburse me for any credit monitoring I elected to do ) My concern is with the fact that my social was printed out. When speaking to them I felt that I was blamed for the situation because the checks were in " my possession '' when those checks were written out but admitted guilt that it was a teller error. This is a mistake that should have never happened. I was explained as to why it happened, and in my opinion it should be 100 % preventable. There should n't even be an option for full socials to be printed out on a check. Even if it is an " old system ''. We live in a time where full social are not even really required anywhere just the last XXXX. For the reason alone that it is sensitive information. However, I was made to feel that it was n't really a big deal and that all I had to do was notify the credit bureaus of the situation and get credit monitoring. They assured me that it 's nothing to worry about that no one would really see those checks besides the person I gave them too. However, I find it hard to believe. One of the checks I wrote ended up being an NSF. He got a mail in the letter with a picture of the check and my full social appeared on it. So everyone who saw that letter had the opportunity to have seen my social. I would like for this to not happen again. And I would like a real resolution for this incident. I have a voided check still in my possession as proof as well of a copy of that letter that the person I gave the NSF check provided me with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Forster & Garbus LLP (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Inquiries listed below, are what needs to be removed : FORSTER & GARBUS ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX (XX/XX/XXXX ) I 've taken my time to reach out to these companies regarding they remove my inquiry because I was never told that they would pull my credit from the XXXX Credit Bureau, and I need it to be removed as soon as possible, so that I can be able to get approved for a loan I need. Also for XXXX XXXX, I 've explained to them also that the inquiries are holding me back, and customer service kept giving me the run around, and never wanted to help. All they did was send me to one person, then another person, then another person, while realizing they did n't want to help me get that inquiry off, and seeking the right help to get this resolved, and taken off my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX XXXX, 2015, Ocwen stated, " At this time, Ocwen has received all information needed from you. Ocwen has requested the attorney complete a title search to confirm the title is clear in order for us to proceed with the DIL review. You will be notified of the decision once the requested information is received from the attorney. '' Since then, I have corresponded with a relationship manager ( in addition to calls from other representatives with contradictory status information resulting in more confusion ). I signed tax documents, closing documents, release documents. I was advised that after this last document was signed at the attorney office representing Ocwen, that the only thing that remains was XXXX FINAL title search to make sure that it was clear. The last document was signed on or about XXXX XXXX, 2015 ( initially submitted XXXX/XXXX/15 but attorneys claimed that I was missing XXXX document which is why I went to their office to sign any document they needed ). This accepted the completed signed documents. I was told that another title search would take XXXX days, at which point if clear, that would close the deed-in-lieu application. Each time I speak with an Ocwen representative, they ask me for time. It has not been over XXXX days and last week Thursday, I was told that the title search has not been done and that I now need to submit XXXX months bank statement. If I did not submit, then the application which I spent months providing documents would be denied. This is an astounding turn of events. I continue to get the runaround, persistent delay tactics, and calls from representatives other than the assigned relationship managers who provide me with wrong information about the status of my application and requesting information that I already provided. Today, I received a call saying that I will be contacted by a NEW relationship manager. And that my previous XXXX provided me with erroneous information pertaining to the final status of my application. 

I feel that I provided ALL information requested and that I should not be required to provide additional information. I also asked the representative with home spoke with today to return copies of all documents that I submitted to date because I am concerned that my private information is not properly secure -- especially since they can not confirm what I had submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR EXPERIAN

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 08/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the XXXX loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to XXXX XXXX specifically, the XXXX/XXXX/XXXX dated ) of the XXXX loans vs. being distributed across all XXXX to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied theXX/XX/XXXX payment to the appropriate loans. InXX/XX/XXXX, I observed that my credit score had taken a hit due to a > XXXX day overdue balance on a XXXX loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXXpayment had caused theXX/XX/XXXX loan to look like it was in default. I opened a dispute with TransUnion, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment betweenXX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.

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 05-07-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Sale of account

Complaint: My BP credit card account changed servicers to Synchrony Bank ( SB ) in XXXX, XXXX, and a series of problems began with SB overhanging, adding unnecessary fees, etc. SB refused to resolve any of the issues, so I quit paying on the account, in XXXX, XXXX. SB only continued to add extra fees and changes, pushing the account over the credit limit of {$1000.00}, which continued month after month. I complained that these tactics by SB were in violation of consumer protection laws, such as the Indiana Deceptive Consumer Sales ACT ( DCSA ) ; which carries a civil penalty of over {$1000.00} per violation that a consumer can collect, plus legal fees and other costs, but was ignored. As I am over 60 years of age, the civil penalty under Indiana law is doubled. As there are numerous violations under the DCSA, the civil penalties that I could collect exceed any amount alleged to be owed SB. 

I am sure that there are also violations of Federal laws as well. I know that SB has been under several Consent Orders for misconduct by the CFPB, and by various state attorney generals, and ahs paid millions in fines. 

I also had another account with SB that was full of errors and problems, as SB had filed a lawsuit against me which had robo-signing, fake affidavits, etc. that an attorney discovered. SB was forced in XX/XX/XXXX to withdraw this lawsuit and judgment. SB still owes me money from that illegal lawsuit, which it has not paid. This unpaid amount would also more than offset the {$1000.00} that SB alleges is owed on this current account. 

With all of these problems, SB last month sold the account to a third party debt buyer-XXXX XXXX XXXX, XXXX for pennies on the dollar without adequate notice. SB failed to inform this debt buyer that the amount of the account is in dispute, and that SB has civil penalties from this account and the other account that more than offset any amount alleged to be owed. 

I will now have the same account reported TWICE on my credit report, and the amount of the alleged debt will be wrong. Hence, I will have a violation of the FCRA that is the result of SB hurriedly trying to sell the 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 non-monetary relief
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MO).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened a checking account in my name without my knowledge.

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 06-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Harrassing phone calls on my personal phone late night or early mornings, after repeatedly telling them not to call me, also being spoken too in a very condescending tone like I am not a adult.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (VA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A XXXX certified letter dated XXXX XXXX, XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XXXX XXXX, XXXX to Experian requesting the same information and nothing has been done by either XXXX XXXX XXXX or Experian.

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 09-01-2016 about Mortgage (Other mortgage) with ATLANTIC BAY MORTGAGE GROUP LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I keep getting soliciting texts on my personal cell phone from Tel : XXXX and they send me this video Link : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Financial, LLC In the past 2 years documents for a modification have been submitted. The current requests to keep resubmitting documents have been ongoing since XX/XX/XXXX. The first submission was XX/XX/XXXX-XX/XX/XXXX no response was ever given to us. 
As of this month we were billed over XXXX for an escrow shortage. We need to have explained to us this outrageous increase when our tax bill is only XXXX. 
Since our mortgage was resold to Green tree our mortgage has increased to XXXX from approximately XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation