milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX and TransUnion both report an " XXXX  XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX  '' AND the " TransUnion '' report! 

This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS!

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: Dear  Officer  I am filing a new complaint against   Bank of America.
Bank of America promised me by giving me a nu  mber to call (  XXXX  ) to have its higher management to look into my case. I called every day and left the voice box of this number numerous messages. However, the owner of this phone has never talked to me.   This action of Bank   of America is not professional at all. This action of Bank of American is cheating.
Please ask Bank of America to explain why they should cheat their customers.     Thank you!    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 04-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I had trouble getting employment and ran behind in paying my mortgage. 
I contacted my mortgage company Wells Fargo to try to qualify for a modification. 
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to 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 explanation
Consumer complaint received 03-12-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year.

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (CA).
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: In XX/XX/XXXXi filed a dispute for a collection Wakefield Associates amount {$1100.00} medical bill original {$950.00} they continue adding intrest dont know if they can legally do that over 200 more how can that be In XX/XX/XXXX this account just showed up on my XXXX and XXXX  reports There investigation states Meets FCRA requirements right there is a violation under FCRA for not sending a collection letter of debt validation to consumer giving all info from original company and for consumer to respond within 30 days to validate debt before placing a collection to the bureaus I had been working with a credit repair company which didnt benefit me at all From XX/XX/XXXX to XX/XX/XXXX This company is showing placed for collection XX/XX/XXXX so why did they place a negative account 7 months later Nor did i receive any phone calls I sent a letter asking to validate debtXX/XX/XXXX no response within 30 days I no theres new reporting laws for medical bills with the credit bureaus This should be deleted as the company seem to fall under fcra violations for debt validation Reporting in accurate again it does not meet the requirements

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had XXXX XXXX on XX/XX/2017 my XXXX XXXX insurance paid my bill there are no other charges due. XXXX hires XXXX to collect money due to their error of billing. They have been paid and verified from XXXX XXXX. Remove at once from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with Sentry Credit, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called. 

The voice mail identifies the debt collector as Century Credit. 

As I do n't have any past due debts this strikes me as fraud or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Auto) with Accelerated Financial Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 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: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 06/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated. 

I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Transfinancial Companies, Inc (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.

however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: The terms of my mortgage refinance loan at closing were not the locked in rates of my application or what I was promised. I became aware of the changes when I reviewed my closing documents, there was no explanation prior to the date of signing.

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 Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company contacted me by phone we ended with payment agreement paying {$62.00} dollars monthly they never told me they were a collection agency i thought i was paying the XXXX XXXX XXXX, after rweviwing my credit i foun it was a collection by then i called and the amount due was {$140.00} paid in full onXX/XX/XXXX by credit card XXXX XXXX Confirmation number XXXX they never send the letter paid in full as agree, i send a dispute to all three bureus to remove this information from 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 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: there was so many that applied on the above I just picked an action, This company has reported to my credit, made threats and continues to pull my credit with a hard inquiry almost monthly, and they keep re reporting the debt which the credit bureau has to keep removing, they are a thiurd party collection collecting on a debt that is past statue of limitations, and the very rude lady asked me if I was illiterate when I advised that I knew my rights through the CFPB, and FDCPA she told me that she can report for 7 years from the date she receives the file, and advised me I was uneducated, then reported to my credit and then reported to my wife 's credit when she was advised that the account was included in a bankruptcy and she was violating those laws also this company 's unscrupulous attincs have not stopped and they again pulled by consumer credit bureau in XXXX days apart, they also tried to re report again but it was blocked by my credit monitoring which I had to add cause of there actions which is costing me additional money to fight them at this point I would like you to get involved and put a permanent stop to this, and levy the fines and penalties that are warranted under this broken practice laws the company is Creditors Specialty Serv XXXX Ca XXXX XXXX address XXXX XXXX XXXX XXXX XXXX Ca XXXX Ph : XXXX and they call multiple times a day from XXXX both mine and my wifes phones and are VERY demining Oh and she re reported me as a " skip Can not locate " 24 hours after calling me Uneducated " and I have screen shots from my credit monitoring service the current report dates are XXXX, XXXX, XXXX, She called on XXXX at XXXX and I hung up on her when she called me uneducated and she called immediately back at XXXX She called at XXXX at XXXX and this was the call that she reported me Skip can not locate after, this is all documented and has caused my wife and I stress and hardship and financial damages, PLEASE intervene

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been trying to submit complaints to the credit bureaus. For some reason or another i have n't been too successful. I 'm not sure what the problem is but it is causing me major stress constantly trying to submit the same complaints and getting no responses. So again -XXXX XXXX XXXX I have NEVER done business with this company. Clearly they have made a mistake. I do not owe this debt they claim i owe. 

XXXX XXXX - # XXXX, # XXXX, # XXXX I have never done buisness with this company. I have NEVER given this company access to my personal medical information. Under the HIPPA law my medical records are protected. Please remove these accounts. 

-XXXX XXXX # XXXX I have NEVER done business with this company. Clearly they have made a mistake. 

-XXXX XXXX # XXXX I have NEVER done business with this company nor have i been contacted about this debt. Clearly they have made a mistake. 

-XXXX XXXX XXXX XXXX I 've contacted this company requesting debt validation. They did not respond. I 'm not sure how they can VERIFY something to the credit bureaus but not to me. Who did you speak to about this debt? Can you tell me the date and time you spoke with them also? If not please remove. 

XXXX XXXX XXXX XXXX XXXX This account is inaccurate. I do n't recall having an account with XXXX XXXX. Please remove. 

XXXX XXXX XXXX # XXXX I 've reached out to this company and they sent me some computer generated letter. I 'm not sure how that can substain as debt validation that i requested. Since this company could n't properly furnish me with the requested documentation in a timely manner it should be removed ASAP!!!

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have an account with  XXXX   XXXX  and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a  XXXX  points with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with The CBE Group, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBE Group continues to put collections on my credit report that are my EX WIFES medical bills!!!! We are not married and have n't been for a very long time! I have never signed anything and they should not be allowed to just report whatever they want on my credit. I will have my attorney file for damages if they do not remove ALL of the accounts from my credit. I have n't been to the DR and I have no medical bills!

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2015 about Debt collection (Payday loan) with CITIBANK, N.A. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Settlement process and costs

Complaint: Nationstar has failed to process my client 's loan modification application in a manner consistent with industry standards. They failed process my 3rd party authorization ; Nationstar sent notifications to borrower and did not to communicate with my office about any application deficiency. Emails and faxes were not responded to and phone were rotated through a series of prompts requesting either loan number or social security number in full SEVERAL times until the call was terminated.

Company response to consumer: Closed with explanation