milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tired to correct information on my credit report. I have disputed it with both the Bureaus and the creditor. They have not properly investigated and resolved my issue. XXXX XXXX XXXX Mortgage begin a modification process on my 1st and 2nd mortgage at the same time in XXXX of XXXX. After complying with the terms and paying the trial modification my first was modified permanantly in XXXX but my second was not. I constantly asked XXXX XXXX XXXX the status, they said it was still working, I continued to pay the trial payment, then in XXXX of XXXX I got another notification that my 2nd mortgage was under trial modification, Again I continued to pay it on time and in XXXX the XXXX became permanant, almost 1 year later. XXXX XXXX XXXX reports that I was 120 days late and that I was late on my 2nd mortgage since the trial began. They corrected this on the first mortgage but not on the 2nd. I made payments as agreed and yet the report is not an accurate reflection of what happened. I never got an explaination as to why the 2nd mortage took so long. But with the first, XXXX XXXX XXXX Reported that I was on time from the start of the Trial Mortage. In addition when we started this program - due to job loss- we were told there was nothing that cold be done until we were behind. I would like to have my credit reports reflect as paid as agreed on my 2nd mortgage from XXXX of XXXX until now. I have attached documetation showing my payments, the agreement and the impact on my credit report. Please HELP I have sent endless disputes to XXXX XXXX XXXX and The Credit Bureaus to no avail. This really hurts my ability to get back on my feet, since the modification, we have been able to make payments and straighten out our financial lives, this inaccuracy does have devastating impact.

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 08/19/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for an FHA Streamline refi loan with Freedom Mortgage corporation, but I felt I was being given the runaround while waiting for approval from their Underwriters ( was asked to provide the same documentation repeatedly, etc. ). I decided to apply with another lender and withdraw my application from Freedom mortgage, but now they are sitting on my FHA case # and not releasing it to my current lender, which is holding up my loan!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Hi my name is XXXX XXXX. I got an application for a credit card from XXXX and i call them. They did not give me the credit card. I have had several car accident not my fault, Some the drivers did not have an Insurance so my bills end up in collections. Most of the bills got paid but some still lingers in my credit records. I pay my bill on time but cuz i am XXXX and no t working some times is hard to be on time to pay the bills. I try my best always. Dear sir or Madam the reason i write this letter is some one has changed my name from XXXX XXXX to XXXX I been getting calls and applications for XXXX of dollars to borrow. Calls after calls can i talk to XXXX? I have no idea who changed my name that XXXX XXXX is so good that they lend him XXXX lol. I wonder is this that easy to change XXXX letter of some on and create a new person. I called XXXX XXXX and asked who is this XXXX that has my address and you keep sending applications for loans and credit cards. The XXXX agent told me they get these information from Credit reporting companies and gave me their # 'c so i called now i got all kinds of rights send to me. But not how to correct this problem. Can you help please, XXXX is not fun as it is to put up with this blows my mind. 

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 06/17/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NV).
Issue: Shopping for a loan or lease

Complaint: Regional Acceptance Corporation dba BB & T Financial Services are constantly reporting inaccurate information regarding the auto that I have included in my BK-XXXX federal protection in XXXX 2013. I have contacted them several times and they keep reporting inaccurate, damaging and defamatory information against me to other auto lenders and car dealership that prevent me from obtaining credit under my own name. I have spoke to Senior Vice President XXXX XXXX at Regional Acceptance Corporation and he still has not corrected this negative and damaging information on my credit report. Regional Acceptance Corporation and its affiliated were contacted and served with prompt and proper notice of my BK-XXXX on XXXX XXXX, 2013 and lately have been reporting the car note to be late in both XXXX and XXXX of 2013 when in fact that is not true at all! There was never a late payment on this car note/auto loan. This BK-XXXX was fully discharged on XXXX XXXX, 2013. So they have no right to report damaging information as to the lates on the auto loan when in fact it was included in the BK-XXXX on XXXX XXXX, 2013. I want this OFF my credit report at once!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking out the loan or lease

Complaint: I APPLIED MY CREDIT CARD WITH BANK OF AMERICA ON XX/XX/2015.ON LINE. I WAS INFORMED ON XXXX XX/XX/2015 THAT MY CREDIT CARD WAS APPROVED BY THIS BANK. I ALSO GOT A LETTER, DATED XX/XX/2015 STATING THAT CREDIT CARD WAS APPROVED. I FILE A COMPLAINT ABOUT SAME ISSUE EARLIER WITH CFPB. SO FAR. I DID NOT RECEIVED MY CREDIT CARD TILL XXXX XX/XX/2015. XXXX XXXX ( TEL # XXXX, X XXXX ) CALLED ME & INFORMED ME THAT CREDIT CARD WAS MAILED ON XXXX XX/XX/2015, BUT SHE WAS TELLING ME LIE. I CALLED XXXX XXXX COUPLE OF TIME, SHE NEVER EVER COME ON PHONE & NEVER EVER RETURN MY CALL. IT SEEMS THAT BANK OF AMERICA HAS A VERY POOR CUSTOMER SERVICE & HAVE NO RESPECT FOR ME AT ALL. IT HAS BEEN MORE THAN XXXX MONTH WHEN I APPLY FOR CREDIT CARD, BUT I DO NOT HAVE IT TILL TODAY. PLEASE HELP ME TO RESOLVED THIS ISSUE AS SOON AS POSSIBLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me anywhere from XXXX 6 times a day. I have written Portfolio Recovery twice via XXXX XXXX mail to please stop, yet they continue. I have also requested that the only communication I will have with them is via XXXX XXXX mail only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with Allied Interstate LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Allied Interstate sent a letter ( XX/XX/XXXX ) regarding a debt we disputed on XX/XX/XXXX when they used one of their other companies ( XXXX XXXX XXXX ) and used a different reference number. We explained that the original debt was disputed with the original debtor ( XXXX XXXX XXXX ) due to identity theft and fraud that the company refused to address, refused to cancel the card, and had the audacity to add late fees, over the limit fees, and even continued to increase the credit limit ( which was {$300.00} ) to {$900.00} to be able to include the fees. Allied Interstate now has sent another request for payment for XXXX XXXX XXXX, another of their companies. We have disputed this debt with the credit bureaus, the credit card company, and the police department, but it does not stop any of them from sending more letters demanding payment and threatening to affect my credit score, which has already taken a horrible hit since XXXX XXXX dares to say I am in default. This has affected my ability to obtain employment. This has gone on since XX/XX/XXXX and they continue to come at me repeatedly under a new name. This is just beyond frustrating. I don ; t know who else to turn to since even when you write and dispute a bill they just change name and start all over again.

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 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with P.S.C., Inc (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have maintained a XXXX credit score with Transunion for the last 9 months. I recently checked my credit score through the credit card Co ..., XXXX and XXXX. They let me e know that my score had dropped to a XXXX. I have had no new loans, always paid my statements on time! I called transunion consumer relations to get an reason as to why my the score had dropped.? I was given no satisfactory answer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The allowance of easy deferment after 10 years my original loans were at about XXXX now are at XXXX. Financially devastating to make XXXX month payments. Please help me understand what options I have for resolution

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with Data and Contact Management Solutions, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Other bank product/service) with MOVEMENT MORTGAGE LLC (NY).
Issue: Account opening, closing, or management

Complaint: My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The group represented a collection agency ( of the auto finance company ). Debt was settled, I did not receive a letter indicating the debt was paid, and the original creditor indicates they have not received payment 2 months since the check cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Bank account or service (Checking account) with PNC Bank N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Debt collection (Medical debt) with HOVG, LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Okay, so short story is, I was in a XXXX XXXX on XX/XX/2017. My car insurance ( XXXX XXXX ) was supposed to pay the hospital and emergency ambulance bill. They paid neither. I found out when my credit score took a 60 point hit when XXXX XXXX XXXX popped up with the ambulance debt to XXXX. This is when I discovered they paid neither bill. I had to pay the hospital bill, and I contacted XXXX XXXX to explain that I was promised all of this was taken care of by the insurance company I had been with for three years. 


The rep, on a recorded line, refused my insistence that this either needed to be sent to my insurance, or my health insurance applied to it. He said it was " 100 % my fault, and I was the only one who would be paying it. '' I refused and told them to contact my health insurance or car insurance, both of which were furnished to XXXX at the time of the accident. I've been called several times since then and they still refuse to accept that I'm not paying the full amount. My health insurance has a deductible for ambulance rides of {$120.00}. If my insurance company lied to me and is refusing to cover the bills I paid extra for them to cover, then my health insurance should have been applied. XXXX XXXX is refusing either and insisting I pay the full amount. My phone line is recorded. I have these conversations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report from Transunion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Transunion and the results of the investigation came back as " verified ''. I did not have an account with XXXX during this time period. XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.

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 01/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My coworker advised that a rep called in to my job. She asked her to verify information about me and she advised that the information was not her information. The rep continued with the call and asked her to pay XXXX that is owed in student loans. My co-worker then hung up the phone. The rep called back and the coworker picked up then hung up. She then called back again from a different number and was advised that I was at break. She then requested to speak to a supervisor. I feel that this is a FDCPA violation, because she verified with someone other than me and once she was hung up on she continued to call back not once but twice. Now they are harassing me and my coworkers making threats to them. I work at XXXX and out of all the XXXX in the USA they happen to know which XXXX I 'm employed at. The name of school in which I attended was XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage was sold from XXXX to Carrington Mortgage Services. My information was transferred over including my automatic monthly payments, but unlike XXXX Carrington has no way of making payments towards principal online if automatic payments are established. This means a physical check must be mailed in or a phone call must be made to make additional payments towards principal. To further complicate this issue, I was required to once again provide all of my bank information ( account number, name, routing number, etc ) despite Carrington already having this information, which is used to make automatic monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am trying to retrieve my credit report. They stated they have nothing to do with retrieving it. I should contact you.

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 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my Transunion credit report, there are XXXX adverse accounts According to this report : XXXX. Both balances are over {$600.00} as of XXXX, XXXX. 
Date opened XXXX/XXXX/XXXX. Revolving account. 
This account is unfamiliar to me. I have never even used a XXXX XXXX card. I have tried to find information on the details of the transactions on this card, with no success. I will pay the balance on this card if it can shown to me that I used it. To my current knowledge, this card was never used by me. I 'm upset by this. My credit score has suffered greatly due to this matter. 
Including losing XXXX XXXX XXXX XXXX cards due to my low credit score.

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 05-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

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