milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file

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 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ID).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: X/XX/2017   A  m trying t o report a charge dated  XXXX  for  XXXX  from  XXXX  in California on my  Chase Southwest c redit card.     In trying to reac h Chase ( Southwest ), I ha ve gone through their phone tree twice and find no path to report an unauthorized charge on my card.     Have also looked at Chase.com and can not find a path to report a bad charge.     Noticed online, I am not the only person with a false charge from  XXXX  but my complaint is about Chase 's lack of easy route for me to report the erroneous charge. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Other

Complaint: All XXXX major credit reporting agencies have received Disputes ( directly and through CFPB ) about the deletion drop off dates on XXXX ( simultaneously ) charged off, alleged Amex accounts on my credit report. Fairly consistently however they report the first major delinquency as XX/XX/XXXX. Thus the deletion drop off date is XX/XX/XXXX. Unfortunately XXXX, XXXX, and XXXX ALL report Amex has responded to their attempts to verify, the correct deletion dates via the " Dispute Response from Data Furnisher '' with a WIDELY VARYING deletion date. XXXX, in fact when there can be only XXXX. Clearly this is impossible if the Amex response to the CRA 's was consistent, accurate, and in fact, diligently investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from t heir Consumer Advocate ce nter and they stated that they do not have to update what they consider correct information at that time period. Yet  XXXX  refuses to correct and update this information standing behind their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I ordered 2 XXXX XXXX products online from a company named 'XXXX XXXX '. The ad offered that you pay shipping and handling only for {$4.00}. My bank account shows that on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX ' and on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX XXXX '. Both of these were taken from my debit card. On Friday, XX/XX/XXXX I went online to check my account and seen that they again charged me {$80.00} for 'XXXX XXXX XXXX ' and {$83.00} for XXXX XXXX XXXX XXXX ' on XX/XX/XXXX. I immediately contacted them. The first person I spoke with told me she 'could not locate ' my account and would call me back. No call came, so 3 hours later I called again and spoke to another individual who found my account immediately and then she advised me that I could not get a refund. She advised that I had 2 weeks to contact them or I would be charged, I knew of no such thing. She hung up on me at some point. I called back 2 more times to try to talk to someone and they both hung up on me. I have filed a dispute with my bank, Huntington Bank - they say it will take 45 to 90 days to get the dispute processed. I am guessing that it may have stated this in very very small print somewhere. But, although that is still wrong - it still was not a full 2 weeks before they pulled money from my account. I have cancelled the card with my bank as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. 
However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. 
Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

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 11/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX made a large payment to Chase {$95000.00} on my home mortgage loan. When I received the statement from Chase for my XX/XX/XXXX payment I immediately noticed that all of the figures were wrong. In the past when I made more than the minimum payment it was always applied to the principal. This time my payment was divided up into XXXX parts and not all of it was applied to my loan. I do not understand why the amount in excess of my required payment was not applied to the principal this time. I contacted Chase and they could not explain why it was not applied and why some of the money was put into an unapplied fund and why most of these figures are wrong. I went to a Chase bank in XXXX and they printed out the transaction history for me, but they could not explain why this money was handled so strangely. They did not know anything about an unapplied fund. In the transaction history the figures in the third row down from the top shows a payment on XX/XX/2016 of XXXX, however the figures in the rest of that row do not add up to that amount and I did not make that payment. Nobody at Chase has been able to explain why these figures do not add up as they should and why my payment was divided up into differenet payments. In the XXXX XXXX section of my XX/XX/XXXX statement show an unpaid balance of {$950.00} that is in error and an Unapplied Balance that is not suppose to exist. In the Past Payments Breakdown section the amount paid is wrong which causes the rest of the figures to be in error also. in the Explanation of Amount Due section the principal amount is in error as is most of the figures on this statement. I called Chase and called their attention to the errors and requested a corrected statement with the correct amount due on the principal. They admitted that the figures are all in error, but refused to issue a corrected statement. I need to know the correct amount owed on this account and how much I need to pay for my XX/XX/XXXX payment. Enclosed are copies of the Transaction History, XX/XX/XXXX Loan Statement, and XX/XX/XXXX Loan Statement.

Company response to consumer: Closed
Consumer complaint received 07-10-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IN).
Issue: Struggling to pay mortgage

Complaint: My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this matter.

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 07-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: i have a private loan which originated in XXXX ( 2006 ) and i live in XXXX. why am i still responsible for it?? also, my daugher cosigned for me and she needs to come off. after all these years it should be in my name only. she informed me that she would contact them about taking her name off. well, the response was she was the primary borrower and i was the maker. today, i got the opposite information where by i was the primary borrower and she was the cosigner. this is affecting our relationship because i got behind. It had been in forebearance and then a collection agency called me and then threaten her with wage garnishment and contacting her corporate office. After i spoke with them, i sent them a cease and desist letter. Aes contacted me and told me that i was n't able to use any more forebearance but they offered me a payment arrangement. i have since followed this to the lettter but the interest or the days late is constantly going up. my balance is n't going down. what shall we do???????????????

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: We are in the process of selling our home. During the title search, it was discovered Bank of America did not satisfy a deed of trust when we refinanced, so it appears to deeds are open. We started to call on XXXX XXXX to report the issue. After numerous calls for resolution and no response, we finally received a call that the issue was resolved on XXXX. However, it turned out the bank satisfied the wrong deed of trust. Due to the delay, the buyers mortgage company cancelled the closing and will not reschedule until approved. The expected closing date was XXXX, due to our house not being ready, we had to rent an apartment for one month at a cost of over {$3000.00}. Because our house is not closing, we are also going to be responsible for paying our mortgage with Bank of America. Because our closing appears to be pushed back until XXXX, the buyers can now cancel the contract and also attempt to come to us for restitution. During the process of trying to get this fixed, I have faxed in, and our lawyer has faxed in the documents to Bank of America 3 times. We even sent them a copy of the deed to be satisfied and they still did the incorrect XXXX. Because of the error, we are basically owing the equivalent of XXXX mortgage payments, plus our buyers are in a horrible position. XXXX last thing, the reason why there was problem with the original refinance was we were instructed to sign the documentation incorrectly and it had to be resigned a second time.

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 monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX ,  XXXX ,  XXXX ,   XXXX  , none just now looking at my credit report I had identity theft someone been using my social

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I have reached out to my mortgage company explaining my hardship. I explained then and now, that my mortgage was not affordable. I was paying {$2600.00} monthly on a {$130000.00} loan. At the time I took out the loan it was after hurricane XXXX so I understood then the high interest but I was told that after 6 months I could refinance and get a lower interest rate. Needless to say that was inaccurate and no I did not get it in writing. Please understand the background to my hardship. I have gotten behind on my mortgage I filed bankruptcy, I have had loan modifications and I am still fighting for an affordable solution. I recently received a loan modification, it was significant as oppose to what they previously gave. This time I received a 4.25 % interest rate down from 8.25 %. I had an 8.25 % interest rate for ten years. The lenders refused to lower it, now that XXXX has gotten involved it was reduced. I am pleased about that but no one is addressing the pmi another source of my hardship. Please help! I want to keep my home I have proven that by fighting to reach an affordable solution but this company is trying to force me out and I do not understand why.. My pmi MONTHLY is {$670.00}. My house note is still unresolved. All I 'm asking for is to be given a true chance at owning and maintaining my home. This is my American Dream this is my home but some big bank is making money off of forcing the middle class workers out of their dream. I do not want to raise my children in an apartment complex with XXXX XXXX and XXXX. It is my right to be able to raise my kids in a nice neighborhood, with exemplary schools. It is my right to have a fair chance at home ownership! Why am I being penalized for trying. I am asking once again to please look into and adjust my pmi I can not afford my house note due to it being excessive. Please note that this is my second complaint, I do not understand why the first one was closed because this matter was not resolved.

Company response to consumer: Closed with explanation