milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX AND TRANSUNION  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM XXXX ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Check Cashing Service XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) 3XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Clothing Store - non specific
XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
Mortgage Reporters
XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
Personal Loan Companies
XXXX XXXX XXXX XXXX, MS XXXX
(XXXX) XXXX
  THE COMPANIES FROM TRANSUNION ARE:

XXXX
Inquiry from XX/XX/XXXX
+
Finance XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank

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 05-11-2017 about Debt collection (I do not know) with National Mediation Services (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This  National Mediation   XXXX  called my mother and told her they wanted to deliver documents to her house for a case against me. She called me right away and gave me the number. I called and would not give the last  XXXX  numbers of my ssn, and I gave them the case number they gave my mom of  XXXX . They asked what I was calling for and I stated i want to know  XXXX  you are talking about she them hung up and would not take any more of my calls. I know this is a scam but I am putting a complaint with the FTC and Consumer Affairs.

Company response to consumer: Untimely response
Consumer complaint received 03-10-2016 about Debt collection (Medical) with Ragan & Ragan, PC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls using a fake called id multiple call throughout the day call prior to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax allowed my and other 's data to be stolen, and then charges me to freeze my account. FREEZING and THAWING should be free.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with LEXISNEXIS (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XX/XX/XXXX, I took out a XXXX XXXX " XXXX '' deal to pay for my Iphone 6+ along with my regular monthly payments. This is my only debt apart from my monthly credit card debts XXXX XXXX cards ). I pay all XXXX debts through auto payments. When I applied to renew my home, car and liability insurance with XXXX XXXX XXXX, I received a notice from them that the company had a credit report from Lexis Nexis from which XXXX had constructed a score to use in pricing my insurance. The note also said I could apply to Lexis Nexis to get a free copy of my credit report. I called Lexis Nexis on the automated phone request system but never received a report. Exactly the same thing had happened XX/XX/XXXX except that then I tried unsuccessfully to phone and then instead wrote a letter dated XX/XX/XXXX to Lexis Nexis XXXX I still have a paper copy-see below ). This time, XX/XX/XXXX, instead, I did not write but tried again to phone the Lexis-Nexis XXXX XXXX, and was put on hold for about 10 minutes and then cut off. 
Though I have few debts, I do want to monitor my credit reporting history to ensure accuracy, and I am frustrated how to get my right to the report without vast expenditure of time and energy. Please advise. Thank you. 
PS. the attachment briefly shows in the box and then lands below the box below!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I 've had many issues with Franklin American Mortgage company. However my chief complaint with them and reason for coming to the cfpb, is the fact that they sent an inspector out to my home after I had become delinquent on some payments and that inspector took it upon themselves to turn off my water. Once that inspector turned off my water without my knowledge, the boiler that runs on gas proceeded to still run and the gas burned up my boiler. Now my boiler caused a small fire in my home and that fire has ruined my boiler. When I called the mortgage company and asked them what they sent an inspector to my home for, they said that it was because I was delinquent on payments. But at the same time I had also already supplied them with XXXX applications for short sale / deed-in-lieu of foreclosure documents. I have been working with the company since approximately XXXX of 2016 trying to get a short sale or deed-in-lieu of foreclosure started. However I got nothing but the runaround for almost the entire process and it took an entire month to just get them to send the application to me. After the application was sent to me the first time it was processed but they never sent me any notification that they required additional documentation so they just closed out the application. The next time I started the application over they actually lost the documentation and now I 'm in the third time of having to send them the application. When I asked to elevate it to a supervisor, the supervisor gave me an incorrect extension and fax number for them. Luckily and thankfully the VA that also is in charge of my loan, called me and they are now assisting me with getting the correct documentation over to the subservicing company. However at this current time I am over {$9000.00} delinquent and I feel that that amount would be much less if they would have just aproved the initial short sale or deed-in-lieu of foreclosure documents. And on top of it all, I understand that I am delinquent on payments, however I feel that they should not harass me by calling every evening after XXXX finally after telling the VA all of this, they suggested that I contact the cfpb with a complaint and ask the cfpb to assist in getting the mortgage company to purchase a new boiler for the home in question. My insurance will not cover it because the XXXX person who dealt with the boiler on fire, would not provide a more detailed statement due to liability issues. I would like to thank you in advance for reviewing this complaint and I look forward to hearing from someone regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Payday loan () with CNG FINANCIAL CORPORATION (MD).
Issue: Payment to acct not credited

Complaint: A third party collection agency is calling my job on a debt that I paid in full in 2008 with another collection agency. This agency will not give me a name, number, or addrss to send them my paid in full letter. they are calling my place of employment and threating me!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I live in a subdivision which includes a XXXX XXXX XXXX. The monthly fee for the XXXX is managed by Union Bank NY a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX in XXXX, GA. They began managing the XXXX in XXXX 2015. Since XXXX I have paid my dues on time each month. In XXXX, XXXX and XXXX I received a notice that my payments had been made late and I owed a late fee. Payments are due on the XXXX and a fee is charged for any payment received after the XXXX. All of my payments for those months had been made prior to the XXXX. When I received the first notice I send an email with payment information to the address listed in the letter. I received no response. When I received a second notice I called XXXX XXXX with XXXX XXXX services. He told me Union Bank had applied my payment incorrectly and he would take of it. However, I received a third notice in XXXX with the same issue. Union Bank and XXXX XXXX XXXX have yet to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Recently on XXXX XXXX XXXX I needed to place a security freeze on my TransUnion credit report. This is supposed to be done most conveniently on the website. However it is somewhere between very difficult and impossible to place a simple credit report freeze on the TransUnion website. XXXX is constantly redirected to other services, most of which are subscription services. Finally, there are links to a telephone number, which when you call this number, you are again bombarded with solicitations and marketing. Aproximately XXXX hours later I stopped trying this for the day. XXXX XXXX XXXX, I went straignt to the number and worked through approximately XXXX mnutes of advertising in order to place a freeze on my credit report. 
Also in all of my searching the XXXX website I was unable to find a mailing address to send a freeze request to, or to find any listing of documentation or other re information necessary to do this. 

TransUnion should be required by your agency to to make credit report freezing easy to find, perform & document without having to put up with several hours of marketing nonesense. Seeing as how they are required by law to provide this service, I see no reason why they can not or should not be compelled to make it fairly easy and fairly XXXX for the consumers such as myself.

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 11-05-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that XXXX the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: This is previous case that I submitted which goes to show you that Wells Fargo was engaging I activities to block my refund because it was looking to make money and not give it away. Therefore, they violated visa policy of refunding charges for not receiving what you paid for within 60 days. I sent proof that what was done was already done and had to be done over after the company damaged my car even further to make money from me/  Please make them clear up my account .
Case number: XXXX

 



Back 



Status

   Response disputed   

WELLS FARGO BANK, NA said:
 Explanation of closure 
Please see attached response. Thank you. 
  


 Response 
Please see attached response. Thank you. 
  

What happened 

 Describe what happened so we can understand the issue... 
I went to XXXX to get an emission inspection for a XXXX Mercury Grand Marquis and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to XXXX mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX saying that my  egr valve and spark plugs needed to be replaced which I had repaired XX/XX/XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it.  XXXX said that they had a dealer tag and would drive the XXXX miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make  XXXX I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket XXXX without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back . The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XX/XX/XXXX and a brochure from XXXX stating state law.  I gave them a letter from Sooner a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged XXXX to  reset automobile computers on their machine.  Now my checking account is in collection with Wells Fargo who says I need a 2nd opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XX/XX/XXXX and paid for it on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: 1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.

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 12/29/2016 about Debt collection (I do not know) with Alpha Recovery Corp (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alpha Recovery XXXX continues to harass me and my family with phone calls, disregarding written directives from me to immediately cease and desist. It was confirmed that the person whom they seek is someone else. I emailed them in XXXX 2016 and again, in XXXX, after continued harassment. The calls from Alpha are stressing out my elderly mother, exacerbating her ailments.

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 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt collection agency, Aargon forwarded a negative report to our XXXX XXXX credit report, WITHOUT any written communication with us, and this has adversely affected our credit rating. 

When we contacted them, they now sent us a letter on XXXX XXXX, 2016 stating that " Information regarding this account may be reported to a credit reporting agency upon the expiration of the time limits indicated in this letter. '' Apparently, that claim was inaccurate, because, through an alert system on XXXX XXXX, we had discovered the negative entry from Aargon on our XXXX XXXX credit report. 

We have provided Aargon Agency, by email and certified priority mail, the necessary documents to prove that we did not owe the debt but have yet to hear or read from them. We provided Aargon Agency with XXXX lease agreement with tenants who lived at our rental property at the time of the debt and who had accounts with the apparent creditor company, XXXX XXXX company. 

We hope you would assist us to correct this error, as the negative report has decreased the credit rating that we jealously built and maintained ( resulting in a drop of about XXXX points! ). The bad report from Aargon Agency will eventually affect our ability to borrow, possibly leading to economic hardship for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-12-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Closing/Cancelling account

Complaint: My Bank of America Credit Card has had frequent " fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed " fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Bank of America for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Bank of America claims that an " online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Bank of America generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to " hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Bank of America have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a " fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.

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