milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it 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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently spoke with a customer service representative at Transunion stating that I did not recognize the following inquiries that were showing up on my credit report. 

1.XXXX  XXXX  11.XXXX XXXX 2. XXXX XXXX 12. XXXX XXXX XXXX 3. XXXX XXXX 13. XXXX XXXX 4. XXXX 14. XXXX XXXX 5.XXXX XXXX 15. XXXX 6. XXXX XXXX 16.  XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX I asked if there could be an investigation into this matter an was told that inquiries are to remain on your report for the time that is dated. I was so disappointed in knowing that Transunion did not want to take the time to help figure this out. Therefore, I am reaching out to you for help in this matter. I have spoken with XXXX  about this same matter an with no issue they removed those inquiries. I even mention this to Transunion and they did nothing. I appreciate your time and effort into looking into this for me. I look forward to hearing from you soon. 

Sincerely, XXXX 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 12-08-2016 about Consumer Loan (Installment loan) with WLCC (FL).
Issue: Problems when you are unable to pay

Complaint: I have signed on to a line of credit, not really knowing the full details, as I so desperately needed the funds, I had already paid an installment loan off in full with this company in the past and went to apply for a new and then was talked into a line of credit ow which I have been paying on religiously every two weeks, I would like to resolve and come up with a settlement amount, as to date I have paid on this particular line of credit just in interest XXXX which I think is beyond too much, I am in a bind right now and had to close my checking account for the ACH being taken out every two weeks, would like to come up with an agreeable amount to pay off so I do not look like I am trying to avoid I am just going broke on these installments, Please advise to a settlement amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Fraud or scam

Complaint: On  XXXX   XXXX ,  2017  I was hired by  XXXX   XXXX  and given an employment offer letter. I was hired by a  XXXX   XXXX   XXXX  who then instructed me that I would be training for a week and that I need to purchase software and a time tracker in order to go forward with the training. He also informed me that I would need a laptop and that if I did not have  one  that  XXXX  would provide one for me. Towards the end of the hiring interview,  XXXX   XXXX  told me that a check would be issued to me for the purchase of the software I would need. I received the check  (  {$2900.00 } )  and was instructed to deposit it and once it had cleared I was to send the money to the vendor to purchase the software and time tracker. The first check was not sufficient to pay for the laptop also, so another check  (  {$4800.00} ) was issued and sent for that purchase 2 days later. I was instructed to deposit that amount into the vendor 's account via   XXXX   XXXX   XXXX   XXXX  and informed that my laptop, various softwares and timer would arrive by the following monday. On Monday I received a third check for {$12000.00}. At this point I became suspicious because I had not received any working/training materials and was being asked to deposit another check to purchase a different set of equipment. It was at this point, I went to the bank manager and after some investigation she determined the check was fraudulent. My bank then contacted the bank of the issued check and they confirmed the check was not a real check. At this point, the monies for the first   XXXX  chec ks was withdrawn from my account by my bank because they were deemed to ba fake as well.   Now, I have lost {$ 7700.00} ( {$2900.00} + {$4800.00} ) due to this fraud/scam and Wells Fargo (  my bank ) will not reimburse or credit my account and my account is now negative with a negative {$3100.00} balance. I have everything documented. I have printed out the entire conversation between myself and  XXXX   XXXX  as well as all company documents i received.   I would like to be reimbursed either by  Wells Fargo  or  XXXX  as both of these companies should have been more diligent and responsible in handling these checks and making sure that I was not scammed out of my money . Wells Fargo no t only did not inform me that the firs t  XXXX  che cks were fake, but they actually cleared the checks and credited my account with those funds and then took them out of my account after I blew the whistle on the third check. Now i have a $  XXXX  balance.  XXXX  should be more diligent than allowing scammers to have access to their letterheads, documents etc that were used to scam me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. 

This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. 

Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. 

I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. 

Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Credit decision / Underwriting

Complaint: I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with DIRECMANAGEMENT, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 Direct Management placed an account for the amount of {$950.00} on my credit report in violation of the Fair Credit Reporting Act. Direct Managment failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Direct Managment is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I try to contact XXXX, XXXX, and experian, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and XXXX and XXXX are ignoring my situation.

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 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ACCOUNT IS INCORRECT JUST NEED TO PD {$100.00} 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 01-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been with Ocwen for approximately 15 months, and during that time all of my payments have been made in full and on time. 
In XXXX 2015 I received a check from Ocwen for {$1100.00}, without explanation. When I looked at my online account I saw that Ocwen estimated my property taxes to be {$550.00}. My taxes were due in XX/XX/XXXX and the actual amount due was {$1600.00}. So I realized Ocwen had miscalculated my taxes, resulting in an overage in my escrow account, and that is why I received this check. I made the first of many calls to Ocwen, wrote XXXX letters, and returned the check to the Escrow Department as directed by Ocwen 's Customer Care agents. I mailed the check on XXXX XXXX, 2015. 
The {$1100.00} has never been returned to my escrow account. I last spoke with an Ocwen Customer Care Supervisor, XXXX, # XXXX, who told me that she would " escalate '' an inquiry with Escrow Department and call me back when they had responded to her. I have not heard back from her. 
Two months is more than reasonable and adequate time for Ocwen to return my money. My phone calls to Ocwen Customer Care have been disregarded and not followed up. 
I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX, 2015.

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. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Freezing your credit should be free after the XXXX data breach. Step it up Congress!

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 11-04-2016 about Mortgage (Conventional fixed mortgage) with E MORTGAGE MANAGEMENT, LLC (FL).
Issue: Settlement process and costs

Complaint: the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX under a company called XXXX XXXX sent a credit card application with my name on it to an address that I do not live at and I have never lived there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loan Relief LetterTo Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers XXXX Citibank and XXXX XXXX and XXXX consolidated batch from the XXXX XXXX XXXX XXXX. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX : {$1300.00} ( monthly ) Total Loan DebtDirect Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXX : $ XXXXCitibank : $ XXXXTOTAL LOAN DEBT XXXX $ XXXX earn approximately {$4800.00} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a local educational nonprofit that diverts youth from the criminal justice system into a more comprehensive and holistic alternative to incarceration, so I hope to take advantage of the XXXX XXXX XXXX XXXX Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX, Nationstar Mortgage contacted me about requiring my property to have flood insurance based on XXXX updated maps. Knowing this was a mistake, I started into doing the research to get this corrected. In XXXX of XXXX, Nationstar Mortgage informed me that they have obtained flood coverage on my behalf and debited my escrow account. In the fall of XXXX, I obtained all the documentation to submit to XXXX for a Letter of Map Amendment. In XXXX of XXXX I received the Letter of Map Amendment removing my property from the flood plain. In XXXX of XXXX, Nationstar Mortgage released my obligation to have flood insurance. Nationstar refunded a prorated balance of the insurance premium. I should have been refunded the whole premium based on accompanying documents with the Letter of Map Amendment and XXXX Flood Insurance Program " Cancellation and Nullification '' document reason # XXXX. 

My request for full reimbursement of premium is based on XXXX 's document titled " Addition Information Regarding Letters Of Map Amendments '' provided in the XXXX cover letter doc. Paragraph XXXX of this document states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the insurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Closing/Cancelling account

Complaint: I went to make a purchase at XXXX and attempted to use my XXXX credit card issued through Comenity Bank. The sales associate called customer service to find out why the card had been declined even though it was paid off a few days before. I was told by the representative that my account had been closed a few days prior because of " credit inquiries '' and that I was considered " too risky '' to do business with. I have paid my bills on time and in full every month. I was also told that all of my other accounts through them had also been closed, all of which were also paid on time and in full each month. I never received anything from them stating that they had closed my accounts. I upheld my end of the agreement by paying my bill on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates keeps insisting that they have properly verified debt. After 5 months I still have not received anything verifying my signature or social security number for this debt. 

Billing statements are not accurate validation of debt and this is all I have received. 

Additionally, the original creditor attempted to obtain a judgement and the case was dropped. 

This needs off my credit report until a validating signature and full social security number are provided to prove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (OK).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Fidelity Information C XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Was placed in collections by this company. Received NO notice or any other information about this debt or any action concerning it. 

Doing this without notification is a violation of law. 

If they can place it on my credit report, they obviously have enough info to locate me. 

This is an invalid debt from an apartment complex in which I never lived. 

Have tried to contact them via phone, but have refused to discuss the mater.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Medical) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivable Management Group, Inc. (GA) (GA).
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: I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation