milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to help!

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 10/24/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: We have {$450.00} of late fees on our account that are not valid. I have tried for over a month to resolve this issue but NO ONE will respond to me. I called customer service, they said it needed to be in writing, so I have sent XXXX emails with no response. I have google searched loan officers, sent XXXX emails ( they stated someone would call, no call has come ). I found someone on XXXX, again no response. I have provided documentation on the fact that the late fees are bogus and we have not had any late payments since XXXX of 2016. In XXXX of 2016 we received a foreclosure notice because apparently I missed paying the cents on our bill, instead of paying the {$1200.00} and some change, I only paid the {$1200.00}. I spoke with a gal and she stated I needed to pay {$150.00} and some change to get caught up with late fees, which I paid with our XXXX payment, but separately. Since then NONE of my payments have been late. Therefore I do not owe any additional late fees. I provided a list of my payments to Freedom Mortgage noting that none of them were late since I got caught up in XXXX. Their refusal to contact me only confirms that the late fees are not valid.

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 03-01-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I recently requested to have my escrow account on my mortgage with Wells Fargo closed after I noticed they paid an insurance premium that was triple than what it would normally be without informing me. Wells Fargo acted completely irresponsibly in not notifying me of the increase and denied my request to close the escrow account using an incorrect and outdated value of my house as a defense. I changed insurance companies and paid the new much lower insurance premium myself but Wells Fargo is still charging me a higher monthly payment for my escrow account and is refusing to close and let me manage my own insurance and taxes. I have been a WF customer for over 10 years and have not had a single missed payment. This was far from the first issue iv had with the bank. It is clear the bank does not value its customers and has no interest in maintaining a relationship with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: penny Mac loan services where I have my mortgage place on my credit that I missed five payments -which is NOT TRUE! I WAS ALWAYS CURRENT - I had a hardship my wife had a back operation and I am XXXX living on XXXX XXXX filed for a Modification with them and they gave me XXXX which drop my payment from {$1100.00} to {$1000.00} which did help me a little. Then they placed placed this on my credit missing all them payments which is a LIE! I was always current just needed some help and still current on my payments, I talked to them and they refuse to take this off my credit, this is unjust - I was never told that this would happen if I was told I would have never had a modification in the first place. Please help -I 'm a XXXX XXXX going through a hardship this will help my credit if this was taken off -I believe it is a crime for what there doing to me - Thanks for helping - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Installment loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: I recently submitted a complaint via cfpb in regards to toyota motor credit in which they responded with this long winded excuse stating that the settlement of my account never posted for 58 months due to an inadvertent clerical error. I just recieved notification that they have flagged my XXXX credit report as a charged off bad debt and not paid settlement as agreed in their letter. Toyota motorcredit is full of games and this is really getting ridiculously out of control and I feel the need to seek legal counsel if this issue does not get rectified IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (DE).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: A company called Ally Financial. A company I have never heard of or tried to do business with pulled my credit report on XXXX XXXX, 2016. This was a hard hit at the credit bureau, probably all three. I just received my credit report from XXXX, saw them on the report. I called them on 3 different occasions and told them I did not try to purchase a vehicle through them. Also they did not have the right to check my credit report without my authority. I spoke with, management, the credit dispute office and the fraud department. They did not want to talk to or help me.They refused to help me get this hard hit off my credit report. The credit bureau told me what to tell them to remove it. They still refused. In my opinion Ally Financial could be part of a larger conspiracy in the fraud and Identity theft going on in this country today. More than the general public might imagine. Companies like theirs do n't need a social security number to pull your credit. So they could do this to hundreds or maybe even thousands of consumers and get away with it. I bring this incident to your attention because why would they be so adamant about not wanting to help me. Maybe they figured that if they helped me they might be opening XXXX 's box or get caught with their hand in the cookie jar.I have filed a complaint report with the FBI in Washington, also the BBB in Minnesota. 
I called the local police dept and they told me they are not listed as a business in XXXX MN. They are operating out of XXXX and the police dept could n't understand why they were using a XXXX address. He refered me to the FBI. I will be calling the XXXX police dept as well. on

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 02-01-2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX  to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I called Ally auto and inquiry about their ally grant program which is for individuals with low income. They did not tell me anything about the grant but other options. I wanted to find out why the grant organization did not tell me about the grant.

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 10-11-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (NV).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NH).
Issue: Application, originator, mortgage broker

Complaint: I am writing you to report a TILA/RESPA violation regarding Rocket Mortgage. Per the regulation see information below from CFPB webinar and the CFPB small entity guide no online application can require information other than  the 6 pi eces of information that constitutes an application.  Rocket  Mortgage asks me  all 6 pie ces of information and required more information without allowing me to continue to submit an application. I really hope that this is stopped because it is a violation and they are at a competitive advantage in setting their system up illegally. Pease see the screen shots and regulatory information provided below to support my findings.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A debt from XXXX XXXX {$800.00} original creditor XXXX ... was removed off my report and placed back on in 2014. This debt is past the statue of limitations and over 7 years old. Transunion did an investigation last year and did nothing. The original default date is incorrect, but it shows 2014 the year that this debt was put back on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information is another woman info with the same name as mine

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There are several accounts reporting on my credit file that isnt associated with my personal information such as social security. I have filed three disputes on these unauthorized accounts that are reporting. The reporting debtors refuse to remove these items off my credit file. I have sent legal letters to these entities asking for deletion. Below listed are the reporting agencies that are reporting negatively. 
XXXX XXXX XXXX Repossessed no balance due! Account never fulfilled WestlakeFinancial- Never Opened ( fraud ) XXXX XXXX never opened or debt owed XXXX XXXX-fraudulent Account XXXX XXXX Social Not matching These items wasnt authorized by myself and wasnt opened with my consent!

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 Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX  received a phone call from Navient representativ    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   am   Offered a forbearance to get loans up but not a income driven repayment plan. Stated this was only for federal loans not private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: It has been brought to my attention that a recent American Express representative whom I 've spoken to over the telephone may have attempted to retaliate against me for explaining to them that I refuse to speak to non-English speaking individuals when dealing with my Creditor. I 've noticed an increase in Spam since that day I spoke with this individual, giving me reason to believe that he and/or multiple individuals at American Express may have given out my email address ( in retaliation against me for expressing my feelings ), which is a clear violation of their privacy policy. This is unacceptable. I have a zero-tolerance policy with any organization I 'm doing business with where representatives feel the need to attack customers based on opinion. 

Given the serious nature of this event, I 'm also going to be forwarding this complaint over to the NSA so  they can understand and prevent American Express from allowing their staff to mishandle confidential customer information, at the behest of an incompetent and uncooperative American Express employee. 

Please respond to this complaint by providing your Privacy Policy as it stands today, and also provide a reason as to why American Express staff have been attempting to go against the rules of Security and maintaining Confidentiality.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX 2016 I was contacted by XXXX XXXX XXXX about consolidating my student debt so that my loans would be forgiven. I was misinformed about the way they were going to handle the debt. I was told that I would pay {$39.00} a month for 3 years, which would go towards my loan and then all of my debt would be forgiven after that. I started to receive statements from XXXX saying that i owed them {$0.00}, so I did n't think any foul play with the company was going on. I had also started receiving messages from Equitable Acceptance that they are the ones who I was actually paying the loan through. One year goes by after me making faithful on time payments to Equitable Acceptance then I received a letter from XXXX for a {$330.00} payment. I call Fedloans to see what was going on and they tell me my account has been past due for months and there were no payments made to my loan. So I called Equitable Acceptance and demand that my accounts be cancelled since I believe they were a fraud company. They told me that my accounts could not be cancelled through them that I would have to go through XXXX XXXX XXXX. I call XXXX XXXX venture many times with no answer, just an automated voice system telling me to leave a message. I called Equitable Acceptance back and they " put me right through with XXXX XXXX ''. I demanded my account be cancelled and they told me it would be within 24-48 hours. I also stopped payment to them through my bank and filed a dispute with the credit bureaus since this was listed on my credit. I also requested from both Equitable Acceptance and XXXX XXXX XXXX my " signed consent '' since I have yet to receive a contract. I am waiting to see what happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: in XXXX I viewed copies of my credit reports. I seen several discrepancies at which time I disputed these accounts with the credit bureaus. several accounts were updated except for a few accounts. I disputed them again to no avail. I then called this collection company " Albuquerque collections '' at which time I spoke with a co. rep " XXXX XXXX ''. I told XXXX XXXX about the account being discharged in bankruptcy. she said that they did n't know anything about a bankruptcy, but would look into to it. she asked me to provide her with all of my information for verification, I did. she then told me she would remove this account from their records and update it with the bureaus. she also said they report to the bureaus once a month and this would in fact be updated within 15 days, which was their next reporting schedule to the bureaus. nothing was updated as of XXXX. I called them again and spoke with another rep. by the name of XXXX XXXX, who also asked me for all of my info. I complied, put me on hold and then she came back on the phone and told me that there was a mistake made previously and that she would in fact correct the mistake and update the account. as of today XXXX, this collection account from Albuquerque collection co. is still reporting this account as an " open account '' with a balance of {$240.00}. my bankruptcy was discharged in XXXX and 8 month later this company is still violating my rights under " the fair credit reporting act ''. about 2 or 3 days after my first call to this co. I started getting after hours phone calls from XXXX XXXX. XXXX '' logo. wanting me to take her out to dinner and wanting to spend the night. XXXX XXXX also told me that they are paid on commission and get a percentage of what they collect. I wonder how many people they sucker in to paying them, especially if they have a legitimate dispute of the collection.

Company response to consumer: Closed