milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It  May Con cern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Wh om It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) list ed below are as follow : Please update to the correct address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY  CURENT ADRESS ADD RESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accorda nce with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request t hat you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, purs uant to 15 U.S.C. 1681i ( b ),  I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and comp leteness of the item ( s ) i n question, including the business name and contact information of any furnisher within  15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law  to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 04/24/2017 about Debt collection (I do not know) with Northwood Asset Management Group (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NH).
Issue: Managing the loan or lease

Complaint: BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (AP).
Issue: Managing the loan or lease

Complaint: My 2015 XXXX was paid off and sold on XXXX XXXX. On XXXX XXXX Honda Financial Services ( HFS ) sent a letter saying {$320.00} is still owed though no explanation was given for the payment shortage. Since then it has been impossible to get Honda to furnish me info in any way. Copies of my XXXX communications and the letter w/attachments I sent on XXXX XXXX are attached. To this date, XXXX XXXX, HFS has not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Bureau, My name is XXXX XXXX. My loan # with Nationstar is XXXX. Previously the original loan was done with XXXX then sold to XXXX XXXX XXXX. XX/XX/XXXX due to the real estate crash XX/XX/XXXX and loss of income we were not able to continue making our payments of {$2100.00} We have gone though the modification " torture mill '' with XXXX XXXX XXXX for several years then Nation-star for over a year now who had repeatedly denied our modification even after being qualified with the HUD agencies . I filed a complaint with cfpb and now they have decided out of fear to give me a trial mod of {$3800.00}. From {$2100.00}. to {$3800.00}, Now this is just setting us up to fall on our face again. The loan amount is over is {$130000.00}, more than the market value. 
When I contacted them today and spoke to XXXX in loss mitigation, she told me that I can either short sale the property or just sign a deed in lieu. Please help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To have on several occasions to have negative items removed from my report. But to no avail. I have also disputed several things on my report but they are still there. Also there a number of hospital bills on my report that the hospitals are trying to get paid twice for and XXXX have already paid the bill. I have tried to clear these things up but the creditors keep selling my so called depts and that is illegal.

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 09/14/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an alert through XXXX XXXX that a collection had been placed on my credit. I have perfect credit and never paid a late pay in my whole credit history. The day I received the alert I called Central Financial Control XXXX Syndicated Office Systems and they could not pull up an account using my name, address, phone number or birthdate. I explained that are trying to collect a debt using the incorrect social security number. They requested I fax them my information to their Inquiry Resolution Center, which I did on XXXX/XXXX/2015. They said IF it was clear the debt was not mine, it would be removed. Several days later I get a new Alert stating Central Financial Control has opened a new account in my name. I called again and now they are saying I have to report this to the police. They continue to place collections on my account for the very same XXXX, to which I have never been, and I do not even live in the city XXXX. The entire situation was handled poorly. And they have ruined my credit. My XXXX score has dropped nearly XXXX points from this error. They are not helpful in resolving the issue. It is still not fixed. I have been going in circles for XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On or about XXXX XXXX, 2016 i have notified Navient Loan Servicing about a Student Loan that was being reported to all XXXX credit bureaus with my personal information I have submitted a formal dispute under the Fair and Accurate Credit Transactions Act about the student loan account XXXX a total of XXXX accounts where being reported all having the same account number. I submitted a original copy of a police report per there request however they still continue to report to the credit bureaus that the account is valid. I also requested validation of the debt in which i received no response from Navient Loan Servicing proving that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.

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 01-12-2018 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: Account information incorrect

Complaint: I had fraud on my account. XXXX XXXX did send me a new card and credit back the fraudulent charges however they reported the balance to the credit companies ( Transunion and XXXX ) and my score has dropped drastically .This needs to be fix asap

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: in the past synchrony bank care credit was made to repair repeated wrongful credit reporting ... now they keep raising the balance on my closed account that i am paying off with no valid reason..they also refuse to delete my bank information

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 08/22/2017 about Mortgage (FHA mortgage) with Servis One, Inc. (NJ).
Issue: Trouble during payment process

Complaint: BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX. 

On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. 
The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. 
This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. 
I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. 
This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.

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 10-01-2016 about Credit card () with Resurgent Capital Services L.P. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone opened a credit card with XXXX.This was not my doing account went into collections and now LVNV funding llc is trying to collect this debt. Please remove this debt from my credit report it is effecting me dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms.

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 08/21/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I live in the state of California, last year XX/XX/XXXX I took out a loan with cash call, was told they did not do loans under XXXX but I could repay back what ever amount I wanted right away and that would bring my payments down and the amount I would owe, well I did n't repay a large amount back, I have been paying I. This loan for a year, I have already paid them XXXX on a XXXX minus fees loan, they have taken out late fees without notification to me from my account putting it negative, and numerous XXXX fees I have paid to my bank every other day they try and pull the money out of my account on several occasions I have made payment arrangements that were not documented, this month XX/XX/XXXX I had unexpected expenses and received an email saying they can help me so I responded to the email and no response back I waited 3 days and still nothing, now I sent another email still no response I keep getting phone calls, I read that XX/XX/XXXX that cash calls license was suspended for up to 12 months how is it possible to get a loan the next month, I feel that my loan is illegal I also read how to respond to a illegal loan so am am going to take these steps, first send them an email explaining that I am revoking the ach and any wage garnishment study they may try to do do to their license being suspended when issuing my loan, also close my bank account and request a refund of all monies I have paid to the company, I feel this company should be shut down and not allowed to give any loans to anybody I will not ever do another loan like this this has ruined my life, my relationship, and I will never regain any of it back, I feel this company should have to pay every cent to every person they loaned to especially if it was illegal, I am not saying that because I do n't want to pay back the loan, I would be willing to only ask for the extra money I paid to the company besides the principle amount of the original loan, I have over probably a XXXX dollars in late charges from my bank from this company, and would ask for them to pay back that money as well, I want to know how this can be fixed and my life back to normal. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has been calling my home number literally for years. They never leave a message. I see their name and number on the caller ID and then block the number, but they continue to call using other numbers. I 've lost track of how many numbers I 've blocked. We have never received written notice of any debt, and owe no collectible debts, as we have superb credit. They call often, from any time in the morning to late in the evening. I 've emailed their complaints department several times to no avail. I will not answer their harassing phone calls, and am hoping that the CFPB can intervene and help stop these unwanted calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (ME).
Issue: Can't contact lender

Complaint: Received an unsolicited email from " Cash Central '', via " XXXX ''. I did not apply for a Payday Loan, on XX/XX/2017, as the email states. Also, In the body of the email received, It alleges I have " Too Many Direct Deposit Accounts, as well as unable to verify residence. I attempted to contact " Cash Central '', but was unsuccessful.

Company response to consumer: Closed with explanation