milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XX/XX/2018 I used the free credit reports website to access and print off all three of my annual credit reports. My name is unusual, and all three had multiple incorrect listings. I attempted to alert them to this, but the only avenue they provide is as a dispute, which must be handled they say via email. So email address and, weirdly, a password were required. Today, XXXX XX/XX/2018, I received an email from TransUnion congratulating me on being signed up for their service, only {$19.00}, no word or way to correct the names listing, and no email reply accepted. So I went to their online customer service page, which provides a phone number. Which I called, waiting some minutes, and finally spoke with " XXXX '', poor man. XXXX required my social security number, name, mailing address, pulled up my file, listened to my request to correct my name, then started telling me he had to ask me questions to verify my identity -- the same questions I'd answered the day before online. By now I'd spent 40 minutes on this and was becoming angry. He began asking the questions, but began to break up so I could not hear the multiple choices to answer, which I told him. I also said this was a ridiculous way for TransUnion to behave, apologized for my angry voice, that I wasn't mad at him but at his company, and that I couldn't hear him and was going to hang up. I also said I was going to complain about this bait and switch, starting with my state 's attorney general, and I hung up. I didn't contact the attorney general, I contacted you. 

My last name is two separate and equal words, which computers sometimes can not handle. Even so, I have had to correct only one account in the last 20 years, with XXXX XXXX. So there is no reasonable explanation for all these aliases. I also have two middle names, which complicates things somewhat but honestly, it can't be impossible in this day and age to get somebody's name right. Social Security can. I bet the IRS can, too. OK, that's it : incorrect names and trying to say I signed up for a service I did not sign up for when they know perfectly well they can themselves report my failure to pay them as a ding on my credit. Pretty furious at them. Hope you can 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 11-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with HomeTown Lending Partners, LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my mortgage on  XXXX   XXXX . I locked a rate with Guaranteed Rate.  XXXX   XXXX  from  Hometown Lending Partners  was one of the last to respond that day. I told   XXXX  I  was set with who I was going with, because I assumed he could n't beat what I had, since everyone came in around the same rate.    XXXX  sent me a rate that was lower. I told  XXXX  that I definitely would like to go with him then.  XXXX  and I had been in contact over the next few weeks.   I had locked with Guaranteed Rate, so before I gave up that lock, I wanted  XXXX  to provide the loan estimate. He sent me an estimate under terms that I would 've agreed to. I told Guaranteed Rate that I was going with  XXXX , so they said they 'd release the lock. I was in constant contact with  XXXX  and sending him my financial documents.  XXXX  never said he needed everything to lock the rate. Guaranteed Rate did n't require all my documents to lock. As I got the last of my documents in,  XXXX  sends me the papers to sign. He does n't bother to call or email to mention that if I sign them, I 'll need {$12000.00} as a down payment. The original terms had a very small down payment less than {$500.00}.   I asked  XXXX  why he did n't lock my rate and he acted like he did n't know that was an option. I asked  XXXX  for his  manager  's info. I spoke with his manager  XXXX   XXXX  and he basically said they need something from me to lock, and he acted like locking a rate was rarely done, and said that rates went up, so there 's nothing they can do.   They sent a fake estimate, lied and acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help 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 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was supposed to be included in XXXX settlements with my lender XXXX XXXX XXXX and XXXX the servicing company ( Bayview Loan Servicing llc ) will not included me in any of them. I have ask for a copy of the print out from the portal showing me any printout saying I do not qualify they just keep sending me letters saying they do n't have to see attached letter. I worked at XXXX XXXX XXXX and I know better my loan was supposed to be included all they way back to the first suit in XXXX so I need help getting all printout from them They are afraid I am going to sue them for fraud. Also I had a mod in XXXX and paid on it for eleven months and then XXXX decided they did not want to do it anymore and stopped taking my payments. 
Please see attached letters from Bayview Loan Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a medical collection reporting on my credit report from a company I do not have any recollection of doing business with ( XXXX. ) I have disputed multiple times with Equifax, only to have them reaffirm the account without providing any proof that the account belongs to me. For this reason, I want the account removed. I have disputed the account three times only to have Equifax update the account information, not provide me with information, and continue to mar my credit report. I am losing out on credit because of this, and this is my last resort to ask that it be removed off my reports before seeking legal remedies. It is not reporting on ANY OTHER CREDIT REPORTING AGENCY. Equifax has inserted this without proof it is mine, and continues to report a collection that is not mine on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Debt collection (Credit card) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Loan) with STATE FARM BANK, FSB (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a loan with StateFarm Bank using my father as a co-signer. I do not receive any statements, electronic or paper, for the account. 

I intentionally paid extra on my loan a couple months in a row, and StateFarm took me off of auto-pay. I was not aware that my loan was no longer auto-debiting from my account. This cause me not to pay the loan for 3 months. 

I did not receive a statement, an email or a phone call regarding the account. All communication went to my father who did not inform me I was late on my loan payment. 

This now will negatively affect my credit score and his. 

Once my father informed me he had been getting mail from state farm, I called to check on the account. 3 times I was told the account was current and no payment was required. 

I have gone into the account to request a paper statement be mailed to me, but the website says I am " not eligible '' for paper statements. However I am the one paying on the loan! I am not even able to review an online statement! 

This is unacceptable. I should be informed about what is going on with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Payday loan debt) with Integrity Solution Services, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company continuously calls my cell number and place of employment saying that they have legal documents to serve me. Company name is  XXXX  and they wo n't give me information except that I owe money and they want to settle on the spot and if not they will take legal action. They have all of my information and I wo n't confirm with them. I have told them if I owe money they can send me a debt validation letter, which I never have received. They tell me they have emailed me and I told them that is not the law. These people need to be stopp ed ASAP. T hey make life a living  XXXX  for people or try to.   XXXX  I have received calls from  XXXX ,  XXXX ,  XXXX  ... .and other numbers..

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 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Payoff process

Complaint: Paid the balance due in full and then was charged interest - they claim it was because interest accrues daily and the statement balance is not the real balance. NOTHING stated I should call for a payoff figure this is not a car or house loan it was a credit card. The balance due is the balance due I paid the balance shown on-line on XXXX before the due date of XXXX. Why are they allowed to charge more interest?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union failed to follow Federal Law and remove items identified and possible ID Theft from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AZ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have contacted XXXX XXXX XXXX in regards to a Discover credit card account ending in # : XXXX that was opened fraudulently in my name and someone using my personal information. Discover continues to hold me liable for the fraudulent account and charges that arent mine and dont belong to me. I contacted my 2 U.S. Senators from Arizona, Senator XXXX XXXX and XXXX XXXX and informed them of this matter. Senator XXXX and XXXX sent me a letter and informed me that they will look into this matter, contact XXXX XXXX XXXX seeking a resolution to this matter, and possibly call senate confirmation hearings for executives from XXXX XXXX XXXX to appear at senate confirmation hearings due to receiving similar complaints from other constituents in their district.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: To Whom It May Concern : I sent a certified debt validation letter to XXXX XXXX XXXX that was delivered on XXXX/XXXX/XXXX. This letter advised that I recently pulled my credit and noticed a collection from their company. By law, they 're required to validate the debt, not verify. I received a mailing from them dated XXXX/XXXX/XXXX and it was a front/back page copy of a bill from XXXX. This type of information is n't sufficient for debt validation. Especially in the event of identity theft. 

I then sent a certified method of validation to Equifax and the letter requested that they send me proof of all records in their files for the above referenced account establishing the method used to validate debt. I am required this information by law. 

Equifax did not send me such validation of debt. Instead, they sent me an updated credit report, advising the debt has been " verified '', not validated. 

I 've sent the same " method of validation '' letter to both XXXX and XXXX and they 've both, since, deleted the above referenced account from my report. 

I 've attached copies of the letter sent to the collection agency/Equifax, a copy of the documents received by the collection agency and records from XXXX/XXXX showing this same file was deleted by them. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Auto) with DriveTime (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted Drivetime ( as it shows on my credit report ) and was told this is now XXXX. I contacted XXXX about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification

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 12/13/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed debt ownership. Never received validation, removed. Re-added today. XXXX XXXX XXXX client, account # s do n't match.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.

Company response to consumer: Closed with explanation