milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the 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 monetary relief
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I use XXXX to monitor my credit score. Recently I paid off many credit accounts. As I was monitoring my score I noticed that Transunion & XXXX were XXXX points apart when normally they 're only a fews points apart. Upon comparative investigation I notice Transunion dropped XXXX points and XXXX rose XXXX points. It appears the credit utilization algorithm Transunion is using, is different than XXXX. Transunion credit utilization algorithm portion appears to be wrong, because it took a single credit card account that I had 87 % of it 's credit used and counted it as if it were my total credit available, which appears to be the reason why Transunion lowered my credit score XXXX points. I find no other negative change that could have caused this. It not only dropped XXXX points, it also penalized me the XXXX points XXXX rose, which combined has cost me an accumulated XXXX points. I can find no other reason when I compared the two credit reports that could have caused these two changes on the same date. 

Being a XXXX I have see these types of issues happen. I 'm curious, who checks the algorithms of these credit reporting software applications, similar to regular gas pump calibration tests? The consistence and accuracy of these applications that Banks are using to justify the rates they lend to consumers are directly impacted the fees. It would n't surprise me if there 's no one responsible for checking these applications that are helping banks to quietly charge consumers, illegally, higher than earned interest rates. In my case it 's XXXX points, which is the difference between Good vs Excellent credit rating. Depending on how much I borrow, this may have cost me higher than legal financing fees, ranging from $ XXXX to XXXX. 

It just so happens that my credit situation is nearly clean that allowed me to notice this discrepancy. 

Please check into this specific issue with Transuion, also inform me of how the government monitors the applications that generate credit reports on a regular bases to ensure there 's no tempering.

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 04/29/2015 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I originally submitted a FHA loan application on XXXX 2015 for a mortgage, submitted all paperwork and paid fees including an inspection I was told when the application was in the underwriting process the house I was buying was a flip and FHA would not accept a property that was flip unless it had more than XXXX days I lost the property and the money the bank did n't tell me that requirement until it was about to close. Then I found another property submitted and application they told me it would be faster and while in the underwriting they told me I had to do an addendum to my tax return I did it and submitted it on time, but the underwriting department did n't look at it because they were out of compliance with the XXXX days so they close the case and did n't consider the evidence making me loose more money again. I lost over {$1400.00} dollars on this because of the Banks inability to look at a file within their time frame

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is for both Federal and non-federal. I 'm writing to see how I can be included in the current Navient lawsuit. In 2014 I know I also made a complaint. Navient has : applied my payments wrong, refused an IBR payment plan and has refused to take a cosigner off, as well, as harassment. I have notes from 2014. This is has cause me a lot of money and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police 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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.

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 07/13/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX XXXX XXXX XXXX that I paid off and closed the account several years ago but it is still showing up in my credit report as being open. I would like to have this account removed from my credit report as it is no longer active.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I was contacted by XXXX saying my M & T mortgage was 3 months late and was up for foreclosure. I should have checked, I was actually only 2 months behind, almost. They instructed me to do a modification mortgage. They said, " Do not make your XX/XX/XXXX payment and the modification can start and lower your monthly payment drastically ''. I did as instructed like an XXXX. XXXX was to b my first payment. They set up a time and date for me to call in my payment. XX/XX/XXXX and XX/XX/XXXX was the same appointments. I was only allowed to talk to XXXX. No one else could take my payment. At the end of XX/XX/XXXX, they told me to wait on a letter and mail my payments with the slips to M & T. XX/XX/XXXX I finally get the letter. They said my payment would not be counted late since they did not have the paper work ready. But even though I mailed in my payments when they said for XX/XX/XXXX, XX/XX/XXXX and XXXX, they counted them late. I paid my payments to who they said and did what they said when they said and they reported me as 120 days late on my credit reports. Then, they tell me to give it time and my credit report would straighten itself out. No, it still has not. And my payment went down only XXXX bucks and they added XXXX grand to my mortgage. I have petitioned the credit bureaus twice about this unfair reporting and M & T 4 times and XXXX refuses to talk to me. I just want the six months of on time payments to show as on time.

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 06/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I had deposited a check on XXXX XXXX 2014 via mobile deposit for {$350.00}. On XXXX XXXX, {$350.00} was taken out of my account as a credit adjustment and when I contacted Wells Fargo they informed me that I had made a duplicate deposit of the same item on XXXX XXXX. but I never made that XXXX deposit. I went to a Wells Fargo branch and after sitting there for hours trying to figure out where they were seeing this duplicate deposit, they informed me the check had been deposited into her wells fargo account. I filed a fraud claim right away and went down to the police department and file the police report because somehow this woman had stolen the check and which I did not endorse the back of it. therefore Wells Fargo had accepted a non endorse third party check to be deposited which is against their policy so for Wells Fargo to cover their mistake of negotiating the duplicate item, they withdrew the money from my account to pay this woman. it has been a month and a half and they still have not refunded me {$350.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have received notification of a late monthly payment from GreenTree now called Ditech Financial LLC ( I think ). I previously requested supporting data from GreenTree of what month a payment was missed. I did not receive documentation to support that. I did get paperwork that looked like creative corporate accounting of late fees and interest charges. 
I pulled about four years of automatic payment records ( my mortgage payment has been set up to automatically pay every month for over 10 years ) from my credit union ( XXXX ). What I saw was a faithful printout of the monthly mortgage being sent out like clockwork at the same time each month for years. 
I do n't know where or why there is a discrepancy, but there seems to be. I suspect that GreenTree and now Ditech Financial are racking up fees and interest charges. 
I 'll say the same thing now I said before " show me the month that the payment was missed and I 'll pay it ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with Neighborhood Assistance Corporation of America ("NACA") (CO).
Issue: Application, originator, mortgage broker

Complaint: My wife and I have been working with NACA ( Neighborhood Assistance Corporation of America ) to buy a home. I had quite a few issues with communication and our first housing coordinator. I requested a new one after being told that we going to underwriting and communication stopping. I climbed the ladder with phone calls and emails and after two weeks was assigned a new counselor. He pulled my work history, and more duplicates of financial documents that i have submitted multiple times, gave me a housing price and told me we were going underwriting. He has said he would call, which was last wednesday, and I have called multiple times to see if they need anything else and to see if we made it to underwriting. No one has returned my calls, or emails. The file does not have notes as everytime I talk to a customer services representative, they say their are no notes. I have submitted over XXXX types of financial documents and upset that I have been jumping thought hoops since XXXX, paid XXXX dollars in fees and have no answers

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 08/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX billed my old card and I recently moved from XXXX to XXXX and they never got into with me to let me know that my final bill was in collections. Now I 'm recently in the middle of a mortgage loan and they advise me that XXXX was on my credit report so I called and paid the final bill, they will not remove it from my credit and I owe them nothing now. I also requested a XXXX balance letter and I have not received it yet. This is a big issue and they will not resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They keep calling me at work even though they have been told multiple times not to. They should know because of the type of business I ca n't receive calls. I also have no debts they could be collecting on. I 'm not going to verify my social security number or birthdate with some random person who calls me. 

First call : XX/XX/2016 XXXX Expressed my displeasure in them calling me at work. They asked me to confirm last 4 of SSN. I refused. They told me I could give them birthdate instead. I said no, I do n't know who you are. I 've never heard from your company. They would n't tell me anything about what they were collecting until I confirmed info. XXXX XXXX Unknown date. XX/XX/2016. " XXXX '' left VM on office phone. XXXX ( my boss ) called back and said " I do n't want my voice recorded. Do n't call here again. '' XX/XX/2016 XXXX Called about " personal business matter ''. Spoke to XXXX. He told them I am not allowed personal calls at work. 

XX/XX/2016 XXXX Called again. XXXX told them not to call here.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I FILED A DISPUTE WITH TRANS UNION BACK IN 2014 ASKING YOUR COMPPANY TO VALIDATE SOME ACCOUNTS THAT YOUR COMPANY WAS ALLOWING TO BE REPORTED TO MY CREDIT REPORT THE ACCOUNT WAS DELETE THAN REINSERTED BACK TO MY CREDIT REPORT STILL NOT BEING VALIDATE PLEASE CORRECT THE ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX SHOWING XXXX TIMES ON MY CREDIT REPORT SAME ACCOUNT NUMBER XXXX I DO NOT HAVE XXXX STUDENT LOANS HOW COULD YOUR COMPANY ALLOW THAT TO REPORT TO MY CREDIT REPORT. 
PLEASE VALIDATE OR DELETE THE ACCOUNT I CAN PROVIDE DOCUMENT SHOWING YOUR COMPANY DELETED THE ACCOUNTS IN QUESTION NOW THEY APPEAR BACK ON MY CREDIT 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 non-monetary relief
Consumer complaint received 04/18/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: The account has been brought up to date and is still reported late, and the wrong amount do I submitted doc 's to show the account is current, report is not report correctly, the company do n't appear to care about the harm this is causing 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 monetary relief
Consumer complaint received 10/19/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (AZ).
Issue: Unauthorized transactions/trans. issues

Complaint: The prepaid card was redoing the system and while it was doing that, customers didnt get their direct deposits as normally scheduled. I wasnt able to speak with a customer service representative nor was I able to logon to my account. I received my deposit and used it, seemed a lot more than it should have been, I attempted to contact them and still couldnt get through to a representative. I now check had to redo my online account with a new password and when I was able to logon I see that they had depsoited my funds twice. Now, I had a payment plan on a bill that due to the deposit not hitting my water was shut off and I had to pay the full balance instead of the payment arrangement. I now see that they are trying to reverse my car payment that posted XXXX/XXXX/2015. I attempted to call 4 times right now which is my lunch break at work and it just rings and after the XXXX ring it hangs up on me. I have been a customer for over 3 years and I am not liking how things have been lately. I have been through on unauthorized transactions and taking forever to get those reversed and other things, but I cant deal with reversing my car payment. I will seach legal counsel since it seems like there are attorneys that are working on suing them due to the system being down and unable to speak with a representative nor able to access funds on dates that they are always available on. I didnt put the funds in my account twice and neither did my banking institution. I didnt use all of the funds that were in my account, due my unknowing where they came from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  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 09/15/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I told them this was an accident in my neighbors yard & that neighbors home insurance was supposed to cover this medical bill

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 12/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested information/ validation on this debt bearing my signature and have not received anything stating that I owe this debt. I have included numerous certified letters of dispute for validation bearing my signature have not received anything included in this complaint .Midland have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Midland Funding, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with non-monetary relief