milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Last XXXX XXXX, XXXX, I wrote this company a letter to dispute certain incorrect information being reported, particularly public records. Clearly, the status of these public records is incorrect. I have verified with the courts that the liens have been withdrawn last XXXX XXXX and dismissal of the bankruptcy reported was last XXXX XXXX, Attached to this complaint is a copy of the letter I sent this company and the new letter I am sending this company.

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 07/15/2016 about Debt collection (Medical) with Debt Management Incorporated (MA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: The details of my complaint can be found in the XXXX attachments. I am not very good with the internet so please let me know if my attachment process has failed XXXX XXXX XXXX XXXX XXXXXXXXXXXX ). 

We were referred to XXXX dba New American Funding by my broker XXXX XXXX of XXXX XXXX, Wa. XXXX XXXX XXXX XXXX reviewed all our information and qualified us for the purchase of a {$400000.00} house this XXXX and issued a guaranteed lock in XXXX XXXX with a close on XXXX XXXX. 9 days later XXXX XXXX admitted to her negligence and, instead of resolving her negligence legally, began a process of bait and switch. As of this writing, it appears that XXXX XXXX will default on her committment, causing us to lose the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with Atlanticus Services Corporation (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2017 about Debt collection (I do not know) with National Collection Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (DE).
Issue: Loan modification,collection,foreclosure

Complaint: This is a formal complaint against PNC BANK and XXXX XXXX my point of contact in the loan modification department. We applied for a loan modification twice. The first time we were turned down because the documents sat in the loan queue until it expired. XXXX XXXX informed us to reapply. so we did, the second time I called her numerous amount of times to informed her that our finances had changed and she responded to the voice message I left her XXXX month later informing that we were DENIED. I received that denial letter on XXXX/XXXX/XXXX saying that the modification was denied because of finances. XXXX XXXX, XXXX We received another letter that we have another point of contact. We decided to go with a housing counselor the name is XXXX community housing in Delaware. We have working with XXXX XXXX because our house has gone into foreclosure. XXXX XXXX was the most unprofessional representative I have ever came in contact with. While specking with her over the phone she yawned several times in my ear with no apology as if I was bothering her. We want to save our home. We feel that we were unfairly represented. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Trouble during payment process

Complaint: We thought that we could get a lower rate from 4.95 %, principal balance forgiveness or some sort of assistance, we were asked to put in for a loan modification to get help. What we got was an interest rate of 4.95 % which is what it supposed to be anyways plus a final balloon payment ( over 139,000 ) -a rip off. You advertised on your website that you are committed to helping home owners with home retention, so how have you helped us? You asked to a bunch of documents, we sent them in for assistance, what we got is a total rip off. Attached are supporting documents for the interest rate of 4.95 % which is where were at prior to the first mod.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I spoke with the creditor once and told them that I was investigating this as I had received several different bills from this medical company. I asked for any documentation that they had to tell me of this bill. None was supplied. No terms of payment were supplied either. After I sorted through my information I was unable to tell if this bill was accurate. Then, it shows on my credit report several times for a total of {$650.00} on Transunion and XXXX reports. Please remove this from my report as I have paid it as of XX/XX/XXXX and will continue my investigation as to where it come from. I will expect a full refund if this is inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX, I attempted to access my Experian credit report at experian.com, as I was denied credit due to a false negative item on my credit report. After entering my personal information to access my credit report, I received the error message " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. I had also received the same message several times in the previous year. 
On XX/XX/XXXX, I was able to speak with a representative after several failed attempts to do so. The representative did not have a solution the error problem, but signed me up for an Experian membership which would allow me to access my credit report. Unfortunately, it did not allow me to have full access to my credit report, so I had the representative send a copy to me via US Mail. 
The credit report was delivered today, XX/XX/XXXX. I found the incorrect negative information on the credit report and went back to experian.com to file a dispute. I entered all of my information into the online dispute form, including the Experian issued report number the instructions said were needed to file a dispute.I clicked the submit button only to get a response of the same error I have gotten for the last year : " We are unable to honor your request. If you entered your credit card information, we did not charge you ''. 
It is extremely unfair that Experian has control of individual 's credit histories when their systems are not allowing access to a person 's own credit records, or access to a customer service representative, either online or by telephone without excessive difficulty. My good credit history is being damaged due to incorrect credit information held by Experian, which I am unable to access or correct due to their failures and I need assistance resolving the issue.

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 10-09-2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Unexpected or other fees

Complaint: My wallet was stolen with my debit cards issued by XXXX XXXX ON XX/XX/2017. 
I called XXXX XXXX and after much hassle getting through to a live person, I reported my credit cards stolen. This was approximately at XXXX XXXX. 
The representative told me new cards would be issued but after a week nothing happened, so I contacted them again and the representative DID NOT CANCEL THE CARDS AND REISSUE NEW ONES. 
The thieves used the debit card by using it by purchasing goods using the credit instead of debit ( I 'm guessing ) and they racked up over {$1000.00} of sales, this was all done AFTER I HAD REPORTED THE CARDS STOLEN. 
It is almost impossible to get through to anybody at this banking institution and when I do they either put you in a loop or hang up. 
My last transaction was at Approx XXXX on the day my truck was stolen, XXXX # XXXX reported at approx XXXX XX/XX/2017. 
My last transaction was a cash withdrawal at an ATM AT Loves Truck Stop in XXXX, Ca, at approx XXXX XXXX I contacted this bank after one week of nothing showing up with replacement cards only to find out THEIR EMPLOYEE DID NOT DO HIS JOB, thus allowing the charges to accumulate AFTER THE CARDS WERE REPORTED STOLEN. I am out over {$1000.00} that to this day 3 MONTHS LATER has NOT BEEN REPLACED. 
Terrible customer service with what seems as a do not care attitude, which really rubs me the wrong way being a XXXX XXXX XXXX and this is supposed to be a caring institution for active service personnel and XXXX HELP!! 
XXXX XXXX XXXX Current Acct # XXXX, I do not remember or know the Acct # that was reported stolen but if they have ANY CLUE as how to operate a banking institution CORRECTLY, they will know the acct # that I am referring to. At the time the cards ( and my wallet ) were stolen there were XXXX acccts, XXXX for my SS BENIFITS ( money I earned and paid in for over 40 years along with my employers, I DO NOT CONSIDER THIS Government assistance, as it is MY MONEY, paid by ME, to assist me when I retired, and XXXX XXXX for my XXXX dealing with XXXX XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Wells Fargo business checking account which is linked to my Wells Fargo Mortgage account. Wells Fargo has linked the XXXX accounts, I am able to make a mortgage payment directly from my business checking account. 

We have an auto-draft for the mortage from my wife 's Wells Fargo personal checking account and have a monthly mortgage payment auto-draft on the XXXX of each month. 

I elected to pay my XXXX XXXX, XXXX using my business account. 

Wells Fargo still drafted my wife 's personal account and did not recognize the payment had been made from the business account. 

My wife had the transaction from her personal account and the overdraft fee reversed by a customer service rep after explaining what happened. 

On XXXX XXXX, XXXX the transfer of funds from the business account to the mortgage was reversed by Wells Fargo. No one from Wells Fargo reached out to inform me that this action was taken and it was only through complaining to the bank, in writing, and talking to representatives and looking at my account, that I learned the transaction was classified " incomplete '' and reversed by Wells Fargo. 

Wells Fargo subsequently deemed the payment, " late '' and entered derrogatory information into my credit history which will not be removed by the bank until XXXX. 

I am a XXXX and have the money to pay my mortgage. The XXXX XXXX payment was not a matter of missing a payment, it was a matter of a transaction being reversed by Wells Fargo.

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 08/16/2017 about Debt collection (Medical debt) with Grant Mercantile Agency (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diverisifed Consultants, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has been destroying my credit and hounding my phone about a debt with XXXX. I informed them I havent had a XXXX account in a very long time as my phone service is thru business accounts. I asked for a deb validation letter. I get the letter and it provides a bill summary with no details and the dates are for XXXX. I know for a fact i did not have service with XXXX in that time period and can prove it. Also I have not lived at the address listed on the bill in over 7 years so I know this is not my debt. I am attaching a copy of the bill that was sent to me and a copy of the letter from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I never received any certified proof of claims. I asked for certified proof of claims from all companies listed

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: A unathorized charge was charged to my account and Amex refuses to issue credit. This charge is unauthorized and therefore not legitimate. This is because a booking was made in error by a person not unauthorized to use this card. This error was due to my card number being saved in a website ( XXXX ) the person did not realize my details were saved and subsequently made the charge. When this error occurred I immediately contacted the merchant to cancel the charge or refund. Despite all good effort to work with the merchant on this issue we were not successful as they refused to return phone calls to rectify the error. 
During the dispute the merchant provided American Express a copy of the bill/invoice. I would like to state that this should no be counted as supporting documentation as this merely shows that my card was charged for the said amount and does not show I authorized this charge. We already know my card has been charged for this amount so a copy of a bill is irrelevant to my claim of an unauthorized charge.

Company response to consumer: Closed with explanation