milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I haved a mixed file on my transunion credit report  XXXX  bankruptcy

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 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.

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 07/19/2016 about Mortgage (Other mortgage) with TD BANK US HOLDING COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: After a relatively smooth mortgage application process, the mortgage processors have been TERRIBLE. The first two service agents I was assigned have left the company, and I was not notified that no one was processing my application. I have been unable to get in contact with any processors to discuss my loan status, and the closing date is supposed to be in two days. Despite numerous phone calls over the past two weeks, prompt responses to all requests for information ( even duplicate requests ), I have not had any information from TD Bank. I have requested to talk to supervisors, or have someone contact me, but no one has made contact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquiries were removed from my credit Inquires I recently checked my credit report and see that inquries have been reinsert ed and I was not given a 5 day notice.

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 12/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   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 06/15/2016 about Bank account or service (Checking account) with BB&T CORPORATION (DC).
Issue: Deposits and withdrawals

Complaint: BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.

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 04/27/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...

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 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted through IC System regarding a debt that was owed to XXXX XXXX XXXX.Because I disputed the validity of the debt additional documents including a contract and proof they were authorized to collect was sent on XXXX XXXX, 2016. See Attached. The documents sent do not support IC systems being licensed to do business within the state of Georgia.

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 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: EVERY CREDIT COMPANY THAT I TRY TO GET MY SCORE FROM IS STATING THAT I 'M 'NOT WHO I SAY I AM.. AND EVEN THROUGH MAIL I CANT GET MY REPORT IN MY HAND. I HAVE A LOT OF ISSUES WITH EXPERIAN ALLOWING CREDITORS TO REPORT THE SAME INFORMATION ON MY REPORT JUST CHANGING THE AMOUNT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with M.A.R.S., Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection account was established on XXXX XXXX, 2011, for breaking a lease due to a military XXXX with proper XXXX indicating XXXX dates. The balance on the account has always been {$0.00}. XXXX XXXX XXXX told me that there is nothing they can do about it being a collection account on my credit history. This is also listed as derogatory on my credit history and I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX2018 XXXX XXXX XXXX ran my credit for no reason knowing that my family member did not need a co signer they just ran it to run it. I got 3 hard inquiries.They ran it through XXXX XXXX XXXX and XXXX. i ask them to call the financial and to get them to take it off my report they denied saying it want hurt my report but recently i applied for a credit card and was denied because of all the inquiries. I would really like for these three to be pulled off all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a Credit Report from Experian on X/XX/2017. There are multiple unauthorized requests for my Credit History I contacted Experian and requested they investigate and eliminate inquiries and they refused

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 11-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Deposits and withdrawals

Complaint: Hi, Chase made a new policy about printing bank statements. I went to my local branch in XXXX XXXX ( though I believe it is now a company policy ), and they claimed that they will charge me {$6.00} for a monthly statement printout. I believe this is unfair, both the amount charged and the fact that they are willing to charge this amount. I am basically requesting a printout of a receipt for which they are charging me .... This is especially vexing as it is not a closed transaction. What I mean is that my bank account is always active, vs. a transaction at a store. I would like something to be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX incorrect information. 
Previous balance of {$3000.00} was the original purchase in XXXX, was never late since the interest was 0 % for 1 year or 23 % if not paid in full. original purchase was paid in full back in XXXX, then additional purchases were done and was again paid in full in XX/XX/XXXX as will show the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. 

First I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled " Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. 

Today I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. 

Meanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. 

It almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: In reference to a previous case with cfpb XXXX this loan is not involved in a active litigation. Complaint and Request for Qualified Written Response ( QWR ) from J.P. Morgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX BANK OF AMERICA BANK OF AMERICA credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : BANK OF AMERICA XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature 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 03-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing/Cancelling account

Complaint: I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.

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 02/19/2016 about Debt collection (Credit card) with Direct Recovery Services, LLC (MA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!

Company response to consumer: Closed