milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I have been in contact with transunion about removing a unverified account on my report. They haven't provided me with any documentation on how the account is verified but they still keep updating it without any proper documents confirming that the account belongs to me. A certified letter was sent out XX/XX/18 again for the 5th time. You stated these items were " verified '' and reported correctly? Who verified these accounts and why havent i seen a copy of any original documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised also section 611 ( 5 ) ( A ) of the FCRA you are to promptly delete all information which can not be verified. I have the info deleted from one credit report ( XXXX ) and transunion should follow suit since they can't verify the account to be mine. I have included proof of the deletion from XXXX also.

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 01/17/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help. 
Loan number : 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 non-monetary relief
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 0n XXXX XXXX, 2017 I received a letter allegedly from the XXXX XXXX XXXX XXXX  attempting to collect a student loan by Treasury offset. On XXXX XXXX, 2017 at around XXXX XXXX., I placed a call to the number listed in the letter ( XXXX ) in an attempt to get more information on this account. I was told by the person that answer the call that the total amount of this alleged debt was over XXXX. I told the employee that the amount was totally wrong. 
In the letter the total amount of the debt is listed as around XXXX ( copy attached ). 
The number listed on the letter belongs to XXXX XXXX XXXX XXXX, a loan servicer and a debt collector. It is not clear who is trying to collect here and what the amount of the debt is. 
On XXXX XXXX, 2017 I sent a certified letter to the XXXX XXXX XXXX XXXX requesting validation of this debt ( copy attached ). To this point it is unclear if the letter I received was sent by XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX. 
I am a veteran and after honorably serving this my adopted country with pride at least I believe I could request that the CFPB help me with the investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, A supervisor in the Loan Administration section reviewed the court filings on the Iowa Clerk of Courts Website regarding the foreclosure action filed by Wells Fargo Home Mortgage. While I understand your concerns, many civil actions and court proceedings that are filed within the court systems are documented on the county websites by law, and also a matter of public record. Also, I believe the information can only be removed by the order of the court. 

You may also be eligible to purchase a home using another VA home loan, but lenders will most likely want to see you reestablished credit and made satisfactory payments for at least 12 months after the foreclosure. Our records show VA paid a foreclosure claim of {$3500.00} to Wells Fargo. You would need to pay VA back this amount for full restoration of your home loan benefit. However, you have VA home loan bonus entitlement available too. When you are ready to move forward with purchasing another home and would like more information regarding your VA entitlement, please contact our XXXX XXXX Department at XXXX, extension XXXX. 

I hope this information helps. 


XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with Receivable Management Group, Inc. (GA) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid last year in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Closing/Cancelling account

Complaint: I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. 

The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. 

I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 
3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). 

They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. 

I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student debt was resolved paid in full back in 1999 when 4years of income tax returns were offset for the debt but XXXXand? Never Applied offsetc towards the student loans! I have tried working Department of Education IRS the treasury Department and the Bureau of fiscal management since the year 1999 to present day ombudsman reviewed and investigated this but could not get the original accounting from XXXX XXXX and asked me to get it in the meantime Federal servicing XXXX XXXX put my loans in default when they were asked not to I need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was originally with XXXX Bank XXXX in XXXX NJ. XXXX Bank took over XXXX Bank in XXXX 2015. From XXXX to XXXX my statement reflected no payment coming off of principal. It changed from the XXXX Statement. In XXXX 2015 my mortgage was sold to Statebridge LLC. I have since made XXXX payments to them and they are no applying them and claiming I am delinquent because first they state they did not receive my XXXX payment from XXXX Bank and now they are claiming that I have a XXXX loan and have to pay the accrued interest. They will not return my phone calls that I leave and I have left XXXX messages with XXXX Bank and they will not return my calls either. I am trying to refinance my home and Statebridge will not give my new mortgage company a payoff and they have told me they are going to hold it against my credit. Even though I have sent them four months payments and it has not been late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/18, I submitted a request to remove inquiries on my credit report that I didn't recognize. Instead TransUnion investigated 3 of my accounts ( re : report # XXXX ).

XXXX ( report # XXXX ) did something very similar to TransUnion. The errors these companies make are epic in scope. Someone should look into this seriously. Please remove the inquires from my credit report since you are now in violation of the FCRA. I mailed the same request, so it is not additional info it is the same 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 03/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the Equifax breach. I was informed I may have been effected by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber Home loans has claimed to have made payment on my property taxes. This is incorrect. I 've asked them to provide proof of payment ( reciept with the parcel number XXXX 's ) and they are yet to do so. I 'm now being charged escrow to pay them back. They keep looking into it by asking the same question, " was a XXXX payment made? '' and the answer is no. I paid it, I 'm not sure where their payment went.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (NC).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XX/XX/XXXX my wife and I ( XXXX and XXXX XXXX ) discussed a temporary account to open for {$600000.00}. with Wells Fargo Banker XXXX XXXX, his telephone number XXXX ( Store number XXXX, Officer number XXXX ). We explained that we did not want to tie the money up because we wanted to have it available in case we needed it. XXXX XXXX assured us the account we were requesting was new and there would be no penalty if we needed the money. The conversation that took place in XXXX XXXX 's office did not correspond with the paperwork we were given and I explained to him again that I did not want a CD, he assured me again that this was something new and there would not be a penalty if I decided to withdraw the money. 

On XX/XX/XXXX we went to another Wells Fargo to close the account and we were told there would be {$3300.00}. penalty because of early withdrawal. 

We filed a complaint with Wells Fargo Bank and we were informed that we would not be reimbursed for the {$3300.00}.

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 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need help. Experian has posted fraudulent accounts on my credit report and they 're refusing to delete it. I 've contacted the local police department and reported the incident to them. They gave me an identity theft report and I submitted it to Experian. Experian did n't remove the accounts or the fraudulent addresses. I am at my wits end and I do n't know what to do. How can thief open accounts in my name and I am still held liable for this? I need the government to step in and do something about this. The accounts are 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 non-monetary relief
Consumer complaint received 02-04-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with ARS National Services, Inc. (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is an original account from  XXXX  ending in  XXXX .   The debtor,  XXXX   XXXX , is in a   XXXX   XXXX   XXXX   receiving   XXXX   and thus is not able to make payments or pay the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: I checked my bank account and I realized that this company XXXX XXXX, Ca were taking money from my account in the months of XXXX and XXXX. maybe XXXX or three transactions a day. So I filed a claim with my bank to retrieve my money, but by me looking at my account and noticing these unauthorized transactions two months later the claim was over 60 days date of statement starting in XXXX so my bank is not responsible for those unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with Omni Financial Group, Inc (CA).
Issue: Managing the loan or lease

Complaint: omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Other debt) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.

Company response to consumer: Closed with explanation