milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I applied for a line of credit to purchase furniture over the phone. An account was opened for XXXX XXXX only. Once I realized this mistake, I called in and they opened a XXXX XXXX account that could be used anywhere ( this is what I originally authorized and thought they were doing to begin with ). They closed the XXXX XXXX  account. The next month ( XX/XX/XXXX ) I received a copy of my credit report and there was two inquires and two accounts showing up on my credit report. The XXXX XXXX account showed opened then closed two days later. I called the company regarding this error which caused my credit score to significantly decrease, and I spoke with account manager XXXX ( XXXX # XXXX ). He stated he would send a letter to the credit bureaus stating the XXXX XXXX account was opened in error. He could not confirm if they would delete the account or not but he would try. He told me to request a copy of my report withing 45-60 days to see if it was gone.

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 03-10-2017 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EQUIFAX SHOWS A BALANCE FROM XXXX XXXX OF {$160000.00}. XXXX XXXX SHOWS A XXXX BALANCE. I WON A COURT CASE AGAINST XXXX AND THERE SHOULD BE NO BALANCE. I 'VE ASKED THEM SEVERAL TIMES TO REMOVE IT BUT THEY REFUSED. THEIR REPORT SHOULD ALSO SAY IT IS FORECLOSURE REDEEMED NOT " FORECLOSURE ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (MI).
Issue: Taking out the loan or lease

Complaint: I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting incorrect information on behalf of XXXX  of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was released from bankruptcy at the end of XXXX 2016 I received all my paperwork releasing me from that bankruptcy. On XXXX XXXX of this year I requested a payoff statement I was told it could take up to two weeks to get when I did not receive it I began calling and was told several times it was in the mail I have yet to receive it I also asked that it be faxed to me they took the fax number but i never received the fax. When I called back to question them I was told I can not receive a pay off and no one should have never told me I could because they consider me still in bankruptcy I contacted their attorneys office who told me they no longer have me in bankruptcy and I am entitled to a pay off. I still have not received my pay off which is only good until tomorrow XXXX XXXX. Every time I call there I speak to someone different and get a different answer none of them are right all I need is my pay off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian has failed to respond to several inquiries about collection accounts and also change my address, failed to confirm a debt, e tc. 1 ) I have sent experian more than 10 letters in the last seven months about inaccuracies on my credit report as they are reportin g a bankruptcy and  XXXX  collection accounts (   XXXX   XXXX   ) and  XXXX   XXXX   XXXX  ) that do not belong to me. I have never filed Bankruptcy. I asked them to verify this information and at first they would not respond. then they sent a letter saying thy verified. When I called and explai ned the county  could not verify it for me and I have documentation they told me to mail it to them which I did but nothing changed. In  XXXX  and  XXXX  they also added  XXXX  collection accounts that do not belong to me. I asked them to verify and they claimed they did. When I contacted the companies they did n't have the right person nor the right address. ( They did n't even have the correct state ) I contacted Experian via phone and mail and they have done nothing. These  XXXX  negative items are severely hurting m y credit score. Even with putting my correct address on my report has been an issue that takes 3 or 4 letters, 4-5 calls and copies of my lease, pay stub and drivers license.

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 05/18/2015 about Debt collection (I do not know) with Premier Recovery Group (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX ( also known as XXXX per their messages ) has been calling harrassing me for weeks on a debt that is not valid. Claiming that in 2009 I walked into a physical payday store called XXXX XXXX XXXX ( which in my state there is no such thing ) and took out a loan and deposited it into a bank account that I had closed years before 2009. I have received no formal debt validation letter so that I could dispute this. When I asked for a debt validation letter she said they do not send out that information, etc. I explained that this debt is not valid and to stop calling me. She started to threaten that I would be served papers at my place of employment and/or home. I asked for their physical address and formal name of company, she would not provide me with any of that information. They lady would not let me speak, she was extremely rude. Even after requesting the calls to stop, they continue to call my home, cell phone, and work number.

Company response to consumer: Closed
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting with my servicers for a number of years in regards to my mortgage. I say servicers because I have been switched around from one servicer to the next over the past couple of years. My present servicer is Select Portfolio Servicing which I will refer to as SPS. I am completely frustrated with SPS. It appears to me that they are totally ignoring laws, rules and regulations that they are required to adhere to. After much research, I decided to mail SPS a Notice of Rescission, cancelling my deed of trust and debt. I mailed them the letter on XXXX XXXX, 2015 and they received it on XXXX XXXX, 2015. It is my understanding that Congress enacted the Federal Truth In Lending Act ( TILA ) to be self-enforcing. Upon mailing of the letter, TILA automatically extinguishes the lien and the liability of the lien. The security interest is void and of no legal effect irrespective of whether SPS or the true creditor makes any affirmative response to the notice or not. The voiding of the security interest is not a procedure in a step to be followed, it is automatic by operation of law. Because the notice of rescission is self-enforcing and the deed of trust is canceled by operation of law, there can be no legal foreclosure. Because there can be no legal foreclosure, any and all foreclosure against my property currently ongoing must be canceled forthwith. The auction currently scheduled for XXXX XXXX, 2015 must be canceled immediately. Under TILA, SPS, or the true creditor, had twenty ( 20 ) calendar days to dispute my rescission letter by filing a declaratory lawsuit against me. SPS nor the true creditor took any action against me. Since they have failed to take any action, SPS and the true creditor, have given up all rights or claims for the money they allegedly loaned to me. They have waived any all defenses to the rescission and they are now in violation of Federal law. Under TILA, my debt is not only unsecured, but it is eradicated starting with the rescission notice and ending with their failure to comply with TILA within the twenty ( 20 ) calendar day period. If the rescission letter is self-enforcing, it bewilders me why I have to go through such measures for them to abide by the law. Under TILA, SPS had to take mandatory steps, one of which was to provide me with a release of my mortgage and the other was to refund me all proceeds resulting from my loan. They failed to follow these mandatory steps. I am writing this complaint because I am actually mortified by their blatant disregard for the law. I respectfully request that you immediately review this case in critical detail and inform SPS of their wrongdoing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I discovered a past due balance on a XXXX credit card. I had no knowledge of any balance due. I have spoken to XXXX Bank and we do not agree on the situation. I paid my balance in full as far as I knew. I did not receive any notices of any kind from XXXX. After speaking to customer service there is no agreement to anything. They did not have a correct address and I never received an email. I would not have ignored a {$19.00} charge if I had been aware of it. I had paid the balance in full to my knowledge. NO XXXX listens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with PARKS TITLE COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: Cfpb # XXXX XXXX From my complaint filedXX/XX/XXXXXXXX XXXX stated that yes we conducted the sale transaction at XXXX XXXX XXXX. In XXXX XXXX XXXX response you said previous claim was denied and turned over to the underwriter. 1. Who was the previous claim with and denied? 

Who is the underwriter? 

You said parks title did the title work, then show it. 

Why are both of our names at the top of the title which has forced me to update law enforcement XXXX and have served a 30 days notice to XXXX XXXX. 

Cc. 

XXXX police department XXXX county sheriff dept. 
Michigan state police mortgage fraud task force XXXX fbi Because I was not happy with the statements to me yesterday, I asked to speak to her supervisor XXXX XXXX, both I was unhappy and asked to speak to the supervisor above them. They would not give me the persons name, I left messages at each of their phone numbers today asking for the supervisors name above them. After some research I was able to locate the CA headquarters office. I called there today at XXXX I spoke to a gentlemen who asked me for the claim number, I gave him this claim number which was given to me XXXX. He immediately indicated that the claim number was one number short. I indicated to him that this was the claim number from XXXX XXXX. He said well give me the address, he located the property by address. He then indicated that the supervisor I needed to speak with, is XXXX XXXX. That he will be calling me back today. 

I received a phone call around XXXX XXXX from XXXX XXXX, following up on my complaints. He said was sorry for me and it was complicated situation. He listened to my story. He advised me to talk to XXXX XXXX, he indicated XXXX XXXX is above XXXX XXXX and XXXX XXXX gave me his number which is XXXX. I brought to his attention that I was told one number was missing from the claim number by his assistant claim number XXXX. He corrected me, he said the claim number is XXXX. I then told him this is exactly the claim number XXXX XXXX sent me by email. He then clarified with me that I was missing the 9 at the end. As he starting to give me XXXX XXXX number the phone call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Fraud or scam

Complaint: A guy was offering a service for a game. It turned out to be a scam after he had a buddy and myself send him money on paypal thru the friends and family way. But once he received the payment he stopped communications but has contacted others during this time. Have all the proof from the conversation and also have my buddies from them talking at the same time as he was avoiding me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The " XXXX XXXX  '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.

Company response to consumer: Closed with explanation