milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 sent the below letter to Transunion. 

To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, voluntarily dismissed or adjudicated for XXXX years, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to bankruptcy about dismissals. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section XXXX does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. Transunion continues with the erroneous misinterpretation of said guidelines. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I also reported this to the XXXX XXXX XXXX and yet to receive a response from Transunion. The bankruptcy was involuntarily dismissed. 

Furthermore, the information in regards to the bankruptcy on my record is incorrect. I requested proof of the findings of their investigation. I also have disputed this several times, and yet to receive any information regarding their findings including proof of such findings and also have been given the run-around. They claim that all voluntarily dismissed bankruptcies are to remain on the credit report, but this was involuntarily dismissed, so based on the information I received by Transunion, this should be removed, correct? I was not given any additional information on this.

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 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have repeatedly disputed credit inquiries that are duplicates and not authorized to the best of my knowledge. I have asked that they 're removed as allowed by law, due to Experian 's refusal to verify as requested.

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 01/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX, I pulled a copy of my credit report from Equifax. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to Equifax disputing said alleged account and asked for validation. 

Equifax failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Equifax requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX, letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Equifax marked my credit report as being " disputed '' ; although, Equifax continues to report said item.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Shopping for a loan or lease

Complaint: The story began when the guy a the XXXX dealership in XXXX sold me an extended warranty agreement without discussing any details for a much higher amount than prevalent in the market. This I found out the day after I was practically tricked into buying the warrant. I mean tricked because they did not even inform me that for the first 90 days and XXXX miles of the car are already covered. Now they are giving me credit but without adjusting the sales tax of {$160.00} and although Ally ( Financial Group of XXXX XXXX has sent me the revised repayment document, when the bank that I work with ( XXXX ) approached them for refinancing, they are claiming that their records will not be updated until another 10 days. This is also the date when my first installment is due. I believe the are planning to either charge me penalty for nonpayment or induce me to stay with them for the loan. The whole deal was crooked with the XXXX salesman promising to reimburse me for a second key if they could not find the duplicate and then later backing out saying they did not make enough money on the deal. They should have thought of that when they made the promise. 

I strongly request an urgent review of this matter so that I can proceed with my refinancing and not be liable for any penalty or other charges by Ally. 

I also request a review of the sales collection and refund procedures of Ally so that other innocent customers who do not fully understand these matters are not cheated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In a process marked by years of unhelpful answers, incorrect, evasive and/or no information provided in response to over forty QWR 's, Requests for Information and Notices of Error to Bayview Loan Services ( BLS ), along with three CFPB complaints, borrower manipulation ( referred to as " customer service '' by bank servicers ) continues in light of the CFPB protections put in place. 

The latest involves a statement in an email ( attached ) received last week from BLS by my housing counselor in response to my application for a short sale on a home my servicer is ( wrongly ) moving to foreclose XX/XX/XXXX. In addition to the taxing make-work that my servicers have regularly required stating they ca n't find, read, etc. whatever might have been submitted, BLS has often played fast and loose with the truth. In the referenced email however, the first of three reasons stated by BLS as a reason for not being able to move forward with the short sale at this time, goes further. It contains a statement that is simply factually untrue. The statement reads as follows : " Pending access by the borrower and receipt of a full interior appraisal // THIS APPOINTMENT WAS CANCELLED BY XXXX XXXX PLEASE PROVIDE NEW CONTACT '' 1. No appointment was ever been made and therefore could not have been cancelled. 
2. The false claim ( 1 ) By calling out the name of my authorized housing counselor when it was not, is both reckless and damaging to XXXX XXXX, potentially compromising both his reputation and position, and ; ( 2 ) now in the file record will be extremely damaging to me in the course of any foreclosure action should it occur, as well as that of any potential litigation I might purse should a wrong foreclosure go forward. 

I 've been fighting a wrongful default since XX/XX/XXXX - first with XXXX XXXX XXXX then subsequently with BLS - throughout which time I 've had to endure unending abuses, humiliations, evasions and as in this case, untruths. All remain in a file that I have consistently been denied the opportunity to review and one that will inevitably be used as a " factual '' record to support not only the latter 's continued bad behavior, but the real potential it will be wrongly rewarded with my home. See Case numbers : XXXX and XXXX. There is one additional complaint I submitted XX/XX/XXXX for which I 'll have to research the case number. 

Inclusive in this complaint is my request the false statement be removed completely from the account record with confirmation it 's been done in writing. Additionally, the last part of the statement referenced makes no sense and need immediate clarification. It reads " PLEASE PROVIDE NEW CONTACT. '' Specifically, what " New Contact '' is BLS requesting, contact for what and why?

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with CITIBANK, N.A. (NV).
Issue: Transaction issue

Complaint: I got contacted by XXXX by an unsolicited phone call and they offered online services and they never fulfill with their end of the deal. They took a total of {$3500.00} from me which {$1900.00} I paid with my Sears Master Card Citibank. According to master card 's dispute manual I should be eligible for dispute with codes XXXX and XXXX and also have a good faith investigation. Which I am not having it and I am very upset with my credit card company. I am attaching a letter from the Attorney General which proves that they acknowledge that I am entitled to {$5200.00}. Hopefully you can help me with that.

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 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: AFTER A SYSTEM GLITCH I HAVE N'T RECEIVED MY DIRECT DEPOSIT FOR {$380.00} AND ALSO THE BALANCE THAT WAS ON MY CARD BEFORE THIS GLITCH IS GONE WHICH WAS {$540.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Payday loan) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Continuous calls from them before XXXX. Got one XXXX i told her she was calling before legal time and she didnt care and got really nasty about my debt. Her response was " well its because you have an account to settle ''. So unprofessional and pushy and rude. Please reprimand this company immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Received cease and desist letter from them showing they would n't call called this Wednesday made numerous attempts through email to fix problem only response back from them is plz call

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Issue : Equifax is not capable of spelling my name correctly. In XXXX 2016 I wrote letter requesting correction, with proof. They responded by spelling my name wrong. I send another letter XXXX 2016, again they responded by spelling my name wrong. We did all this again in XXXX. They have just responded ... again ... .with the wrong name. I had mostly given up on having my name spelled correctly, but can not get the complimentary XXXX score from XXXX, with the name not matching. Can you help me please to get Equifax to spell my name correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. (KS).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX I send a wire from XXXX XXXX XXXX to Citibank in XXXX. The money was to be available on XXXX XXXX, XXXX ( or earlier ) for {$XXXX} USD. This money has not been deposited or returned to me as of XXXX XXXX, XXXX. The individual has asked that the money be returned for the last three days. XXXX XXXX XXXX has asked that the wire be returned by it has not received an answer and has asked again. The money is being held by Citibank without it coming back to me or the individual. I have the individual at the name that is receiving email from the person who was to receive the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LINEBARGER GOGGAN BLAIR & SAMPSON LLP is trying to collect a debt that does not belong to me. I do n't live in XXXX, and or have a license plate No : XXXX or ever lived in the city of XXXX. I live in Arizona and have lived in XXXX since 2004. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional fixed mortgage) with RESIDENTIAL BANCORP (FL).
Issue: Application, originator, mortgage broker

Complaint: We attempted to buy a home underneath the minimum timeframe from foreclosure in order to qualify for a conventional XXXX loan. We had been renting for over 2 years and finally had the reserves to try to become homeowners again. We learned of the possibility of a private investor option due to our high income, exceptional credit score, and available cash. We attempted to go this route with dire consequences. 
The details of the case follow below in format of the letter written to the company on the day of the 4th and final scheduled closing. We contend that displeasure with this letter led to a final denial of the loan. This was a disastrous event for our family, as we had no home to live in for over 2 weeks while also being saddled with excess and unexpected moving and storage expenses. It was traumatic and unnecessary. Upon reflection of the situation and wondering how the loan could have been denied with such speed ( finally ) on that very day, I realized that my gmail account contains a photo, which would have shown up with the email. I am an XXXX, my husband an XXXX and we have XXXX. Implicit bias is a real problem in America. This kind of racism is worse than the display of derogatory words as graffiti in a neighborhood. 
Whether or not this is found to be racially motivated, it is definitely unethical at best. 
We wish to call attention to this private & unregulated money industry that is beginning to invade a real estate market still vulnerable from the wounds suffered by the regulated mortgage industry. This company overpromised and when signs of incompetence began to surface and questions begin to be raised, they under delivered, using the excuse of **loan conditions apply. There has to be a limit to when these companies can pull the rug out from underneath American families. This was not a business deal gone wrong, it was the livelihood of XXXX adults and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: After I filed my last CFPB complaint my servicer, Nationstar, finally informed me of the reason they were not accepting my XXXX previous submittals of profit and loss documents which was delaying my loan modification review. I sent in the new documments for review on XX/XX/XXXX but Nationstar will not verify they have received my documents. While this review process was taking place over the past year Nationstar and their Law Firm of XXXX, XXXX, XXXX XXXX have set XXXX sell dates on my property on two separate occasions. This has caused me to hire a lawyer to get the sale narrowly avoided on both occasions while my review is taking place. Furthermore my property was for sale at the time and all interested buyers pulled out once they saw the property may go to auction. It is my understanding properties under review are not supposed to have to fight foreclosure at the same time but this has happened twice now. 

Now Nationstar states I must wait for a call from the law firm XXXX to be informed of any more delays and or if they have even received my updated documents sent in on XX/XX/XXXX. I have been told this before but never received a call from this law firm just foreclosure actions. Bottom line is I am doing everything I can to file proper and timely documents for a loan modification review and in reality my documents keep expiring with Nationstar 's lack of communication and Nationstar keeps filing for foreclsure on my property with the XXXX County court system which is in direct violation of their own stated policy of not foreclosing on properties under review.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Problems when you are unable to pay

Complaint: I am a co-borrower on a car loan though Santander USA. I have had this loan for 2 years and recently lost my job. The car was repossessed in XXXX of 2015. I did not receive any information regarding the repo, and had to call to get the information on where the car was taken to. One day after the repo it was transferred to the auction house. My property was removed from the vehicle and I had to pay {$75.00} to get that, then I had to pay another {$150.00} to get the car back. On top of these fees, Santander charged me another {$300.00} for repo fees. Upon finding out about the repossession, I made arrangements to place all of the late payments on the back end of the loan including the repo fees. I got the car back after I made a payment of {$390.00} by XXXX. I called to get the vehicle released as I had fulfilled my end of the verbal agreement. I picked up the car and assumed that everything would be set until the next month. After receiving excessive calls from Santander it came to my attention that they have no intention of honoring our verbal contract. They threatened to repo the car again because they are saying that I am 30 days late for my XXXX payment! You can understand my frustration when you do all you can to get ahead and the slap you with so many fees and then break the agreement that we had when I fulfilled my end of the bargain. My question is, what did the {$390.00} go to? Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX is attempting to collect a debt from XXXX that was discharged thru bankrutpcy. Plus on top of that I never received any information about this debt before it hit my report. I would of told them it was no longer owed. Thirdlly the original debt was in my mother 's name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with HOVG, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?

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 02/13/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Section 8 Housing denial and I have 10 days to appeal. If I ca n't view or get my XXXX credit reports, how the XXXX am I expected to file a complaint?

Company response to consumer: Closed with non-monetary relief