milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
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: On XX/XX/XXXX I sent a letter to Transunion requesting verification/validation on multiple debts that they are reporting on my Credit Report. I specifically stated in the letter " do not respond to my request by stating these accounts have been verified, but provide me with copies of the information you have in my file verifying/validating these accounts ''. Today XX/XX/XXXX I received a letter from Transunion dated XX/XX/XXXX with several of the accounts listed in my letter still coming back as verified or updated. There was no physical proof of verification/validation included as I requested. Under the FCRA it is my right to view what is in my credit file and being used as verification/validation of these accounts.

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 11-03-2016 about Mortgage (Conventional fixed mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Application, originator, mortgage broker

Complaint: PLEASE USE THIS COMPLAINT AS OPPOSED TO CASE NUMBER XXXX. 
I added the word CONSUMER to the complaint question. 

I would like Third Federal Saving and Loan to respond to this question ONLY I am a woman ( NOT AN ENTITY ) who participated in ***CONSUMER*** CREDIT TRANSACTION soley for PERSONAL, FAMILY AND HOUSEHOLD PURPOSES, please explain in detail, how the [ Promissory Note/Note/Financial Asset/Security Instrument ] ended up in a XXXX.

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 Experian Information Solutions Inc. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried on numerous occasions to place a credit freeze on my account with Experian. I have attempted this at least four times over the past week, from XXXX XXXX to XXXX, XXXX. 

Although I successfully put in place freezes on the other two credit services, Experian says they are not able to verify my identity and thus can not put in place a credit freeze. I provided the exact same information as I did with other account. Indeed, I was able to open an account on Experian using this same information and gain access to the free credit report. Since doing this I have received non-stop promotional messages for their services. The credit freeze option, however, can not be done from within the account, and must be done via this separate link : https : //www.experian.comXXXX This is a clear attempt from the company to stop consumers from adding a credit freeze and to divert their focus on other products that require monthly payments. I demand that Experian alter this deceptive practice ( and the government forces them to do so ) and make it possible to establish a security freeze directly within a client account immediately.

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 02-01-2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Form letter received for undisclosed debt for {$19000.00} to be reduced to only {$6000.00} if I contact by phone by XX/XX/XXXX. Letter arrived with no address on envelope or letter. Today I received call and voice mail on my cell and my alternate phone number harassing me to contact asap or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some hard inquiries on my   XXXX   and   XXXX   reports that should not be there. I am in the process of purchasing a home and these should be removed. I placed a fraud alert on my credit file that indicates if anyone who runs my credit should call me and that was not done and this violates my right as a consumer. The following hard inquiries are showing on my   XXXX   report! Regional management  XXXX  and  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX ,   XXXX    XXXX   XXXX ,   XXXX     XXXX   XXXX . The following hard inquiries are showing on my  XXXX  report and show be removed.  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX . I have already contacted the credit bureaus twice and they were no he lp. Pleae help me get these  removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Told me the only way to start paperless is to use the internet care credit.com and the minimum payment box is the box that collected the wrong debt amount. When I called care credit on XXXX at XXXX pm., I was told that {$140.00} extra will be collected for checking the minimum payment box feature or debt amount feature.

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 11-07-2017 about Mortgage (Conventional home mortgage) with MID-ISLAND MORTGAGE CORP. (NY).
Issue: Struggling to pay mortgage

Complaint: I have recently made a XXXX payment to mid-island mortgage to bring my loan current. There is evidence to make me believe someone at the company is trying to rewrite my loan to get paid commission. I have a property inspection fee on my most recent invoice and have just received paperwork to modify the loan. Repeated calls to the company have resulted in hours on time on their automated phone system. I have no intentions of modifying the loan. Mid island mortgage is illegally trying to modify my loan and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: When I made large, principle only payments on the loan prior to payments becoming due, they did not allocate the amount to the principle. Rather, they apportioned the amounts out as payments for when the loans became due after I graduated. Additionally, they send excessive mail and make too many phone calls. For instance, they called my mother, who is also my cosigner, three times within an hour this morning ( XXXX/XXXX/16 ) alone. They also send both of us communication via phone and email in excess. They threatened my mothers credit, and were rude to her when they called. I have told them that a payment for the full balance of both loans is in the mail and they still persist. Checks for full payouts on both loans should reach their officers tomorrow or the next day at the latest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Constant refusal of  XXXX   XXXX  to modify my loan to offer mortgage assistance to me.     I was told my  XXXX   XXXX  today conversation on  XXXX   XXXX ,  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX  of the President that no matter what income I submitted, documents I provided even if I qualified and no matter what I did that  XXXX   XXXX  would never review my documents nor approve me for a modification. This was all stemming from the time it took  XXXX   XXXX  too long to respond to my request for a modification I tried to accept the modification but it took so long that I had no alternative but to sell my house so by the time the modification went through, and I received the modification and tried to take back the offer the buyers began to sue me I was already in contract to sell my house and it was not until I resolved that lawsuit was I free to even take a modification or it would have wiped me out financially and I am a realtor and I could have lost my license. ( see case..  XXXX   XXXX   XXXX   was well aware of this. Either way there was no way to know if th is was even a true offer for a true modification and I have a letter from  XXXX  ells Fargo  stating that I have never been approved for a HAMP modification at this time. Then on  XXXX   XXXX  I applied for a HAMP modification and was denied again even if the reason for denial was the income $  XXXX /mo stated in their letter dated  XXXX   XXXX ,  XXXX  did qualify me for a more than 10 % reduction of my monthly payment ( current monthly payment {$2500.00}, according to the HAMP rules. It would have reduced my payment by 12 % which would allow me to start making payments on my loan which I currently am not allowed to make.

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 02/13/2018 about Debt collection (Medical debt) with Consumer Collection Management. Inc (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I wrote and sent a Certified Letter with Read Receipt for debt validation to Consumer Collection Management on XX/XX/2018 at Consumer Collection Mgmt. XXXX XXXX XXXX XXXX XXXX, MO XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that Consumer Collection Management provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). 

I asked for the following : 1 ) Agreement with the creditor that authorizes CCM to collect on the alleged debt. 
2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 
3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4 ) Proof that the Statute of limitations has not expired. 
5 ) Complete payment history on this account along with an accounting of all additional charges. 
6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and experian with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! Do I have to sue experian and XXXX to protect my rights???? Because I will because it 's stopping me from getting a mortage!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX has sent me a notice to collect a debt in the amount of {$550.00}. This collection agency is not licensed for business in Texas, nor are they registered with the Texas XXXX of XXXX ; therefore can not attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/2015, a fraudulent charge was added to my credit one account. I disputed the charge and it was removed. I then paid off and closed the account. A few weeks later more charges were added, including interest ( On a closed account? XXXX ), and a month later, the original fraudulent charge. I called them multiple times asking them to take care of it, they never did. One time they told me i reauthorized the charge, I asked for proof, they never sent any. I 've written formal dispute letters, they never responded. Of course i didnt pay this bogus charge, and as a result, they sold my account to a collections agency, LVNV? I called then today, and boy were they nasty. They claimed i made a payment on XX/XX/<YYYY> for the amount of the balance which is bogus. If I made a payment for the balance then why would there still be a balance? That does n't make any sense, theyre just trying to make the debt look valid. They said they would send a form to XXXX, to validate the debt. But I 'm tired of all this. I 've tried so many times and they do n't do anything. I want proof, I reauthorized the fraudulent charge. Not just XXXX word for it. I want an audio log of me reauthorizing said charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: " This complaint is related to the Fair Credit Reporting Act. 

My Ch. XXXX bankruptcy was discharged in XXXX 2015. The Trustee notified my mortgage company ( Greentree ) in XXXX 2015 of the discharge. Greentree mortgage merged with Ditech mortgage in 2015. In XXXX 2015, my attorney sent copies of that discharge notification to both Greentree and Ditech. 

Ditech continues to report this account as an account in active bankruptcy. 

I have spoken to multiple representatives regarding correcting this. ( XXXX/XXXX/15 XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) I have been told that XXXX XXXX ( id XXXX ) & XXXX ( id # XXXX ) have been working on resolving this matter. I have left XXXX messages for their Manager XXXX XXXX. To date, I have yet to receive a return phone call. 

Can you assist me in resolving this inquiry to have the Ditech report this correctly to the credit reporting agencies? ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  UNITED REVENUE CORP  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax and XXXX are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned Equifax is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s

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 07/14/2015 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is the fourth complaint I have made about this exact same matter. Please be more useful this time and do n't stop investigating just because Wells Fargo tells you to. For at least 2 years Wells Fargo has an open checking account in my name ending in XXXX. Wells Fargo opened this account without my permission or knowledge. This account has received thousands of dollars in deposits from a person named XXXX XXXX. Wells Fargo refuses to close the account and refuses to allow me access to the funds deposited. I have visited a branch and told them to remove my email and they put me on the line with someone who tells me that they do n't have my email address and therefore ca n't be sending me emails. They are lying. THE EMAILS ARE INDEED LEGITIMATELY FROM WELLS FARGO. Every email links directly to Wells Fargo 's legitimate website. The payments to the fraudulent account used to come from Wells Fargo XXXX. After XXXX was shut down the payments began coming in from XXXX. I have begged, pleaded and made multiple complaints with Consumer Financial Protection Bureau and Wells Fargo still refuses to close this account. Clearly, they do not respect or fear you. Please resolve this situation by either ( 1 ) forcing them to acknowledge the existence of this account and forcing them to close it, or ( 2 ) forcing them to give me all the funds that were deposited into this account since it 's opening AND then permanently close the account. See the attached emails for the latest batch of notifications I am getting for payments deposited to the fraudulent account. Be advised that over the past 2 years, I have complained about this same account to CFPB and made other emails available to you. The emails in this complaint are just the latest and not the entirety. This morning the account had 2 transactions for {$80.00} each deposited.

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 09-01-2016 about Debt collection (Medical) with Healthcare Collections-I, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.

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