milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX  9. XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Other

Complaint: Citi has a robo caller that calls my home number XXXX times per day. Trying to collect from someone that has n't lived here in over 5 years. 
The robo caller has no option for me to inform them that they are calling the wrong number. 
This occured two months ago, and I contacted a manager at Citi customer service and informed them that the person they were looking for does not live here. The manager informed me that they would stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with MRS BPO, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MRS associates keeps calling me multiple times a day I 've told them to stop. they keep calling. Not my Debt, not even my name.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that Transunion had deleted an collection account from my report, XXXX XXXX XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX XXXX XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward. 
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed. 
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached. Exhbits to follow by Fax. Additionally, Please refer to exhibit on Defective Notice of Default on CFPB files # XXXX and XXXX - LENDER is NOT Identified - and other matters that lend support to a deceptive practice to steal our home " with the stroke of a pen. '' Likewise, Quality Loan 's Notice of Trustee SALE issued XXXX XXXX, 2016 for auction sale against our home two days from now - XXXX XXXX - DOES NOT IDENTIFY LENDER. THANK YOU FOR YOUR URGENT INVESTIGATION and ENFORCEMENT action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was speaking with the XXXX XXXX, extension XXXX, on X/XX/2017 to review a call I had with customer service to close the account. <P/>I said that I was never told about in interest charge that I would be charged after closing my account. <P/>I waited almost 40 days for a call back from XXXX. In that time, I left her 4 voicemails. <P/>She finally called back today, and confirmed that she was on vacation but did not set any kind of vacation away message on her voicemail because a colleague was supposed to check her voicemail but never did. <P/>In that 40 days, I got a negative posting on my credit, waiting for a call back from someone who left for vacation. <P/>I was never advised to pay off a balance while waiting for a call back or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The credit agency XXXX XXXX XXXX after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You

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 03/21/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Lending is sending threatening notices to foreclose and certified mail to XXXX XXXX on XXXX loans. She is not on the note or mortgage on any of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.

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 Debt collection (I do not know) with The CMI Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received an alleged " Collection Notice '' on XXXX/XXXX/2017. Debt is from XXXX c/o Credit Management LP. Allege due amount is {$200.00}. I have immediately contacted the XXXX ( my internet provider and the ONLY XXXX that I have brought service from ). Their security department told me that they do not own " XXXX '' and have not heard of this company before. They also verified that my account is still in good standing and there are no debts sold. I then Immediate contacted Credit Management LP with the phone number that provided on the allege " Collection Notice '' Which is XXXX. I have refused to provide my names and any of my personal information when I called. Instead, I gave them the reference number, client number and Creditor account number that they provided on the allege " Collection Notice '' and told them that I do not own such debt and please remove all my personal record from their records and do not contact me ever again regarding this fake fraud debt. If this fraud/scam continues, I will contact my lawyer and seek litigation against their company. First time I called them and said the above statement, they immediately hung up on me and the second time I called, I said a very similar statement, the lady on the phone said " Thank you '' and hung up on me again. I have kept a very close eye on my credit report. So if there are anything fraud is happening I will go above and beyond to seek legal actions to protect my rights and my properties. and to ensure there are no more victims falling for this scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely

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. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a security breach, yet I am now somehow responsible for paying fees on Credit Freezes to protect myself and my credit because Equifax decided to keep my personal information in plaintext. Nope. Equifax can pay to put freezes on my credit, since they were irresponsible with my data.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: SunTrust is illegally holding almost XXXX in funds consisting of personal and federal ( student loans ). Closed account without advising and still cashed checks and accepted deposits and has not returned these funds since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MO).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX is blocking me from enabling external applications. 

It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I started the short sale process in 2013. This is now my third time undergoing the short sale application and awaiting approval. My experience with US Bank 's service and the prolonged short sale process has been agony. 

I 've encountered many, many challenges in working with the bank for the short sale. The most recent issue was my case kept getting labeled as a deed-in-lieu instead of a short sale. This caused all my paperwork to expire and I had to complete the short sale application for the third time in XXXX of this year. During this laps in communication, US Bank also changed the locks on the property without my knowledge. As the prospective buyers attempted to view the property, they could n't get in! The prospective buyers were the persons who alerted me that the locks had been changed on the property. This is unacceptable. 

Repeatedly the relationship manager assigned to me has called me to give a status update of " your file is in processing ''. Years have gone by without any significant update on my case. As a result of this lackadaisical effort in getting the short sale processed, a THIRD buyer walk just away from the deal because of the difficulty of getting business done with US Bank. The offering price was {$11000.00} more than what the bank would have settled for. 

I am beyond frustrated and disturbed with the unorganized process in which this bank does business. I urge the consumer bureau to investigate the unethical handling of my case. Repeatedly, I 've requested to speak with a manager in this matter and I have been unsuccessful in my attempts. I am hopeful that the bureau will be able to get answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have a Chase Credit Card where I make a minimum payment to since the credit card was opened in XXXX. I recently have gone through financial hardship and have been late on some payments as of XXXX of XXXX. I went over 6 years with on-time payments and 1 year with late payments. I had to quit my job of over 5 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch  manager   XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize an y one to  use my identity.

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 09-12-2016 about Credit card () with PNC Bank N.A. (MD).
Issue: Credit determination

Complaint: I went to the PNC branch in XXXX, MD to get a debit card and debit card only. I specifically told the manager that I do n't want credit card. He assured me that he is only requesting a debit card to be sent to me. After a couple of weeks I received the debit card as I requested. But then I also received a notice that a credit enquiry was performed PNC sent me a credit card as well. Since then they have been pressuring me to activate the card, which I did not and I am not going to.

Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with ERC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.

Company response to consumer: Closed with explanation