milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regard to the Equifax security breach. I am listed as a potential victim on the equifaxsecurity2017.com site. I see the lack of security as a mishandling of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After I entered all my personal information in Annualcreditreport.com it does not show me my credit report. It says that my information does not match with TransUnion records. Then it makes me confirm my SSN and still does not work. I have tried also directly from TransUnion Interactive website and it neither works. Before XXXX 2016, I was able to get credit reports from other sources as XXXX XXXX until it stopped working because of the same reason : my information does not match with TransUnion reports. I am absolutely sure that I am typing the correct information. I also created an account at XXXX with my social security number and I did not have any problem verifying my identity. I am asking for help here because Annualcreditreport.com contact form is not working neither. How can I ask TransUnion to verify my personal information so I can get my credit reports?

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 08/14/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (AR).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Since XXXX XXXX, 2017, I have been trying to gain access to my account with Santander, but after five attempts and no resolution, I am finally giving up. I have spoken to roughly six people at Santander and they have all claimed to try and help me, to no avail. I have requested a PIN to be sent to me three times and a checkbook to be sent to me once. Every single time, I receive NOTHING in my mail. When I ask them to close my account, they tell me I must send in a notarized letter to do so, which is unacceptable for someone who is extremely busy. Their only other two options seem to be sending me a PIN or a checkbook, both of which have not happened with FOUR tries. My account currently has {$810.00} in 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 11-02-2015 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls originate from the Revenue Group, calling number is XXXX XXXX XXXX. Calls received XXXX/XXXX/2015, XXXX ; XXXX/XXXX/2015, XXXX. Both times the caller indicated an unspecified debt is owed and was told we do not discuss financial matters on the phone. Caller was further informed to submit the nature and specifics of the alleged debt in writing to us. To date, no such correspondence has been received. Numerous other calls have been received from this group as shown on our phone 's caller id, but went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX accounts are being reported to all XXXX bureaus from Pinnacle ( original creditor is XXXX XXXX ). Amount is showing {$690.00}, which I believe to be inaccurate and the fact that I have never had XXXX separate accounts with XXXX and/or Pinnacle. I did have XXXX account with XXXX XXXX that I terminated in XXXX 2010. I do not believe I owe anything to XXXX/Pinnacle and I definitely did not have XXXX accounts with the same company for the same amount. I have tried repeatedly to dispute with all credit bureaus but Pinnacle still reports both accounts. They now say that XXXX account was refinanced or renewed, but both accounts are still on all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Auto) with First Credit Finance (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company contacts everyone on my referral list if I am late paying and tells people on this list that they are looking for my car. They have been rude and harassing calling multiple times and using threatening language like " contact us or else. '' When I called and asked to speak to management once, the person told me that I did n't have the right to speak to a manager because I have n't made my payment. When I asked them to stop calling my XXXX mother in law with XXXX who lives in NY, they told me that they will continue to call her because it makes me call them. It 's a tactic that they use. I have recordings of their threatening tactics and frequent harassment. Even after I paid {$100.00} and signed a contract extension for the month of XXXX., they still called my mother in law everyone else on my referral list asking for the location of my vehicle.

Company response to consumer: Closed
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XX/XX/2016, I contacted XXXX and had a security freeze on my information with them. On that same date, I opted out from reports in the XXXX system. On approximately XX/XX/2016, I sent correspondence to Equifax inquiring about a Chapter XXXX bankrupty listed on my credit file. I stated that " Due to Civil Case No. XXXX, XXXX , Et Al., v. Equifax Information Service , LLC, I do not know the source of your information on the bankruptcy you have listed on my account, and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). '' I asked Equifax to send confirmation within 15 days that the bankruptcy had been removed from my credit file. Instead, Equifax claimed to have " confirmed '' the bankruptcy using information XXXX data on XXXX XXXX, XXXX, even though I had placed a security freeze on my XXXX data almost a month prior to that. I am asked that the Consumer Financial Protection Bureau investigates this matter and mandates that Equifax removes their bankruptcy from my report, as they are not reporting truthful information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (PA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX  for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?

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 08-08-2016 about Debt collection (I do not know) with U.S. Collections West, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ( US Collections West Inc ) his company did not provide me with notice of any debt being filed. 
I have not received anything in the mail and they are garnishing my wages or trying to collect a debt. If they knew where I work, they should have my address and could 've sent me something. 
I have requested multiple times for proof of this owed debt and have received nothing. 
I do not owe this debt. 
This debt does not appear on any credit report, except XXXX and I filed a dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (PR).
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: Last XX/XX/XXXX, checking my credit report, I noticed that an account is incorrectly reported with Select porfolio # XXXX balance of {$140.00} open which does not belong to me and / or I have any obligation, as a result of the first investigation submitted to the bureaus of credit the result was satisfactory obtaining an increase in my score of +70 points, extremely satisfied with the results and procedures of FCRA law. It is not when I received a notification on XXXX-2017 that my score fell due to the fact that said account that was  removed from my credit report was reported with a new balance amount of {$140000.00}, however I proceed to send a new one. investigation sending to XXXX evidence of the results of the reports and the corrections made but to date they have not corrected this error that makes a future purchase impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hi, I have opened an account with  XXXX , in which they have offered me 12 months promotional period for any purchase ( no minimum value ). The first outstanding balance  (  purchasing amount ) was {$460.00}.     So I have divided my payments into 12 monthly payments and I set an auto-pay to let the payment withdrawn from   XXXX    XXXX   XXXX  account.     I 've started paying the monthly payments, until I received the seventh statement which says I have been charged an interest ( and it was deferred ) because the promotional offer has expired aft er six  months. Which is totally untrue. They did n't send me any agreements that says if my promotional offer is 12 or 6 months.     I contacted Synchrony bank four times and after long conversations (  XXXX  ) & (  XXXX  ) they said I have to go back to the store.     I really did and the store denied this and kept asking me for documents to prove this which I never received. And honestly I was n't aware about these statements because I have enrolled in the electronic statement and they told me that this is indicated in the statement. I did n't read this.     I told them this is not acceptable and I am a person who does n't buy with interest because of my belief. This is a rule in my life. And they have fooled me. I offered them to pay the entire balance only if they take-off the interest charged, but they denied.     I came back to the bank and they kept saying there is nothing that can they do with me. And they have offered me {$25.00} credit. I refused to take them, because I am not begging for money, I was asking to get back my right and not to be fooled.     My Name :  XXXX   XXXX   XXXX  My Account # with Synchrony bank is :  XXXX  My Email is :  XXXX  XXXX  XXXX  My Phone Number is :  XXXX   XXXX   XXXX  Address :  XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX  FL

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 monetary relief
Consumer complaint received 02/13/2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Trouble during payment process

Complaint: After filing my last complaint with the CFPB, Ocwen contacted me and informed me that I would be able to make three payments of {$460.00} each on the first day of each month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that if I did so I would be able to get a formal modification. I made these payments. They also took my payment in XX/XX/XXXX for the same amount but added it to an " unapplied funds '' account. 

I tried to make the same payment in XX/XX/XXXX, but my payment was refused. I received a letter stating that my payment was refused because I failed to return a signed modification agreement to Ocwen when requested. However, I have not received any such agreement or request for me to sign such agreement and return it. 

The individual who was assigned to handle my last complaint, XXXX XXXX, will not return my calls. Yesterday, when I tried to make the payment again via phone, someone there told me that they had been trying to get in touch with me via phone and mail. I have not received any phone calls or mail from them regarding this issue except the letter I have described, although they have all of my correct contact information, which I have sent several times. 

I have also tried to call XXXX XXXX, who is mentioned in the last letter I received. I can not leave a message for her. The only thing that happens is that I get re-directed to another " relationship manager '' who simply repeats that I can not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are inquires on my credit reports made in XXXX and XXXX that do not belong to me. They were placed their fraudulently. I filed a police report number XXXX and provided it to XXXX, XXXX and Transunion to have the fraudulently information removed as well as old Addresses and Name Variations who could have contributed to this issue along with documentation from the creditors proving their investigation deemed they were fraudulent and needed to be removes. The credit bureaus refuse to remove them and my disputes come back in a few days and inquiries are factual. This is not possible if they actually completed a full investigation and looked at the documentation. This is affecting my credit worthiness and my ability to obtain a place to live for my family.

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 08/28/2015 about Payday loan () with The Eastbrooke Group LLC (TX).
Issue: Can't contact lender

Complaint: Lender hired Eastbrook Group to collect debt. They have repeatedly called place of employment threatening legal action and service. Caller XXXX XXXX XXXX, gives claim number # XXXX to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage since XXXX, and in - or around - XX/XX/XXXX my mortgage was sold to Carrington Mortgage. I had applied to do a loan modification with XXXX prior to them selling the mortgage to Carrington. However, Carrington did in fact complete the remodification after they obtained my loan. Ever since my mortgage has been sold to Carrington, I have been having issues every month when making my payment. Their website always gave me trouble with logging in to make the payment, so I call in to process them over the phone every month. I make sure that I call in the payments at least a couple of days before the first of the month to avoid any complications with it being late. Each and every time I call, the representatives tell me that I have a payment missing from the previous month. Because of that, I always ask for the representative 's names, and I get the confirmation number that the payment had been made. Every time I call, and they begin stating that a payment is missing, I provide the confirmation number from the previous month. Once I state that, they continue on and process my payment, but never do they confirm that the month they stated was missing was in fact received. On XX/XX/XXXX I called to make my XX/XX/XXXX payment, and again, they told me that I did n't make a XXXX payment. Which I had, on XX/XX/XXXX for XX/XX/XXXX. I provided the confirmation nuber again. It seems odd that this is a normal occurrence every single month when I call to make my payment. I then faxed a letter to their customer relations department to have them look into why this happens every month, and I received a letter that advised that I had a missing payment and late fees/charges on my account and they were going to review my loan. I have never been late on my payments, and I have never missed a payment. I 'm concerned that there is something more going on than simple incompetence at this point. Once or twice of this happening could be understandable when they first received my loan, but this has been going on for close to two years now where every single month it 's the same story. I have attached every document that you may need in order to review this for me if possible. I have attached my bank statements, however, for the month of XXXX I was still with XXXX so it would only allow me to show the Activity Details for that payment but you will see it is the same amount as the first few payments to Carrington starting in XXXX. Some months XXXX payments show on the statement. One in the beginning of the month ( for the current month ) and one at the end of the month ( for the following month ). I have attached the letter from Carrington with the review of my account, which they provided what they said is my payment history which does n't make sense either, and I have attached my handwritten documentation of when I had made each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California

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 10/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I previously filed CFPB complaint # XXXX about WELLS FARGO HOME MORTGAGE. Wells Fargo basically told CFPB everything was in order so CFPB closed the complaint before hearing my response to WELLS FARGO 'S Allegations. Im going to try to submit this complaint once more, in an attempt to make my concerns as clear as possible : 1. XXXX I signed 1st & 2nd Mortgages totaling : {$220000.00} 2. Wells Fargo presently alleges I owe : {$240000.00} 3. XXXX, XXXX Wells Fargo entered a 2nd Mortgage Release of XXXX : {$37000.00} XXXX. XXXX I contracted with Oregon Making Home Affordable Program : {$35000.00} 5. Since XXXX I have paid : {$85000.00} 6. Despite ROL, MHA and my payments the original debt has INCREASED : {$23000.00} My question ( which Wells Fargo and CFPB have failed to answer ) is : How can Wells Fargo receive {$150000.00} ( consisting of a {$37000.00} Release of XXXX which I was required to claim on my XXXX Federal Income Tax, {$35000.00} in Oregon Making Home Affordable funds, and {$85000.00} payments Ive made on the original mortgages ) and still claim I owe {$23000.00} MORE than the original combined mortgages, while also claiming " all unpaid late charges that remain unpaid will be waived '' ( XXXX XXXX, XXXX Mortgage Modification )?

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