milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Dear Sir or Ma'am, I mailed in a Multiple Inquiry Removal Letter on XXXX 2017 by certified mail in order to dispute information in regards to XXXX hard inquiries that were being reported on my TransUnion credit report. They received the letter at XXXX on XXXX 2017 and they completed the request on XXXX, 2017 ( 2 days ). 

The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a record of companies that obtained your credit information '' etc .... " If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was NO investigation into the matter. My wife and I plan to purchasing a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
I have included ALL supporting documentation.

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 09-12-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Wells Fargo is refusing to delete my MIP insurance even though I have met the requirements according to HUD. My LTV is under 78 %. I have had my home for over 5 years. They are saying I was late in XXXX which I was n't, I was on FHA trial modification. I have spoken to several of their employees in the last three months and also received in writing that my MIP would be deleted effective XXXX/XXXX/XXXX payment, they have also confirmed this over the phone in which the manager yesterday confirmed both. I was also affected by Hurricane XXXX and I am now on a relief plan for the month of 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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I received XXXX County 's Original Citation submitted by Linebarger Goggan Blair & Sampson , LLP, signed by Attorney XXXX XXXX XXXX representing XXXX County Toll Road Authority. The citation states that I have to pay {$130.00} for the unpaid toll of {$5.00} that occurred on XXXX XXXX, XXXX. I have never received the original bill from XXXX XXXX XXXX XXXX XXXX that they claim they had mailed to me on XXXX XXXX, XXXX. According to XXXX County Toll Road Authority, it was only ONCE ( first and final notice ) that the bill was mailed to me. Three years later, without any reasonable option to pay the unpaid toll, I was faced with the citation with the beyond unfair and unreasonable collection fee. I am filing this grievance because the attorney representing XXXX County Toll Authority had not made any attempt to contact me and give me an opportunity to pay this toll. I have tried several times to contact the Law Firm ; however, I did not get any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: Refinanced Ocwen mortgage in XX/XX/XXXX. To-date XX/XX/XXXX and it remains on my credit report. Spoke with Ocwen representative in XXXX and they show it paid. How can I get the debt removed from credit report?

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 01-04-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I can pay these loans either with my income.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Real Time Resolutions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (MD).
Issue: Credit decision / Underwriting

Complaint: I was pre-approved for a home loan by TD bank by XXXX XXXX their loan officer. I proceeded to look for a home with my realtor and when we finally found XXXX and our offer was accepted it was about XXXX dollars less than what the bank offered to us. During the process we were required to pay for the appraisal and inspection for the home. We also gave the bank our deposit. They gave us a conditional approval letter which I believed was unfair since it requested to pay for a cosigned student loans that were not mine. When they realized that and requested the documentation of that it was indeed a cosigned loan, i provided all documentation they asked for. I also did everything else they asked for like taking the home owner class and opening an account with TD bank. After verifying income and employment again and calling my job requesting the same paper work from them again, even pulling me out of meetings, I was told over the phone by XXXX XXXX and my realtor was also informed as well that " I have the house ''. There were multiple closing dates that were moved for XXXX reason or another but as we were guaranteed to move into closing I had given my current apartment notice that they required before I vacate my apartment.The closing was supposed to happen in 2 days and I hadto be out of my apartment in a week when I get a call from XXXX XXXX that I do n't have the loan because they do n't like the amount of hours I 'm working. To me this is crazy because the information about my work they had since day XXXX almost 3 months ago. To waist my time, money and energy and cause extreme emotional distresssince I was left homeless to scramble to find a place to live in a week. That call was the last time I heard from them with no real explanation and its been 2 weeks with no official letter or call. There is no justification is to mislead and discriminate against me claiming information you had from the beginning about my income which was obviously enough to get me the pre approval along with my credit and to even call and tell me that I have the loan as well as my realtor. To lie to me, give me false hope which i made decision based on and that concern my life and my family 's on is horrific! To be at the finish line and to pull the rug out from under me is a disgrace!. I believe that their decision was based on the fact that I am a Woman and a minority. There is no justification to excuse what TD bank has given. They should be refunding every expense that I had to make with regards to this messy situation, our deposit, the appraisal which we never got the report from them on, the inspections, the moving expenses and the realors fees etc. I am out of a place to live which I loved. TD bank needs to do whats right for what they did. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received my validation of debt after receiving another customers in the mail, but I received a copy of the contract that was not signed .I do not recall living at that address in XX/XX/XXXX-XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Class Financial (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was contacted by XXXX phone number XXXX saying I was eligible for the obama student loan forgiveness program. Spent over an hour on the phone and doing electronic signatures. My first payment of XXXX was done through XXXX which made me suspicious.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a timeshare and cancelled it according to the 5 day grace period. I sent a cancellation through email, fax and mail. However they said I did n't send it through register mail. I tried to work with company, but they would n't accept my cancellation. I did pay for almost 2 years but could n't pay anymore due to loss of wages. This debt was sent to a collection agency. They are not willing to close the case, even when I have sent them paperwork showing that the proper cancellation paperwork was filed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Payday loan) with Alliant Capital Management LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Non compliance of FCRA and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX BANK Account # XXXX unilaterally and incorrectly reported payment of my mortgage history, this error was subsequently corrected and mailed into all XXXX credit bureaus ; nevertheless the late payments continue to appear on my credit report. I am requesting that all late payment history is removed due to this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (UT).
Issue: Trouble during payment process

Complaint: In XXXX, XXXX Loancare paid the wrong parcel id number from my escrow account. The amount they paid was double what my property tax payment should have been, leaving me with a shortage in my escrow account. On or around XX/XX/XXXX I called Loancare to let them know that I received a delinquent notice from the county because my taxes were not paid. I also uploaded the delinquency notice to their website, as they told me to do. I was told I would hear back within 7 days, but I didn't so I called again on or around XX/XX/XXXX. I was told that the delinquency notice was showing up in the system, and again that I would hear back within the next 7 days. I received no call, so I called again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX, and again on or around XX/XX/XXXX. Each time I explained that my payment has increased due to the " shortage '' in my escrow account, and that making the additional payment is a hardship for me. I have been advised 3 times that my issue has been escalated, and that I would receive a call back within XXXX hours, and I have only once received a call back to inform me that the tax department was reviewing and would get back to me ... which they never did. When I called again today, I was told they still have not corrected this issue. Now, my XXXX payment with the additional escrow payment is due in a couple of days, and there is still no resolution, which is very stressful.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months

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 09/19/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Approximately during the month of XXXX, I upgraded my internet service with XXXX XXXX XXXX. A month later I received two bills from XXXX XXXX XXXX and when I contacted them, they said I only had to pay one bill. Approximately a month later, I received a letter from XXXX XXXX XXXX stating that if I did n't pay my bill, I would be send to collection. Again, I contacted XXXX XXXX XXXX and they confirmed I did not owe anything. Then again, I received another letter and XXXX XXXX XXXX said I did n't owe anything. Now, I received a letter from a collection company ( Franklin Service ) dated XXXX XXXX2017,  and they are asking for me to pay {$80.00}. I immediately contacted XXXX XXXX XXXX and they confirmed I did not owe anything. I also contacted the collection agency to inform them what XXXX XXXX XXXX told me. The collection agency is not wanting to remove the amount I supposedly owe because XXXX XXXX XXXX has to contact them. I have tried talking to XXXX XXXX XXXX and they say they are unable to do and unable to send me a letter stating I do n't owe them Anything.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I want an investigation into how and why Equifax allowed Customer Credit Reports to be breached and how I was affected by this unfortunate event. I want all available information Equifax has as a result of this breach to be disclosed to me indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: My car is financed by Honda Financial. It is a 2011 XXXX XXXX. My finances changed when my hours with my employer were cut back, and I requested That Honda Financial change my due date for my monthly payment to the XXXX of the month. They refused to do that. They said that I had changed it too many times already and they would not allow me to change it again. They said that they would charge me a late fee if I did not pay on time. I asked to speak to a supervisor. The supervisor would not relent. I spoke to several people at Honda Financial and they were adamant, and would not re consider. I told them the bill would always be paid, every month but it would be late because they would not change the payment due date. I realized that they were not motivated to change the date because they would be collecting another {$20.00} per month in late charges if they did not change it. And now I have an extra charge accumulated of {$600.00} in late charges. And now they say that until I clear that {$600.00}, they will not move the due date. I feel that Honda Financial have unfairly collected these extra late charges because they would not change the due date, deliberately manipulating the situation to their advantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent transunion a dispute with copies of verification of items being removed and re-inserted on the same day, on XX/XX/2017. Today I called them and told them I have not received anything from them and asked for status as it has been over 30 days. I spoke with XXXX. 
When I disputed back in XXXX, which XXXX, confirmed over the phone, I did n't receive a written status update or update credit report from Transunion. So today I asked them to remove the accounts I disputed on XX/XX/2017 because they have not responded in the time allotted by law and was told that it was previously ( XXXX XXXX returned from the creditor as " verified '' I have charged off accounts showing balances and reporting charged of monthly which should not have a balance " XXXX '' and should not report as an open account and tansunion does not want to delete this false information. I 'm frustrated because ive been reading the laws and I 'm disputing based on the laws but transunion is not complying.

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