milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Tranunion reported me 30 days late after showing proof of paying my never late auto on time

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with Charlottesville Bureau of Credits, Inc (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recordings of XXXX different poeple giving me XXXX different reasons for a XXXX. ** amount. First was a remander amount of XXXX. When I called in XXXX tobpay amount in full. My charge was for XXXX including fees and interest on the full XXXX amount. My questions I wanted answered on this has yet to even be addressed and is where my dispute is. The other reason for this XXXX amount was said to be a bounced check ( which I am neither confirming nor denying because it was not my check. ) Also the third reason for this amount was a separate XXXX dollar bill in itself. I have these recorded and XXXX separate companies of which my medical debt was through who were told XXXX of these reasons on the wxact same day. I have requested reciepts in regards to what my payments have went to in detail so I can either agree with them or shiw a mistake was made. I am told i will be sent one and never received one. However, I am refused help. When asked not to be transferred and to speak with a manager I am denied. When asked to leave voicemail I was told mabager does not have one. When asked to handwrite a message for manager they refused to. All of this is recorded and I can prove it so there is merit. I was told yesterday that the manager was out then received call from XXXX who was helping me and said she just talked with her. My issue is the lack of answering questions, a lack of giving me rightful procedures to follow to complain on one in offuce person in paticular who transfered me twice when I ask to please not to. How can I deny nor agree to this debt when they refuse to address any of it? My first concerns popped up when new amounts arose. Im not saying they havent been there the whole time. Im saying they were not in the amount when I myself first tracked vcs down XXXX to start paying my debt off. I asked to pay XXXX lowest amounts first. That XXXX was not mentioned. Later it shows up.i call just asking for more details and that is when I was transferred out of office, not guven proof of payments to certain accounts, and the run around in regards to any manafer of any kind. They made a issue when they have failed to give me proof of all this new stuff. So yes I wanted more details befire paying off. I am not satisfied with there answer. Especially with the no merit comment when I do have recorded, written, and person wittness ( from who they deal with personally not me. ) Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report/file that were opened fraudulently.

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 09/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CORPORATE INVESTORS MORTGAGE (NC).
Issue: Application, originator, mortgage broker

Complaint: I am XXXX in XXXX, NC, where I have practiced for 17 years. A borrower has asked my firm to do his closing and his lender is Corporate Investors Mortgage Group. This lender is requiring that I use XXXX and that I pre-pay the access fee for doing so. This computer system is purely for the benefit of the lender but they have shifted the cost to me, the settlement agent. Additionally, in order to use the program, I am required to agree to the Terms of Service which are ludicrously one-sided. Essentially, if anything goes wrong with my use of this system, I indemnify them and I promise not to blame anything on them to the consumer. I do n't have a choice in using the system, and if anything bad happens ( like their system is hacked and my credit card information is stolen ), I am totally on my own. I am on the verge of telling any consumer that wants to hire me as his/her XXXX that I will decline if his/her lender is Corporate Investors Mortgage Group.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Mortgage (VA mortgage) with PNC Bank N.A. (FL).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX 2015 I applied for a mortgage with PNC bank. At that time I explained to the mortgage broker XXXX XXXX that I was in a chapter XXXX bankruptcy more then 2 years ago. He explained under the rules to secure a VA home loan the bankruptcy timeline is 12 months for chapter XXXX and 24 months for chapter XXXX. This information is Identical to what Ive been told by other banks as well. Secondly I also explained that I 've been offered other loans at a interest rate of about XXXX and was looking for a better rate. He said with PNC I would be looking at rate of bout XXXX and PNC would cover the closing cost which would allow me to secure loan without any closing cost or down payments. Based on this information I said go ahead and run my credit. After he ran my credit he sent a pre-qualification letter at XXXX and a interest of XXXX. I sent in all the requested personal and private documents as requested. I then proceeded to shop for a home and eventually signed a contract. About a week later I contacted XXXX about the loan status and he explained the loan was denied. My point problem is that XXXX mis-represented his ability to secure a loan and PNC bank is advertising its ability to secure VA home loans and not following the guidelines when it come to past bankruptcy, debt to income ratio and credit score. Secondly the underwriter is unaware that non taxable income should be listed at 125 % when it come to DTI ratio for mortgage loans and in my case a XXXX loan would be ok. Finally PNC penalize me for shopping for a car loan and mortgage loans and as I understand the rules mortgage loans and car loans completed withing 30 days should be treated as XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Credit card) with Denovus Corporation, Ltd. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Denovus is trying to collect a dept that was paid off over 10 years ago. I have recieved letters & phone calls to collect this debt which is no longer valid. This is no longer on my credit report nor is in collection. The debt was paid off 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am in possession of a letter from XXXX XXXX XXXX showing that my home loan was paid in full on XXXX/XXXX/2008. This is being reported to the credit bureaus as un-satisfied and it is keeping me from purchasing another home and impacting me negatively. Can you assist me with getting this expunged from ( EFX - XXXX and XXXX ). Thank you in advance for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (VA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Trouble during payment process

Complaint: Caliber failed to set aside enough funds in my escrow account to pay annual taxes. Due to Caliber 's mistake, after tax payments were made in full, my escrow account contains a deficit of more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: On XXXX, I requested a refund check for an overpayment from American Express. I was told it would take 7-10 days to get to me, which was acceptable. On XXXX, I still did not have my check and it was outside of the timeframe I was promised, so I called American Express directly to inquire. The representative I spoke with was very helpful and courteous and offered to have a new check overnighted to my address, but we both decided against that as he thought I might still get the check in the next 2 days. XXXX rolls around with no check in the mail, so I call and ask for a new one to be overnighted. I was told that could not happen and it would be mailed, with the same 7-10 day turnaround time. That was not acceptable to me, so I escalated the call to a supervisor, who told me he would get it overnighted, to be received on XXXX, XXXX rolls around and still no new check! I have the old XXXX now, of course, but that was cancelled so it does nothing for me. I am at a loss of words now because I need this money to pay my other bills, but American Express is not doing anything to help me! This is my money, all I want is to get the money that is owed to me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2017 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: Old information reappears or never goes away

Complaint: On  XXXX   XXXX , I discovered  XXXX   XXXX   XXXX   XXXX  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this 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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with GLOBAL CLIENT SOLUTIONS, LLC (FL).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX, I contacted Global Client Solutions also known as XXXX XXXX XXXX, regarding resolution of 3 accounts to be made. They required deduction of {$540.00} per month from my account and told me they were going to work with the 3 accounts to pay them. Upon receiving current statements from the 3 accounts, I saw that NO funds have been transferred to the accounts to date, plus I am being charged late fees from each of the accounts, along with reducing my credit rating. 

On XX/XX/XXXX, I contacted my bank to stop payments to them, and have asked Global Client Solutions for a refund of all funds they have taken. 

To date, I have not heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Every month Wells Fargo Home Mortgage increase their number of calls to me From about the XXXX of month. Grace period is to the XXXX. I always pay before the XXXX. 
It will start on the XXXX with XXXX to XXXX calls and then by the XXXX XXXX it is up to XXXX to XXXX. I kn ow I have to pay the mortgage. 
Also they will not work with me on my 8.8 % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Numerous phone calls ( early morning thru late evening ). Caller ID says XXXX service ; numbers have been blocked ; but they still call. I do n't answer - do n't know " them '', did n't ask then to call me, assume its scammers. This has been going on for 18 months. Local phone provider says " Oh, too bad, not our problem. " Today I reluctantly called them ( after being called at XXXX last night ) and told them to leave me alone. They are : Pioneer Credit Recovery, IncXXXX I read the riot act to someone claiming to be XXXX XXXX. I asked what scam they are running. Please investigate these people and their " debt collection '' techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.

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 09-09-2016 about Credit reporting () with TD BANK US HOLDING COMPANY (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. 

I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. 

I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. 

I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (ME).
Issue: Application, originator, mortgage broker

Complaint: Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a dispute with Trans Union complaint # XXXX, around XX/XX/XXXX, about reporting a derogatory condition on my XXXX XXXX Mortgage account. This account is not derogatory, I have letters from XXXX XXXX stating that this account is not derogatory and a copy of these letters was sent to all three credit reporting agencies the letter is dated XX/XX/XXXX. On XX/XX/XXXX I called ( XXXX XXXX ) to try to get them to correct their mistake, I get routed to call ( XXXX ) the rep there says there is no derogatory account reporting on my credit report and they route my call back to XXXX who says they can not correct 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 07/24/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: LOAN # NATIONS STAR. XXXX My bank wo n't respond to a short sale that has been in the process for over three years. They ignore request from my laywer, realitor .and me for an up or down decesion. they reply it in underwritng for the past three years We have submitted hundreds of douuments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan modification,collection,foreclosure

Complaint: We did a short sale on a mortgage in 2013. We had a mortgage with Wells Fargo which was a VA loan a that time we had a balance of of {$250000.00}. Wells Fargo agreed to the sale price of {$240000.00} and after all fees the sales proceeds were {$220000.00}. which left a balance of {$32000.00}. We received an agreement from Wells Fargo prior to the closing that they would not seek any deficiency balance. I have just been informed by VA home loan certificate dept that Wells Fargo did request the balance from them in the amount of {$64000.00} which is {$31000.00} above the deficiency balance. Now in order for my husband to get back his entitlement on his VA home loan certificate we will have to pay {$64000.00} to the VA. My question is was Wells Fargo within their right to seek the deficiency payment ( after they told us they would n't ) and if so, are they allow to profit {$31000.00} from it requiring us to be liable for that amount to the VA??

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 09/18/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up

Company response to consumer: Closed with explanation