milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2017 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: This account XXXX XXXX is supposed to be closed, it 's a charge off. I 'm disputing it for not being my account, they say I 'm a cosigner in a auto loan. I asked them for a copy of the contract with my signature, under the fair credit reporting act, although what they 're trying to do is past the statute of limitations. As I requested before I want a copy of the invoice/contract with my signature.they or TransUnion just recently opened this account for no reason but to lower my credit score by almost 40 or more points on purpose. The statute of limitations on this account is four years which is over but if they want to keep reporting this erroneous information, I need to see that contract by law.

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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.

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 04-04-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery continually calls my home number. I have informed them repeatedly that the debt they are pursuing is not my debt. I have informed them that the last XXXX SSN # digits and the birthdate they have on record of the alleged debtor is not mine. I have a common surname and first name. I have given Portfolio Recovery express orders to not contact me yet they continue to do so. They will not answer query 's from me about who they are and why the still call my home number. I do n't know if Portfolio Recovery is even their legitimate business name. It is the name that displays on caller ID. They are rude and uncooperative. Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I work very hard to pay my bills and I want very much to keep my student loan payments in good standing. I can not afford the XXXX a month payment Discover is requiring of me. And now they tell me I have no options. None. I have tried all I can to come up with a payment plan that works for us both. I am a new father and have even taken on a XXXX job to try and make ends meet. Discover let me pay a reduced payment of $ XXXX/month that was just doable for me. Now I am out of options. The only option now, it seems, according to Discover, is to default, which I do not want. I have XXXX co-signers : my brother who is in the XXXX XXXX and can not afford these payments and my sister, who also can not as she is a stay-at-home-mom. I want to be in good standing. I want to work with Discover, but they refuse. This can not be how their business works : " Sorry, too bad, nothing we can do. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Hello, got denied for a credit card application from BBVA compass. States " unable to verify identifying information ''. They denied me without confirming which information they need. I am very open to share whatever information they need to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has organized my loans into groups ( Group A, Group B, Group C, etc. ) and lists an " interest rate '' for each Group. For almost two years, I have been diligently making extra payments to the groups I believed had the highest interest rates. 

I recently discovered the 6.276 % " interest rate '' listed for Group A is misleading. Group A actually contains XXXX separate loans : Loan XXXX ( about {$20000.00} ) is at 6.8 % interest, while the other XXXX ( totaling about {$10000.00} ) are at 5.41 %. So, even though I believed I was prioritizing my highest interest loans, I have been missing a {$20000.00} loan hidden among loans with lower ( in fact, the lowest ) interest. 

This seems unfair and I can not help but suspect these groupings are intentional. A student loan servicer should not be able to hide high interest loans in a group with low interest loans, especially when that makes the entire group appear to have a lower interest rate. 

When I first spoke with Nelnet, they informed me the only way to apply payments strictly to Group A, Loan XXXX was to make a payment to all of Group A, wait for it to clear, and then contact their accounting department to reallocate the payment. This whole process would XXXX XXXX days. Concerned about the delay and the prospect of having to do this for every payment, I then asked them to separate my Group A loans by interest rate. They claim they are processing the request. 

I feel misled, but I am less concerned about my own situation than by the prospect of others having the same experience. This seems unfair and deceptive and I hope the Bureau can investigate whether Nelnet uses this practice regularly. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (TX).
Issue: Trouble during payment process

Complaint: XXXX. XXXX my Mother and her husband bought a home at XXXX XXXX XXXX XXXX XXXX, XXXX The mortgage company was XXXX mortgage. They signed the loan documents as husband and wife.. In XXXX the husband decided to go to California and deeded the home to my mother. He returned about a year later and lived there until he developed XXXX in XXXX. At that time I took over the mortgage payments and kept the loan current and provided insurance coverage. In XXXX XXXX the husband died. XXXX XXXX XXXX soled the mortgage to CMLTI mortgage company..I kept the loan payments to XXXX current. XXXX XXXX Fay Services bought the mortgage. This is where the problems began.Faye services changed to ownership of the home and responsibility for the mortgage form my mother to her deceased husband. Fay refused to discuss correct this and refused to discuss with us on numerous attempts we made to talk with XXXX XXXX and XXXX XXXX loan officers. Because they would not tell us the current amount of the loan balance or amount of payments. We paid the same payment as was required by XXXX All XXXX taxes were deferred by the county because my mother is XXXX. Fay set up escrow for taxes despite the fact that the taxes were XXXX Notice was sent to the husband 's family showing he owned the property. His family immediately filed a probate lien on my mother 's home. We hired a lawyer. Fay would not cooperate with him.. Faye cashed our checks and this loan should b up to date. We received a notice from Fay advising that if we do not pay and additional {$20000.00} by XXXX XXXX they would foreclose on my XXXX XXXX XXXX mother 's home.. There are XXXX complaints against FAY services with the BBB and more with Texas Dept of Savings and Mortgage Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: I attempted to send XXXX XXXX to my friend XXXX, living in the XXXX, sending him the money at XXXXPST on the morning of XX/XX/XXXX.By XXXX, He had not recieved the money. Angry at Paypal, i proceeded to cancel the payment and try using the service through XXXX instead. The service there was able to transfer the lesser amount of XXXX XXXX to him with no problems or delays. It 's been about 20 minutes since then, and i have yet to receive the refund promised to me by the company of {$290.00} ( XXXX XXXX converted )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Home equity loan or line of credit) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern. 

My father passed away in XX/XX/XXXX. I purchased his home from the Estate. He had a Mortgage with XXXX XXXX Bank. I was able to assume the mortgage and have it placed in my name. He also Had a home equity loan with Fifth Third Bank. Fifth Third Bank refuses to place that loan in my name, but if I refuse to pay the loan they threaten to place a lien on my home. I bought the home because it was modified for my father who was XXXX. I to am XXXX, so the home was easier for me to manage. I feel that Fifth Third Bank is blackmailing me. I have asked them to place the loan in my name, but they refuse. So in turn ; I have been paying on a dead man 's loan for almost a year now. I feel this is wrong. Either place to loan in my name or dismiss it. 

Any advice would be appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Application, originator, mortgage broker

Complaint: I applied a loan modifications at Nation Star Mortgage XX/XX/XXXX and until now I have n't got the approval & gt ; & gt ; and kept saying that the loan was denied due to missing documents & gt ; & gt ; This is not true because I am very much concerned to keep the house for investment & gt ; & gt ; I am behind of almost 2 years for the payments and they are stressing me out to pay it so I can keep the house otherwise it will be foreclosure & gt ; & gt ; According to my tenants who live there right now they have been harassing them and gave the letter of foreclosure XX/XX/XXXX gt ; & gt ; take pictures of the house outside & gt ; & gt ; I am retired XXXX and receiving social security XXXX taking care of adopted son and want your help to stop the foreclosure I was able to pay the monthly that time & gt ; & gt ; I really want that house to keep for my investment in the future & gt ; & gt ; Thanks for your consideration and your kindness. 
The complete detail of the mortgage & gt ; & gt ; Nationstar MortgageAttn. Making Home Affordable Loan Modification processing XXXX. XXXX XXXX Texas XXXX XXXX Loan SpecialistTel. No - XXXX XXXX XXXX ext. XXXXFax no. - XXXX XXXX Loan no - XXXX owe {$89000.00} as of now and the house is worth {$130000.00} according to the market valueI really need your attention to help me to solve this problem because it 's affecting my medical problems & gt ; & gt ; I am on XXXX twice a week because XXXX I am having right now & gt ; & gt ; The doctor advised me to lower the stress to keep me healthy & gt ; & gt ; I just had XXXX XXXX XXXX XXXX XXXX & gt ; & gt ; I am divorcedHere is my tel.cell no.- XXXX XXXX XXXX XXXX XXXX - XXXXXXXXXXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a short sale in XXXX XXXX and here we are in XXXX XXXX still waiting for bank approval and a closing date. I have been put under tremendous stress the past 2+ yrs. Bank of America has done nothing right by me. Their customer service is downright despicable and deplorable. One of the owners is a veteran ; to treat a member of our military this way is even more disgusting. We are getting a divorce and want to move on with our lives. BOA is doing nothing to move that process along for us. My file has been bounced from person to person and no one knows what they are doing! I spoke to a XXXX XXXX XXXX last week and was told that my attorney noted in XXXX on XXXX/XXXX/XXXX at XXXX that the buyer was getting a mortgage and pre-qual. This deal from day one was a cash deal and BOA was never told otherwise. My attorney provided me with a copy of an email she sent to the representative XXXX XXXX at that exact time and it did not state the buyer was getting a mortgage! It said the buyers proof of funds were sent to them and that it was a cash deal. How is it that BOA shows something different? I 'm going to say that they altered the XXXX notes to make it look like my attorney was screwing up my file. When in fact she has no admin rights to modify anything in XXXX. This is completely disturbing and unethical! BOA has been dragging this file on for years. I understand the VA needed a year to go through the modification process but we are well beyond that and a short sale should not take this long. I have asked for a copy of the Equator notes and BOA is refusing to release them to me. I have a right to see my file. My file was closed on several occasions as BOA said I failed to provide documents that they asked for. I have complied with every ridiculous request and have sent items multiple times! My attorney follows up daily and also sends documents over and over again. I can not express how horrible this company is! This is the very reason we have so many foreclosure in the US. BOA needs to be held responsible for their illegal and unethical practices! I want a full investigation into falsifying notes in XXXX. I can guarantee XXXX XXXX has the original and true copy of the email from XXXX in her deleted items to prove that either she or XXXX XXXX altered the email to their advantage and prolong my case.

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 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!

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 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On the morning of XXXX XXXX, 2016 ( this morning ), I pulled my Experian credit report and noticed yet another trade line ( collection ) that is reporting on my credit due to fraud/identity theft. I recently submitted a claim with the CFPB on XXXX XXXX and Experian has continued to be diligent in the process of removing false and fraudulent information reporting on my credit file. At this juncture, I would like to add yet another item to be disputed as Fraud. It is actively reporting on my credit under the name of XXXX XXXX XXXX to which is not my name XXXX XXXX XXXX XXXX XXXX. The collection company is XXXX. XXXX XXXX with them representing the creditor of origin XXXX XXXX XXXX. I have attached AGAIN the necessary documents to prove 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 non-monetary relief
Consumer complaint received 03/16/2016 about Credit reporting () with Credit Karma, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a twin brother ( who has a similar name as my own ) and our SSNs are virtually the same sans a single number. With this being the case our credit reports have juxtaposed information on them. This presents a problem anytime our credit is checked.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I can not get my credit report accurate Equifax. They have erroneous security questions and continuously block my online access, no matter how many times i fax them my drivers license, the questions they pose have absolutely nothing to do with me, thus I can not enter the file or online dispute process. I do not have this issue with XXXX or XXXX. My credit score with XXXX and XXXX is near XXXX and XXXX has it listed at XXXX, it dropped over XXXX points in the last month alone. When I was able to finally view my equifax report, none of my new accounts were listed and none of the information I had disputed has been removed from my Equifax report. 
I have tried contacting Equifax to no avail. No resolution. I would like my Equifax file to be corrected or at least a ) have the ability to access it b ) have Equifax actually make the corrections it needs to. It should mirror the other reports but it is so far off it looks like someone else 's credit report. 

I am seriously considering suing Equifax for interfering with my Business plans as their inaccuracies are causing me to be denied credit unjustly and I plan to purchase another vehicle and I want a correct and accurate report by that time which is 90 days from today.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with Citi for over 8 months. They have had a complete package and " been under review with no documents requested '' for over 3 months I call and call and get no where. This short sale should have been approved months ago. There is no excuse for their treatment of files. I have XXXX with the right now and all XXXX are completely stale. I call in and there are no notes in the system and my " negotiator '' is never available. Supervisors are also never available. I have asked for return calls and NEVER received XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Bank of America on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied " NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Bank of America that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Bank of America honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.

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