milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I requested the method of validation provided by Transunion on the Bankruptcy that is on my credit report. They sent me a credit report instead of a results letter under file # XXXX fated on XX/XX/2018. This judgement is not on XXXX or XXXX  and Transunion seems to be the only one that won't address my issue or provide accurate documentation on how this debt was verified, I want it removed from my report immediate for violation of FCRA. I wrote a letter directly to the creditor as well to provide me on how the method of verification used on this bankruptcy and got no response. Please remove this bankruptcy from my Transunion 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 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted TransUnion after receiving documentation from XXXX that they have removed their listing from my credit file after their investigation. XXXX is the owner of the XXXX/XXXX Account. I contacted Transunion and advised them of this and provided documentation and requested that the XXXX/XXXX account be removed from my credit file. When XXXX/XXXX sold the account, they sold their rights to the account. Previously, they updated the date reported on the account after a previous dispute. I then spoke with the Special Handling department and spoke to supervisors who requested me to fax in the documentation and that they would remove the account upon receipt. They did remove XXXX but they are refusing to remove XXXX/XXXX. I was advised that I needed to get a letter from XXXX advising that they sold the account to XXXX and they sent me one via fax. I have also sent the affidavit that XXXX used to remove their listing as I was told by XXXX a special handling supervisor on a recorded line that that was sufficient and he could get it taken care of in a day and then later did not remove it. This account is too old to be going through all this confusion.

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 07/31/2017 about Mortgage (Conventional home mortgage) with VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA).
Issue: Closing on a mortgage

Complaint: Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MS).
Issue: Fraud or scam

Complaint: On Saturday morning, XX/XX/2016 at around XXXX or XXXX I received a call form a caller ( Ph # XXXX ) asking me if I was at my home computer. Once I got to my computer the caller was in my system informing me that I was being hacked by various hackers and showing me a number of errors. He asked if I could see what he was talking about. Once I confirmed, he then offered me computer help ( XXXX XXXX XXXX ) with offers as follows : 3 Years- {$190.00}, 5 Years- {$260.00} and Lifetime- {$290.00}. I opted for the lifetime and paid with my Visa creditcard while online. The caller than screen printed for me a copy of the computer help page with the following POC. XXXX XXXX, XXXX XXXX XXXX FL PH # XXXX XXXX or XXXX and a security code-XXXX. And, invoice for the {$290.00} charge. XXXX XXXX XXXX XXXX XXXX XXXX & Support email : XXXXXXXXXXXX dated XX/XX/2016. He instructed me to reboot and start using the computer after 2 hours which would be after he had finished upgrading the system with the new security software. 
Later that even at around XXXX or XXXX a XXXX caller ( XXXX Ph # XXXX ) called and told me that the first caller had made a mistake and that he was going to refund me my money and provide the services to me for free from six months. But, for him to do that he would need to do a bank to bank transfer of the funds and for me to go to my computer. When I did the caller was in my system, and also in my XXXX XXXX accounts showing me where he had credited to my account the {$290.00} but had also credited an additional {$3000.00} by mistake and printed me a screen copy of the statement showing a total balance of {$6300.00}. He said for him to fix this problem and come out of my computer system I would need to return to him his {$3000.00} via MoneyGram ( Ref # XXXX, dated : XX/XX/2016 ) through XXXX to a XXXX XXXX in XXXX. If not he would XXXX out my account all together. I went to the XXXX in XXXX and completed a transaction in the amount of {$2400.00} plus an {$18.00} charge for a debit total of {$2400.00} from my checking account. 
When my wife and I returned home later I used her iPad to log into the account and upon doing so I realized the called had transferred the {$290.00} plus an addition {$500.00} for our savings account into our checking account to cover the MoneyGram as listed above. At no time did I have access to my home computer while the caller was in the system and on the phone. I was only able to view the screen shots that the caller provided. 

XXXX END OF STATEMENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (WI).
Issue: Received a loan you didn't apply for

Complaint: On XXXX XXXX I received a letter from a collection agency ( XXXX XXXX XXXX XXXX of XXXX, CO ) that claimed I had taken out a loan and failed to repay it. The loan was from Cash Central which I discovered ultimately was a subsidiary of Community Choice Financial in XXXX, OH. I called XXXX to indicate that I had not taken out such a loan and that if they continued I would like proof including a signed contract, bank account numbers where the loan was deposited, etc ... They refused. Because this group clealry appears to be a payday loan company that will give money to anyone with a social security number and the ability to click a box on a computer, I filed a complaint with the BBB in Ohio and Colorado. Today, I received an email from Community Choice asking me to fill in several documents and to obtain an  affidavit from the police that my identity had been stolen on a loan that was allegedly made XXXX XXXX, XXXX. I am not alleging identity theft but simply that they have provided a loan in my name without sufficient proof of my identity. I called them today to ask for documentation and they were rude and refused to answer my questions or do anything without me filling in pages and pages of documentation for something that has nothing to do with me. This company clearly has inadequate financial controls and underwriting processes in place. Had they simply checked my credit report and asked a few questions the loan never would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Student loan (Non-federal student loan) with Alorica Inc. (MT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is Statebridge LLC have never received my escrow analyis for the upcoming year, have called several times to request it and find out what the new payment is due XXXX XXXX, still no response. They do not return calls, emails or faxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following fraudulent inquiries from my Transunion report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone opened a utility bill in my name. I did not authorize this account to be opened.

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 06-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Three times Navient has put me into Administrative Forbearance. I am enrolled in Auto payment so the money is taken directly out of my account and the payment is drawn from these accounts. I am also making payments on my children 's loans through XXXX XXXX College and XXXX XXXX University which is also being affected. Not only am I being charged interest for back pay but my credit score is being lowered because of delinquent pay which is not my doing. I am hoping for some help so this does not continue to happen.I am living paycheck to paycheck and ca n't afford to have interest added for things that have happened Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been repaying my loans for the past 11 years. XXXX being the former owners in my opinion was hard to work with in regards to forbearance utilization and deferment assistance ; Navient is by far worse. I have requested several times to have my co-signers removed as I am not in default on any of my XXXX loans and that has yet to happen. I also tried to obtain copies of the original contracts for the loan request and a year later have not received the documents. If it was not because these loans werie private I would have been forced to file bankruptcy with what they expect for repayment monthly based on income rather than how much your household expenses are. The interest is higher than ever by time most students are able to replay these loans we will be drawing social security ( if any. )

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a fire at our home XX/XX/2017 when the insurance company processed checks for repairs they were made out to my wife and I and our lender Wells Fargo, We took them along with the XXXX estimate of repairs to our local Wells Fargo Branch to deposit them.We were told that we also needed a signed contract from our contractor so we obtained that and returned to the bank then were told that we needed to process other bank documents that were not provided to us were told we could n't get them online and yhey would have to be mailed to us by XXXX 5 days later we recieved them we filled them out went back to the bank and were told that the checks along with the documents would have to be mailed back to Ohio to be processed. The bank fedexed the documents and checks for processing three days later we returned to the bank as we were told that all the documents had n't been recieved ( they never contacted us to let us know ) the bank then faxed all the documents and were told they had been recieved and it would take at least 6 business days to process so the funds could be made available. It is now three weeks and we still do n't have access to the funds so that we can pay out contractor for repairs that need to be done so that we can get back in our home.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX University in XXXX. At that time I was told that I needed to borrow {$7700.00} to cover the remainder of the semester. The loan counselor stated that I would only have to pay {$50.00} a month to repay the loan. Now I have a {$200.00} payment with 13.50 % interest rate and the bill is now {$13000.00}. The university is a for profit university and was under XXXX at the time, which I was not told about. The loan has doubled and I was not told about the XXXX. The interest is {$140.00} each month and {$63.00} a month and I have been paying it since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Before I requested a fraud alert online, I updated my mailing address with all XXXX credit reporting agencies. Out of the XXXX credit reporting agencies, Equifax is the only one that makes it difficult to update a consumer 's mailing address or delete wrong ones. There are numerous online complaints depicting my situation. I do not feel comfortable faxing a copy of my Driver 's License to Equifax when someone misused my identity back in XX/XX/XXXX at XXXX which is depicted CFPB case # XXXX. My wife and I called Equifax more than XXXX times last week and it was difficult to speak to an efficient representative. Although I gave verbal authority for my wife to speak on my behalf, the reps did not want to speak to her. The other XXXX credit reporting agencies had no issues with this. To make a long story short, according to XXXX in Equifax 's XXXX Department, the fraudulent account no longer shows therefore I need an updated copy of my credit file. He advised that he would not mail it to my actual address, instead Equifax can only mail it to my old address which I have not lived at for several years. This is unacceptable and inconvenient. Please your assistance is required. I need an updated copy of my credit report to be mailed to XXXX, FL XXXX showing that account # XXXX XXXX, was indeed removed. Furthermore, I have never lived at XXXX. This is a computer error which Equifax is also known for. I would like for Equifax to remove that address. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (CA).
Issue: Shopping for a loan or lease

Complaint: In XXXX of 2014, I tried an XXXX XXXX XXXX and found their interest rates and car selection to be predatory and unacceptable. I never went through with any of the loans offered, and when asked if they could do a credit inquiry I was told that they would only do XXXX soft inquiry that would not affect my credit report, only to find that my TransUnion credit report has XXXX hard inquiries from the same group of financers that I never approved. XXXX of the hard inquiries were made soon after my meeting at the building that XXXX tells you to go to when financing a vehicle. XXXX inquiry was made a month after my visit to the office. There is simply no excuse for them having done XXXX hard inquiries when I only authorized them to make XXXX soft inquiry that would not impact my credit. I did not use any of these financial services and went with a XXXX loan instead. 

EXETER FIN ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ), XXXX ( XXXX XXXX, 2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I sold and item on XXXX a while back. The item worked as it should and had accessories with it. The purchaser stated that they wanted a refund and they where instructed buy XXXX to send the item back to me. When I got it all my accessories were missing. I spent hours on the phone with XXXX trying to resolve this and explaining my side and had proof. Then they passed the situation on to XXXX, now XXXX is trying to collect the debt payed to the buyer from me. I will have to find the documentation I have, but I was wronged, and XXXX would n't stand by me. They told me it was the cost of doing business. Now XXXX is trying to shake me down for money, and offered to settle for half of the principle paid in the beginning. This is fraud, a crime and unethical. I do n't want letters from bill collection agencies and or XXXX bothering me anymore. This will end up in court if it does not stop and if it lands on my credit report there will be a lawsuit. The weight of the item sent out to the buyer of my item on XXXX was a certain weight and coming back it was considerably less as my accessories where stolen for my device I sold. That was my proof to them and they did not care. I had spent years trying to get the XXXX score I had and never had issues like this and they still did n't give me the benefit of the doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (I do not know) with AFNI INC. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I contacted Bank of America regarding filing a complaint against a company called   XXXX   XXXX  , Bank of America initially refunded the money but then later took it back in    XXXX    2017   . I contacted the bank telling him that the company does indeed want to refund as the merchandised had been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Filed a dispute with all three credit reporting agencies, that they are inaccurately reporting the following inquiries that I am not familiar with or not mine ( did n't authorized the hard pull of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX, 2016 and XXXX XXXX, 2016 XXXX and the 30 day later notice of : XXXX XXXX XXXX. Not accurate or mines. 
A certified mail was sent to the above mention, as of date, I have n't receive any response and the information is still being report, that impacting my ability to obtain further credit. Without Prejudice

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