milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found a late payment on the date below : XXXX 2016 I am not sure how this happened. I believe that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 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: I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/Transunion XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX hard inquiry XX/XX/XXXX -, Transunion XXXX auto, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX Transunion ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX, auto hard inquiry XX/XX/XXXX - Transunion ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/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 04-02-2017 about Debt collection (Medical) with Capio Partners, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been asking for Validation of a debt that I was told I owed and in asking for validation I have yet received anything from this company. I know they have received my validation request because it was sent to them certified and was signed for by a company representative. I have yet to receive validation of any kind as requested but I am still receiving letters from this company saying I owe something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I checked my credit report on transunion and had An unauthorized hard inquiry from XXXX XXXX on XXXX XXXX, 2015. 
Their address and phone number is : XXXX, MN XXXX 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 09/21/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Date : XX/XX/XXXXFrom : XXXX XXXX : Unfair and Premeditate re-modification practices Carrington Mortgage ServicesTo Whom It May Concern, This a complaint of unfair practice with re-modification regarding Carrington Mortgage Services. I received the final Modification proposal from Carrington Mortgage Services on XX/XX/XXXX.Prior to the modification agreement, I was paying trial house payments of XXXX from XXXX, XXXX XXXX, and XX/XX/XXXX. the previous loan agreement had the escrow included with mortgage insurance and property taxes. Unknowingly, when I received the final loan modification from Carrington Mortgage Services. I did not know that the new modification included the interest and principle ONLY making the new monthly loan XXXX .Also, being responsible for the escrow of housing insurance and taxes. I found this out when after receiving other notices form Carrington mortgage which I will enclosed with this complaint. Moreover, the real purpose for this unfair practice and premeditated maneuver is that prior to Carrington Mortgage Service assuming form the previous intercessor, XXXX XXXX XXXX. I was battling a complaint for predatory lending with them and had file with a Law Firm to obtain re-modification like so many other disadvantaged home owners. I did not pay my mortgage after having to pay law fees and the previous misses payments with multiple interest is {$36.00} accrued by Carrington Mortgage company. I will enclose evidences and motive for this unfair re-modification by Carrington Mortgage. In addition, I had already filed a complaint pervious to this on former file number:XXXX 
Thank You for Your cooperation in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I went through a divorce and applied for a loan modification through Bank of America. They required my ex-spouses signature on the application in addition to the quit claim deed and divorce court order. It came to my attention this XX/XX/XXXX that I have not been receiving mortgage statements from B of A and I did not receive my interest statement for tax filing purposes. I called B of A and was told that my former spouse called them in XX/XX/XXXX and requested an address change. When I asked them how they could change an address and not inform me I was told that he is the primary on the loan and they had no obligation to inform me. As a result of the change of address B of A discontinued mailings to me. Therefore I was unaware of an increase of XXXX in my mortgage and was issued a late fee. I have made several requests for XXXX XXXX to be removed from the loan and have been told I must go through assumptions and re-qualify and pay approximately {$1500.00} for this process. I believe I am and was discriminated against as a female in the application process as I was gainfully employed at the time of the modification and thought I was assuming the loan at that time. I do not understand why XXXX XXXX, who was was divorced from had to stay on the loan.

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 09/25/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Commenity Bank called my father on XXXX/XXXX, XXXX/XXXX and XXXX/XXXX at which time they disclosed my debt concerns with him. They also called my brother on XXXX/XXXX and disclosed that I am in debt and stated that I had until XXXX today to call them back or they were going to take legal action against me, they left this information in a voicemail to him. No one in my family was aware of my situation until these calls were made. This was private and has cause a great deal of public embarrassment for me. 

I did call them back and have set up payment arrangements. I however would like to know if legal action is appropriate in my case. 

I called and spoke to them multiple times to advise them the medical reason that I fell behind in my accounts. I asked them to stop calling me while I was at work as I am unable to answer my phone while there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Disputed debt, failed to respond to Dispute Notice, continues collection efforts

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Settlement process and costs

Complaint: We submitted an offer on a house that is for sale, via short sale, through Wells Fargo on XXXX XXXX, 2015. Since then, we have had to update the contract 3 times, to which we still can get no response what-so-ever from anyone at Wells Fargo on the status of the contract. The listing agent has been through XXXX different people at Wells Fargo and not one has been able to give any of us an answer. One week, our contract is with the negotiator and they 're pushing for an answer by the end of day on Friday, which has now been a month ago. I have since sent an email to the board of directors at Wells Fargo and have spoken with a gentleman, but again, they have no answers as to where our contract stands.

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: dealing with my bank on a new line of credit. they received a negative credit report. when contacting credit reporting company I was referred to another site for a free report, the problem the response would take up to 2 weeks. and due to the time constraints placed on me by the bank, that was n't going to work. my only option was to be come a member of that credit agency. 
after paying the fees, what I got was a report with only numbers. no company names or contact phone numbers. I called the credit agency 4 times trying correct this problem to no avail.during this time I had purchased {$1.00} seven day service. to get a corrected report it cost {$29.00}, and still did n't get a corrected report they also have a 7 day cancellation. I canceled within 3 days. I was sent an email from this company asking if I really wanted cancel. meantime I received a letter from the bank I was working with telling me my line of credit was denied because of the negative credit report. they gave me an XXXX number if I wanted to see the information the credit agency had gathered. I call the number gave them all the information they requested. 2 days later I got a letter from this company claiming the information I had given then on phone was not correct and had to submit additional paper and pay a {$10.00} fee. I was certain I saw a credit on the visa web site from this agency. checked the same visa web site the credit was gone. called visa, the rep I spoke to said she could get this company on the call and we could work this issue out. the person from the the credit agency said she could not refund my money that a supervisor would need to do that, told her, fine put your supervisor on the line. in the transfer process naturally I was disconnected. trying to get a credit report from this agency at best is horrific and worst a nightmare. I do n't have any documentation to backup my story, because when I thought I saw the credit on the vise site from this agency I deleted all the emails

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 06/14/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: we are currently delinquent on our mortgage and have a sale date of XXXX/XXXX/XXXX, we have tried numerous times to get help from ditech but no one is helping. I have turned in all the documents they have requested several different times. I was laid off in XXXX and have not been able to find work since. my wife is very ill and has mini strokes occasionally since XXXX the co borrower is a sole provider and the only contributor right now to the household while he is on a fixed income it has made it very tough on him this year and we are scared we will lose our home. Please help us save our home!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted a complaint against United Revenue Corporation back in XXXX over a {$330.00} debt they are claiming has not been paid, XXXX 's response was " United Revenue Corporation ( URC ) is dedicated to investigating, verifying, and validating any account that may be disputed by a consumer. In response to this complaint, URC searched our records and then contacted our client to ascertain if any payment had been received. Neither our client nor this office has received any payment whatsoever on this account. In order to refresh the consumers memory, URC obtained an itemization of this account and mailed it to the consumer at the address he provides in this complaint. A copy of the letter is attached to our response as XXXX XXXX. URC has reported the account as disputed to XXXX but we confirm that the account and our report have been investigated and both are completely accurate. If XXXX XXXX can locate any information that would shed light on his assertion that the account has been paid, URC will reinvestigate. '' After reviewing this further ; I prefer to not have to wait until XX/XX/XXXX for this to fall off my credit when this is something that has been taken care of ; I unfortunately do not keep phone records from years ago ; and have no was of proving that this has been taken care of ; After diligent research Multiple experiences have occurred where this company has not been fully transparent and I simply want to resolve this claim, After seeing the " F '' rating on BBB ; and reading multiple accounts of people who 've had issues ; I simply am attempting to resolve this ; and am requesting that this company closes the account ; and removes this from my credit report as it should n't have ever been on my credit report to begin with. 

Please consider my request ; I really do not want to have to wait until XX/XX/XXXX for this ; but I will not pay for something twice. United Revenue Corporation should have never been sold this debt ; and have also been placed in an unfair position, However I still request that you assist me in resolving this and remove it from all credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them since I have submitted similar disputes before. 
I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm filing this complaint because Experian has ignored me request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation