milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: loans show up on my report and its not mine, i have police report # XXXX Id theft

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 Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get my loan straightened out for over 2 years. I must admit that I am partially responsible because I took some bad advice. I got behind in my payments and my problems seemed to just get bigger from there. I have been trying to get a loan modification through my bank and have sent in the same paperwork on at least XXXX occasions but ca n't seem to get enough. I have tried since XXXX 2014 XXXX last time and I had to file bankruptcy to keep the bank from putting my house up for auction. I thought I had all the paperwork in but I needed more. I have been trying to get my house payments figured out so I can start making them while I am trying to get the modification but I am having having no luck. I have called the bank to try to get some info and no one at the bank can seem to give me a straight answer about anything. I keep getting transferred from XXXX no nothing to the other. I had a person that was supposed to be my contact but he keeps transferring me to other departments and I have been on hold for up to XXXX min on numerous occasions and coming away with nothing. I have sent many emails to my so called contact that tells me he will check my account and get back to me but never does. I have sent letters to the banks ethics dept on several occasions about the problems I am having and they keep sending me the phone number of the same person. I have been trying to straighten all this out constantly over the last couple of weeks but am getting nowhere slow. Not XXXX person I have talked to at the bank can figure out how much my payments are supposed to be or anything concerning my account. All I want to do is to get some answers so I can start making my house payments on a regular basis as my house is going to go back on the auction block on the XXXX of XXXX. I am a XXXX year old XXXX XXXX vetran with some serious medical issues and the stress is not helping my situation XXXX bit. All I want to do is get some straight answers no handouts and nothing free and move on with what I have left of my life and not wind up on the streets. I have a lot of the emails I sent and received however I did n't start doing that until the last week. thanks for reading this. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Shopping for a loan or lease

Complaint: Wellsfargo convinced me to change my auto loan with their bank. I received numerous calls from a rep stating that they could give me a lower interest rate of 1.99-3 % and when I decided to switch my loan, the loan officer stated my loan would be 7 % and I had an XXXX credit score. I said that 's not right and the loan officer stated my loan with my precious bank was 12 % and after looking at my paperwork ; I realized the bank lied to me so I can have all my accounts with Wellsfargo.

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 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: They have called my phone over 10 times a day from different numbers and restricted, they have been unwilling to work with me when it comes to making payments. I have been with a XXXX XXXX and struggling to make it Day to day. I regret going to school at this point for having to take out a loan and it landing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. 
I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: To whom it may concern, I mailed a Multiple inquiry removal letter to Equifax on XX/XX/XXXX by certified mail to dispute information on my credit file in regards to XXXX hard Inquiries that I did n't authorize. This company received my certified letter on XX/XX/XXXX and I received a completed response on XX/XX/XXXX, confirmation # XXXX. The request that I submitted was for the XXXX hard inquiries that were not factual but I received a response saying, " Inquiries are factual record of file access and if you believe this was unauthorized please contact the creditor, '' and it gave the creditors information. According to FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) it states that any information can be disputed and MUST BE INVESTIGATED and if you DO NOT INVESTIGATE AND RESPOND, the CRA mist delete the disputed information from its files. I received a response to my request 4 business days after they received my request so I must assume that no full investigation on this matter even took place. I 'm in the process of purchasing a home for my family and I but I was told with these many inquiries on my file that it looks like a sign of financial trouble, which that is not the case here. I 'm submitting this complaint due to lack of investigation of these XXXX hard inquiries that I have NO KNOWLEDGE OF NOR DID I AUTHORIZE! After receiving this response on XX/XX/XXXX, I called and placed a Security Alert on my credit file which was in place for 90 days. As of today more inquiries were put on my file even after my security alert that I received no knowledge of which whomever was pulling my file was suppose to contact me directly as stated by the security alert. I called Equifax and spoke with agent XXXX concerning these inquiries again because I had not sign for anything nor authorized anything and he informed me that I COULD NOT DISPUTE THIS INFORMATION I had to call the creditor! This is unfair practices by a credit reporting agency with no concern for the worthiness of a consumer and I 'm very displeased with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 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: Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my 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 07/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We live in Florida. We were under a trial payment plan for modification of our chase loan. We paid on time than our house burnt. we missed XXXX payment of course for additional housing until The Insurance company paid which they since have. We want to rebuild and move back in but the chase mortgage says no to our loan modification. we really want to keep this house through our mortgage .The chase has our insurance payment of {$80000.00} in a restricted escrow. They told us there was not enough income. we have {$7000.00} saved from our insurance settlement to modify this loan. It does not make sense to leave a burnt house standing when we could rebuild and live in there again. They gave us XXXX options to short sale or turn over keys. We really want to save this house for we will end up with nothing because of a fire.I am going to write an appeals letter and retry again. I am very distraught as to where we are going with all our pets. we have a temporary housing but it is impossible to buy anything else. how can you advise as to how to save our home.? we have little time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I hold an adjustable mortgage with Caliber Home Loans. I have an escrow account for my local property taxes with the XXXX Ct. I have made every mortage payment on time. I also have a near perfect ( near XXXX credit score ). Since the loan was transferred to Caliber Home Loans, there has been an extremely frustrating, time consuming, stressful issue with their tax department, which is now sub-contracted to a company called XXXX. For the past three years, there have been at least XXXX different instances of the tax department missing payments, nearly to the point of lien status. This most recent incident did in fact lead to a lien being placed on my property several weeks ago. I have documented over 9 hours of my time being spent in endless phone chains and conversations trying to resolve this issue between XXXX/Caliber and the XXXX. I have written letters to XXXX as well as to the XXXX of Caliber Home loans to no avail. Each entity denies responsibility for the problem, but the most frustrating aspect of the situation is the complete lack of coordination between Caliber and XXXX. Caliber assumes no responsibility for the work of XXXX. Now that the lien has been placed, it will likely impact my credit rating for 7 years into the future, negatively affecting every area of my financial well being. Additionally, I had planned to refinance my adjustable mortgage this year, while rates are still low, which I will now not be able to accomplish. Thank you for helping me to resolve this issue with Caliber/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Wells fargo home mortgage account has been satisfied and reached the Statues of Limitations. Deleted off of 2 reports but not all

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 05/17/2017 about Debt collection (Auto debt) with Patrick K Willis Company Inc (AR).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: A company has been calling me, my extended family ( to include in-la ws ), and E VEN MY NEIGHBOR in reference to an " open investigation ''. They are acting like they are the police. Impersonating the police is a serious crime. I will be filing a police report. The name they gave my neighbor was " Investigator  XXXX   XXXX  ''. These scare tactics not only break local and state laws, they also violate my privacy. I do not have the FDCPA memorized, but the tactics used by this company who never identifies itself absolutely has to be in violation of the FDCPA.   After some internet research, the information for the company is as follows : AMERICAN RECOVERY SERVICE  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated phone calls from a debt collector. I told them when I can pay the bill and they continue to call several times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Account opening, closing, or management

Complaint: i called in to open a checking account with USAA back in late 2015, whne i was told that i already had a account with them. I told the Rep that i have never opened a previous account with them, so she ask me some personal info to verify what she had on file. the info did not match so she changed it to my current info so who ever was using the account could not continue to use it. i later contacted the fraud department about the discovery conducted a investigation. they gave me a call about a week later stating that i a am still responsible for the negative balance on the account since the infomation matches. i told them that i just updated my info with a customer service rep eariler. i have been trying to resolve this for quite some time but USAA is cooperating at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Late fee

Complaint: My Walmart credit card bill was due XXXX XXXX, 2015. This was a Saturday. I paid my bill on XXXX XXXX, 2015 which was a Monday. I was charged a {$35.00} late fee. According to President Obama credit card law, I had till Monday at XXXX to pay this bill, which I did. I called Synchrony Bank ( payments for XXXX credit card ) on XXXX XXXX, 2015 at XXXX and spoke to a customer service rep. He stated he would not reverse this late fee. Asked to speak to a manager and the manager also stated he would not reverse this charge. Stated he did n't have to follow the credit card law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputed account as not mine, express recovery continues to report on my credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I previously disputed XXXX accounts to the transunion in XXXX, that was listed under this same company who has changed their name of XXXX XXXX and now calling themselves XXXX XXXX as a way to keep a debt that was closed in XXXX and discharged XXXX XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX XXXX XXXX XXXX XXXX XXXX Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX XXXX XXXX aka XXXX XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the transunion credit reporting agency and affiliates are still showing this as a collection on my credit.

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 10-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with Macy 's Department Store/DSNB account # XXXX which also turned into a collection account with a company called XXXX XXXX XXXX. I keep getting phone calls from XXXX XXXX XXXX trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, XXXX XXXX and Macy's/DSNB copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. XXXX XXXX XXXX refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.

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 06/23/2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.

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 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my personal information was used without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. 

I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. 

This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. 

ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: i had agreement with wells fargo due to me being layoff, i kept my agreement term, my letter of agreement state that i would pay XXXX for 6 months and after i found a job that my go back to paying what i was paying which was XXXX.well i went back to paying my normal payment from XX/XX/XXXX to XX/XX/XXXX went to bank to make my XX/XX/XXXX payment i was told that my home was in forclose. still no answer wanted me to pay XXXX which i did not have. please help, i have been in my home for 18 years

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