milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus Equifax, XXXX, and XXXX on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX  XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address3  XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address5 XXXX XXXX XXXX XXXX XXXX XXXX, VAXXXX First Reported XXXXLast Reported XX/XX/XXXX Former Address6 XXXX XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (WI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: After paying {$17000.00} of a {$30000.00} student loan debt my life fell into extreme financial hardship. When I called the loan company, prior to default, explained the situation, then asked for temporary hardship deferment or any other programs that would keep me out of arrears I was told my only options were to pay or default. With no other option, I went into default. After filing bankruptcy the student loan could not be dismissed as ALL OTHER LOANS CAN. I was then suited for {$40000.00} on a {$30000.00} debt in which I had already paid {$17000.00}. I filed a complaint with the Consumer Financial Protection Bureau ( case # XXXX ). The collections agency claimed they would take {$16000.00} and directed me to speak with their attorney. The attorney hired by the collections agency who bought the debt from a company that was NOT the issuer of the loan said I have to fill out a full financial disclosure before they can consider or discuss a settlement. I sent them a disclosure. I did NOT include the name of my bank or the company I work for as they requested. The attorney said I HAVE TO disclose the name of my bank and employer or they CAN NOT consider any settlement due to incomplete information. With ALL the numbers disclosed and the attorney NOT requesting proof of numbers but names of institutions, this does NOT seem Legitimate. This is an attorney ( XXXX XXXX ) trying to bully an individual for easy garnishment information. I have not obtain council so far because it would reduce the amount of money I had to settle the debt with. I have limited resources, deportation was ordered to my husband, I may have to leave the country soon ( proof of that WAS sent to the attorney ) and I am looking of a settlement that I actually have the money to pay at once to settle the matter. Offering the entire balance of my checking account, {$8500.00} ( statement balance ) they are bullying me and refusing to talk. I have provided ample information and disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card got unauthorized use about {$1800.00} on XXXX/XXXX/16 and I found it by myself at the end of XXXX. It looked a typical fraud case through non existing website and described as I spend purchasing a service, not products. Normally, this kind of suspicious spending is found by credit card company by monitoring my usage but they did not. I called the credit card company to dispute the amount and once they credited the amount. But after a month later, they reapplied the amount to me after their investigation. I do n't understand the result. Because initial purchasing was done in Florida and credit card transaction was done though a processing company in XXXX XXXX. They gave me a report to show purchasing IP address but it was not mine and even not in XXXX XXXX where I live/work in. A couple of days later from I received the report from the credit card company, I received a letter from XXXX, a computer company. I have purchased a tablet through their official online shop. They said that they had been hacked ( attacked ) by a third party and lost customers information including credit card numbers, addresses names etc. I used that credit card to purchase and the date of purchase was impact exactly XXXX got attacked. I have written a letter to explain the situation to the credit card company attached XXXX letter and asked again to dispute the amount they reapplied. It has been more than a month but the credit card company does not reply me and they keep quiet but putting the amount on my account with APR. I have paid the amount I spent but I have not paid the amount unauthorized use because it is not my responsibility. I am 100 % innocent, I have never used that big amount though internet. Now I have no idea what I should do and who I can ask to help or resolve this problem. I really need your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I mail a certified letter to Transunion 3 times asking to send me validation of proof of this public record chapter XXXX bankruptcy. Transunion has verified they received all three letters but transunion continues to send me a letter stating verified. I asked for the letter of verification be sent to me on courthouse letter head etc a sample letter is attached Transunion continues to put this matter in dispute why?? Transunion then turn around and send me a credit report stating verified that 's not what Im asking for Im asking for proof of validation and transunion been playing games Im done playing games this is a serious matter and needs to be taking seriously. Attached documents are Letter from XXXX XXXX, Certified letter receipt, transunion validation on credit report, etc Transunion has no proof and I want this deleted off my account this is my final step and being that I followed protocol my next step is to take them to smalls claims court Im done plating games. 

Regards XXXX 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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a correspondence for XXXX indication that Equifax reported to them that my credit score had dropped to XXXX, when in fact my credit score was XXXX the same week. XXXX responded by instructing me to destroy my credit card in which I have good credit with XXXX for years. 

Equifax, also reported that I had 12 inquiries in the last 12 months. I gave no one permission but " XXXX XXXX '', XXXX XXXX XXXX XXXX in 2017 and no other. 

As Equifax has had a breech I believe in good faith that this is the result of this error in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: Hello, I've seen myself affected by the practices conducted at First Citizens Bank. An acquaintance who works at the bank advised me to open a new checking account for there was a promotion happening. I was in the market for a new account to consolidate my outgoing payments and manage may day to day spending better. However, the following weeks I had several issues sending payments out, receiving deposits, making online transfers etc. I was in touch with support many times but resolutions were never satisfactory. Furthermore the account began incurring a monthly fee three months sooner than the bank representative mentioned and for more than I had been advised. Uncomfortable with the new developments I found First Citizens Bank to be an unfit match for my necessities and the process to close my account was comiences and seen to conclusion. Fast track to several months later I receive a credit alert from services I hire that I was sent to collections. Further investigation showed that my lovely financial institution was asking for alimony from our past relationship. Please let me go, we weren't meant for each other. Thank you : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have attempted several times to correct XXXX XXXX XXXX reporting on my own. They are in violation of the FCRA XXXX. They are not reporting information 100 % accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting 100 % accurated dated and verifiable.

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.

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 04/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I initiated a transfer from Bank of American on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Bank of America that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to BOA taking the money back 5 days later. BOA Branch said they ca n't do anything.

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 03-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: The kohls account has been write off as a debt lose I would like it removed from my credit report they refused

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several years ago my long term partner XXXX. After unsuccessfully trying to collect from the estate the company transfered the debt onto me and tried to collect against me saying I was the only person on the account since my partner XXXX. This was not a debt I was part of, I did n't know it existed, I do n't live in an area that would make this collectable against me and these collection activities are quite frankly unfair and unethical. After providing the requested XXXX certificate they simply removed his name and replaced it with mine saying it was my debt. My credit report shows XXXX seperate acounts for a similar amount they are now also saying are XXXX seperate debts

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently check my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me with any services or goods. I feel that they placed this on my credit report without giving me proper notice which is afforded to me under the law according to the FDCPA 890

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I had paid off my mortgage at a local branch of the servicer of the loan XXXX XXXX where I held a {$100000.00} money market account and paid XXXX to pay off the mortgage. The original lender was XXXX XXXX XXXX. In XX/XX/XXXX Wells Fargo called me to inform me I was in default on my loan and said they had purchased it from XXXX  XXXX. To make a long story short I was not able to resolve the problem to prove the pay off and for several years I paid Wells Fargo between 40-50,000.00 dollars in payments and they foreclosed in XX/XX/XXXX on a mortgage they did not own. I also had a checking account that they seized for a debt that I owed them 10 years prior. Then 6 years later I was returned the {$7500.00} they seized by the Nevada State Treasurer as unclaimed property.

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 10-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?

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 05/18/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Recently I came across two XXXX Certificates of Deposit ( {$80000.00} ea. ) in the family safe deposit box. I contacted Wells Fargo Bank on XX/XX/XXXX, provided requested information and they opened an Investigative Case, No. XXXX. Wells Fargo has responded to me on several occasions regarding this case with supposition and conjecture but provided nothing regarding the disposition of the CD 's or the funds. All that they have told me is that they keep inadequate records for older CD 's. I have checked Unclaimed Property with the State of California and found nothing. I want Wells Fargo to show me proof for the disposition of these CD 's. I will not accept assumptions or the conjecture that they have thus far provided. I would also like CFPB to stop the unreasonable delays and superfluous correspondence that Wells Fargo has been perpetrating on me in this matter.

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