milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 XXXX concern : On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, I mailed TransUnion XXXX by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to investigate the issues that I have properly with the creditors. They 've also failed to provide me with factual and accurate information validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than TransUnion XXXX. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Home mortgage in XXXX Georgia was financed thru XXXX XXXX XXXX. In the beginning of XXXX, 2016 XXXX XXXX XXXX notified me that my monthly payment was reduced by {$300.00} due to a reduction in the property tax escrow amount ... ..the escrow payment for taxes caused the payment to go from {$920.00} to {$620.00}. I also received a refund from XXXX XXXX XXXX for the excess money that was in the tax escrow account. Shortly after all of this XXXX XXXX XXXX sold the mortgage to Loan Care. I was notified of the transfer in XXXX. Their records did not reflect the reduction in the payment due to the property tax amount. I sent them the first payment in the lower amount with a copy of the XXXX XXXX XXXX letter regarding the reduced payments. A phone call prior to mailing the payment to a representative was not beneficial at all. They stated all the information was not downloaded into their system. They would get back to me in 7 to 10 days. No one from Loan Care has responded. However, I have received additional letters demanding full payment ( {$920.00} VS. {$620.00} ). I received a letter from them indicating my account is 2 months in arrears and I can face losing my home. 
I am enclosing a copy of a certified letter that I mailed to Loan Care last week. I have not had any response other than the letter demanding full payment for two months.

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 03/23/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per attached letters from XXXX my account was only XXXX time XXXX late and XXXX XXXX was open from XXXX to XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX XXXX billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.

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 03/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I submitted renewal paperwork to Fed Loan Servicing via fax on two occassions, once on XXXX XXXX and once on XXXX XXXX. Fed Loan servicing is only acknowledging the reciept of the second fax on XXXX XXXX, and in addition to that had increased my payments from $ XXXX/month, to about $ XXXX/month. They reported to me in an email that they are still processing my Income Driven Repayment plan request as of today, and that in the meantime I am responsible for whatever payment they request of me. I find this unacceptable, that they can take almost two months to process this basic paperwork, and in the meantime charge me more than half of what I make each month, especially being that I was already on a IDR plan and this was just to renew that plan. This is causing me severe financial and XXXX, as well as taking a toll on my credit report this month. I would be more than happy to forward to you the same financial documents I sent to them to verify that $ XXXX/month is a severe burden to me financially. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH

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 11/17/2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an account that is my wife 's only and now showing up on my credit file because it is delinquent. I never signed to be financially responsible for this account and when it was positive it was not showing on my report. I tried to resolve and this company has nothing I signed. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital One has repeatedly taken money out of my account without permission. They did this before with {$1000.00} and claimed the did n't know what happened. This time they tried to take two small amounts out of my account. Something suspicious is going on. Now I 'm charged overdraft fees. 
ACH trace # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter in the mail from XXXX XXXX XXXX claiming I owed {$5800.00}. The original creditor is listed as " GE Capital Retail Bank '' despite the fact that I 've never had an account or any sort of contact with said bank. On top of that, the charge-off date is listed as XX/XX/XXXX even though I did n't have any sort of credit account until XX/XX/XXXX. The claims are completely bogus as far as I know and have no merit to them.

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 U.S. BANCORP (FL).
Issue: Settlement process and costs

Complaint: I have had water damage to my property and the mortgage company 's lost draft department gives me different answers every time I call. I am never able to speak to a Manager or Supervisor, they are always in a meeting. Online they have requirements that are outdated. As a consumer, how can I follow a process that is incorrect no matter what source you contact or research online. The water damage happened on XXXX different areas of the property and they combine both claims conveniently to allow then to put me through the monitored process. If the claims were separated I would not even qualify for the monitored process. I have paid monies out of my own pocket to begin the repairs but they are refusing to release the funds to reimburse the monies spent or for other items such as appliances and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Ive initiated several disputes with transunion over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX & unknown medical collections are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous.I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 01-08-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Date opened : XX/XX/XXXX Last date reported : XX/XX/XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank failed to pay my homeowners insurance for the XX/XX/XXXX-XX/XX/XXXX year. I had to notify them that they did not pay my insurance through my escrow account. Then they send me a letter stating that they are putting in insurance on my house for the XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX. They then bill my escrow account for this insurance. I attempt to put insurance on my house for XX/XX/XXXX-XX/XX/XXXX on two separate occasions and US Bank does NOT pay the premiums so my insurance is canceled. Then they send me a letter stating that I do not have insurance on my house for XX/XX/XXXX-XX/XX/XXXX and they AGAIN put THEIR insurance on my house. They refuse to talk to me on the phone, keeping me in their queue for over three hours at a time. Now because they have insured me for last year and this year- my escrow has been doubled billed and this has created a " shortage '' which has increased my house payment over {$300.00} a month. Since they are supposed to pay my insurance from my escrow account and they failed to do this in XX/XX/XXXX, they have broken the law in Florida. Then they refused to pay my insurance for XX/XX/XXXX-XX/XX/XXXX- thus breaking the law again.

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 09-05-2017 about Debt collection (Other debt) with ERC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: We met with an employee ( relationship banker ) at M & T who calculated our eligibility for a home equity line of credit to be {$40000.00}. She assured us that with our excellent credit processing was a mere formality. After delay in hearing about our line of credit I stopped into the bank and was told that she had " miscalculated '' and we were only eligible for {$12000.00} line of 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 explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with Asset Recovery Solutions, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A relative ( in law ) received a call from " XXXX '' a representative of Asset Recovery Solutions at her residence on X/XX/16. I am in no way connected to this in law in regards to any form of credit, bank loans, etc. I have never used her personal information for any reason. " XXXX '' or any representative of Asset Recovery Solutions should have not pulled my in laws information from public records to use it to collect any debt they are not legally tied to. " XXXX '' also tried to coerce my in law who is a senior citizen in advanced age to go into her phone to retrieve contact information to reach me about a " job ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XXXX XXXX, 2016 Synchrony Bank contacted my work at in regards to a Walmart credit card that I am late paying on and I have proof of the number and time of this violation as all inbound calls are saved at my work. This is a violation because I am not allowed to receive personal calls at my work. I work at a XXXX and they know I 'm not allowed to take personal calls while working in a XXXX on a XXXX basis. It 's a violation of my job 's policy. They did not follow proper procedures because they knowingly contacted me at a time they knew was inconvenient for me, regardless if I told them to do so or not. They have also been calling my phone with unknown caller id 's and leaving me automated voicemails to call them back. I have saved my phone records and voicemails for proof.

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 06/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I have been requesting a remodification from Wells Fargo for almost a year. They have declined it but say because I am not responding. I have left messages, called, and ask for corespondence in writing so I can respond in writing. They refuse. Also, they cam to my house and posted a notice that they were going to change the locks and board up my doors even if I am inside. I do n't think this is legal and could my self and my pets life in danger.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had disputed XXXX XXXX account with Equifax as I was a classmember in Class Action TCPA, Case # XXXX XXXX ( MDD ) which settled and XXXX was court ordered to reimburse clients and remove their reporting from credit bureaus. Equifax is not obliging with that and my class action settlement is being ignored.

Company response to consumer: Closed with explanation