milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was one of the impacted consumers of the Equifax data breach announced on XX/XX/XXXX. On Equifax site I am informed I am one of the potentially impacted consumer and when I tried to enroll for the free TrustedId program for those impacted by cyber security breach, I am informed I am already enrolled with am effective date of XX/XX/XXXX. Tried reporting the issue over phone to the contact center, and failed to take a complaint or registering the reported incident, and was redirected to the site where there is no additional means to report the issue. I repeated that I am very concerned that somebody with my information has enrolled but Equifax said there is no way they could do anything on that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted to get a loan modification from GMAC, nka OCWEN for 4 years. I have sent in XXXX modification packages with over XXXX documents in each one with delivery confirmation, have mailed the documents using delivery confirmation, have faxed them in and have emailed them. Every time they start to process, something is missing on their end. In total, I have faxed over XXXX pages of documents trying to facilitate their processing. Now the servicing agent, OCWEN, has started a foreclosure action, even though there is a modification package on file that is, again, in process. I thought GMAC scammed us all but the real scammer here is OCWEN. They now claim I owe {$74000.00} more than my original amount owed due to late fees, interest, penalties, real estate taxes and home owner 's insurance. I owe more since they have nothing but give me the run around about needing more and more documents. All in an effort to make more money.

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 Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my credit report I have 5 XXXX XXXX accounts listed. I have tried to rectify this situation with the lender several times. Recently, I went to court at the XXXX XXXX County Court house where the Judge has dismissed Navient 's collection efforts. I have tried numerous times to have this removed from my credit report and have not received any feedback from Navient. These loans do not belong to me and I was able to prove this in court some months ago. Once again I am asking for this negative information to removed. I have never signed any documents for these loans with Navient or any other student loan company. Please review the attached documents and please provide any and all information that would substantiate any of this being reported on my credit report. Even if these loans were mine, judging by the information on the credit report the statute of limitations has been surpassed and ask that all this negative information be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery has been contacting me since XXXX 2015 or earlier, for collection on a XXXX credit card account that belongs to my husband, who filed for bankruptcy. The XXXX account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of Portfolio Recovery. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was forced to take out private loans in order to continue or finish my degree. XXXX XXXX had already maxed out, so to speak, the amount of money I could borrow from federal loans and the rest had to be loaned from private banks. Nearing graduation, about a week before graduation, I received a letter from XXXX stating that I owed an extra {$14000.00} that was credited to me by the school, and that I had to pay said balance to be able to graduate and receive my diploma. I used my life savings and wrote them a check for {$14000.00} and gave it to the finance department. In the end, I had all my transcripts for graduation but my diploma was not provided. I walked my graduation with the worthless transcripts in my diploma folder. I never went back to pick up my diploma as it was worth absolutely nothing. My resume lists a XXXX XXXX from XXXX but no employer or future employer has ever recognized me as having a real XXXX XXXX. At this point it hurts my reputation to put XXXX on my resume as education. 

The debt has crippled me financially and ruined my credit while lowering the possibilities of gaining approval from potential employers. I feel like I 've missed out on a decade of my life. In retrospect, I would have rather attended a XXXX college and transferred to a regionally accredited XXXX College instead. XXXX predatory behavior and even harassing phone calls asking to come back to school were hard to ignore and I and many others were stuck in a program that would eventually lead to crippling debt and no value whatsoever. I was already working in the field of study before starting XXXX and I did not learn anything new during my entire program. In fact, the material and books in some cases was about 10-20 years old. The books were not real text books, they were written by alumni and seemed to be published by XXXX own publishing companies. 

XXXX educators were often unqualified to teach. Many instructors were previous grads who were trying to pay down their debts to XXXX themselves. The computer labs and equipment were outdated and in most cases did not work at all. Anyone who attended classes was given a passing grade. XXXX admitted anyone regardless of mental capacity. There were people in my classes who could barely read out loud from a book. 

To conclude, XXXX XXXX was an elaborate scam. They scammed the government and taxpayers as well as individuals hoping to better their futures and contribute to the economy and workforce. XXXX XXXX was a lucrative investment only for it 's shareholders and wealthy executives, education was the least of their priorities.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015 my wife and I applied for a 30 year fixed home mortgage with Wells Fargo. On XX/XX/XXXX the rate was locked for 90 days at 4.00 % interest rate. The loan was approved on XXXX XXXX, 2015. In order for us not to pay mortgage tax a XXXX form had to be executed, and Wells Fargo started the process to obtain the XXXX. This document took longer than anticipated to produce and on XXXX XXXX, 2015 Wells Fargo added a Rate Lock Extension fee of {$1200.00} to the loan. The XXXX was still not forthcoming and on XXXX XXXX, 2015 Wells Fargo added another {$2500.00} to the loan. I contacted Wells Fargo about the extension fees, and additionally brought to their attention that mortgage rates had dropped to approx 3.6 % while they were charging me {$3700.00} to extend the rate. I started the process to look into refinancing with our present lender XXXX and brought this to the attention of Wells Fargo. Wells Fargo agreed to reduce the rate by 1/8 to 3.875 % and told me that XXXX would not approve my loan, and that I needed to close the loan with them. I was taken aback by this brash behavior, essentially strong arming me to close on a loan with at a rate that was at least .25 % higher than what I had been quoted. Since I was still undecided to accept these terms or not, Wells Fargo offered to forgo the rate lock fees, but demanded that I close the loan in a matter of days. 

I felt that I was being pushed to make a bad decision in haste. Within a few days Wells Fargo cancelled the loan. On XX/XX/XXXX Wells Fargo sent me notice that the loan was denied due to " Insufficient Assets to Close the Loan ''. I communicated with Wells Fargo and requested XXXX explanations from them : 1. To quantify the shortfall of assets to close the loan 2. The source that provided this information to Wells Fargo. 

Wells Fargo has refused to answer these questions based on " ... the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) do not require us to perform further research .... ''

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 04-12-2017 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank Of The West Has Twice Now Refused To Send Me The Forms For Credit Card Mischarges On My Account Because They Were Charged By XXXX XXXX XXXX. The Charge Was For {$250.00} In A One Month Period Which Is XXXX My Income. I Used To Help My Neighbor With His Bills And I Found Out That XXXX XXXX XXXX And Bank Of The West Were Also Hasseling Him In The Same Regard. They Have Been A Real Head Ache All Around. I Want My Error Corrected.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 been spending a lot of time dealing with remove a false charge from my credit report XXXX XXXX XXXX XXXX XXXX. I now have confirmation that not only is this a fraud but XXXX XXXX has repurchased the debt from XXXX XXXX- there is no reason for the agencies not to remove this ASAP. To date, only XXXX has removed this fraud charge. 

I had a call scheduled with a debt lawyer until XXXX XXXX got in touch with me. But I am at the pointn where I am considering legal action against both TransUnion and XXXX for aiding and abetting fraud. I would even consider my first ever lawsuit if need be. 

XXXX also leaked my credit score to hackers which their top executives hid from shareholders and the public and traded on. So I have a case against TransUnion but even more of one against XXXX. 

Also some of these credit inquires are incorrect. I have a letter from XXXX for XXXX in that regard and XXXX has two inquiries for XXXX when I dont even think there should be one - this is wrecking my score. Please remove them ASAP Please see attached documents for everyhthing

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 04-09-2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017, by certified mail in order to dispute information, in regards to 4 hard inquiries, that was being reported on my credit report. They received the letter on XX/XX/2017, and they completed the request on XX/XX/2017. The request that I submitted included 4 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the 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 must delete the disputed information from its files. The fact that I received a response 5 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Receivables Performance Management ( RPM ) has misrepresented the facts in order to try and collect on an alleged debt. I had previously filed a complaint against RPM disputing the alleged debt and stating that I have never received a validation letter. RPM responded that I had spoken with them in XXXX 2016, which is a flagrant lie because I did not speak with them in XXXX 2016. They are lying which is a flagrant violation of the Fair Debt Collections Practices Act. I have asked for verification as to the XXXX 2016 phone call because I did not speak with them in XXXX 2016. I have disputed the debt and RPM has not provided me any documentation as to how they own or are authorized to collect on this alleged debt and validating that I would owe such a debt because I dont. In addition, RPM agents hung up on me twice on XXXX XXXX, 2016 when I called to dispute the alleged debt. RPM has repeatedly lied stating that they do n't have a record of the phone call which is a flagrant lie. RPM is engaging in serious violations of the Fair Debt Collections Practices Act with their abusive and deceitful debt collection practices. I do n't owe any alleged debt to them and am disputing the debt. I want the alleged debt removed from my credit report. They are constantly trying to fish for information when you ask them to verify the information which is another flagrant violation of the Fair Debt Collections Practices Act.

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 07-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I took out student loans over the period of XXXX - XXXX going just XXXX in debt. In an attempt to get on my feet after graduation, I deferred my loans for a period of time. I made intermittent payments and somewhere along the way lost track. I was contacted by debt consolidation company and they said i could enter a repayment program. I did and when i finished that, put back in contact with XXXX XXXX navient and learned that my dept was over 80,000 now. I made attempts to reconcile as fast as possible but experienced delays. I asked for extensions of payments and they told me that the only was through forbearance, which did not always agree to. They fooled me and I believe manipulated my conversations. I did not agree to their terms and now my payments have gone from {$540.00} to more than 800.00. This is not fair and they will not speak to me to make exceptions. the payments keep going up. I get harassing phone calls and this is not comfortable.My balance is now {$83000.00} and there is nothing i know to do but seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/2017 I sent XXXX and also XXXX  and letter of dispute pertaining to a debt that I received from, National Credit Systems , Inc.. They wrote me back saying that it was verified, however, they basically ca n't send me proper verification that the account belong to me. The amount they 're saying I owe is {$1200.00} and it is my understanding that XXXX and XXXX should recheck the items with the creditor who posted it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (PA).
Issue: Other transaction problem

Complaint: On XX/XX/2018 TD Bank is blocking my external application to transfer my funds from my account to XXXX XXXX. 
I called Td Bank and they refused to unblock my account access

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Government benefit card) with Comerica (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I tried to obtain cash from atm on XX/XX/XXXX machine did n't dispense cash put in pin amount requested next thing machine said out of order checked account and it had processes the transaction and removed XXXX from account 18days later nothing has happened filled out dispute foorm and mailed it back same day I received it they say they have n't received it yet 8 days later?

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to contact the company ( XXXX ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on  time. Back in XX/XX/XXXX and XX/XX/XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.

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