milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I notified TransUnion XXXX of fraudulent credit inquiries that were added to my credit report on XX/XX/XXXX via certified XXXX mail. TransUnion did not send any response to my letter. I then sent a follow up letter on XX/XX/XXXX via certified XXXX mail letting them know that I did not authorize anyone employed by these companies to make any inquiry or view my credit report. TransUnion responded with a generic response and failed to address or provide any explanation or verification. 

On XX/XX/XXXX I was notified that their had been a glitch or breach of my personal credit file by TransUnion. The glitch occurred between XX/XX/XXXX andXX/XX/XXXX that caused all inquiries on my credit report to be deleted. TransUnion later added them all back onto my credit file without giving the legally required written notice 5 days prior to them being added to my credit report. 

On XX/XX/XXXX I contacted TransUnion via telephone at XXXX. I spoke with a representative XXXX XXXX @ XXXX CT. I reached out in good faith to ask that TransUnion delete the inquiries that were illegally re-added. The representative refused to address my concerns and stated that no such glitch occurred. 

These inquiries have brought hardship and difficulty to obtain credit. My rights have been violated by TransUnion and I am asking that the Consumer Financial Protection Bureau help stop my continued victimization. As documented, recorded, and explained, multiple violations have occurred by TransUnion. 

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 06/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I signed up for the XXXX XXXX month period with Equifax.com, and when I signed up, they charged me XXXX XXXX, XXXX charges instead of their so called deal. When I spoke with them, the fail to give me a refund for charging me XXXX. Plus, their score is so underrated that I had to consider signing up with other credit bureaus because Equifax credit score is so low is hurting my credit history. Equifax should be placed out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid off my student loan which was being collected by XXXX. They confirmed that they were the collection company servicing my student loan debt. I called to ask about my interest statements for the two years it took to pay off my loan and my payoff letter that I never received. I was told that I needed to contact the post payoff company, Navient Solutions, I called them and told them that I did not receive an interest paid XXXX for either tax year, XX/XX/XXXX or XX/XX/XXXX and I did not receive a payoff letter in XX/XX/XXXX after the debt was satisfied. I have called and spoken to representatives and supervisors of Navient on XX/XX/XXXX ; XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told " we sent it out '' and they confirmed my mailing address provided by my employer and confirmed by me. I am entitled to the benefit of my tax documents and a payoff letter. I was never told who I was speaking with until I specifically asked for the company name and mailing address. I was given Navient Corp., XXXX, PA XXXX. I later discovered through online research, this was not a complete mailing address, the correct address is : XXXX, PA XXXX. Would you please assist me in obtaining my interest statements for XX/XX/XXXX and XX/XX/XXXX and my payoff letter?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Got loans from XXXX back in XX/XX/XXXX. When I was a senior in college I applied for autopay on what I believed were my XXXX loans. Post college I got accepted in the federal loan forgiveness program for my federal loans. I called XXXX to make sure my other private loans were being paid and they were. However recently 3 private loans from got sent to XXXX by Navient. I was never made aware of these loans not getting paid as I was told by XXXX that I was covered. When I called Navient the told me they split, with XXXX and took some of my loans. I was never given a chance to pay anything on these loans before they went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We had a pick a pay mortgage with XXXX XXXX that was sold to Weikovia ( both who are out of business due to these illegal loans ) who sold to Wells Fargo. The rate went up and up and forced us into a bad financial position just trying to pay them monthly to the point we could n't. My husband was ill and no forbearance was given- we went to modify and they kept saying it looked good- to the point they denied us XXXX times - we increased business, added daughters income, rental income sent XXXX pages each time to get them all the documents- always denied. Even though these were illegal mortgages and they received government monies to work with folks like us. They did a modification that really gave us no financial relief in 2009 so this is how they have a loophole to not reduce principal or change the mortgage to a realistic amount and fixed rate. The lawyers made huge money and Wells Fargo bottom line is fine but we Americans are being put out of our homes due to this illegal scam. We even went Chapter XXXX to regroup but had to dismiss it as the payment kept going up and up. We need real financial relief. Have our home up for short sale and when that or foreclosure happens they are better off and we have nothing. We have paid for this home for 33 years. THIS IS SHAMEFUL and the judgements against them are not being used to correctly help many homeowners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX - Equifax reported getting 'hacked ' back in XX/XX/XXXX-XX/XX/XXXX and losing personal information for 143 million US adults. 

XX/XX/XXXX - Checked with Equifax ' " Potential Impact '' website ( https : //www.equifaxsecurity2017.comXXXX ) to see if I was affected. Upon checking, I get the message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Put a 90-day fraud alert on my credit and will now have to constantly be paranoid about anything/everything that will occur from the misuse of my personal information that Equifax was too inept to properly protect in the first place ( information I never willingly gave them in the first place ).
This is not something that can be resolved with one year fraud protection which Equifax promises using their TrustedID Premier.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (VT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: TD BANK  USA/TARGETCREDIT  Address :  XXXX   XXXX   XXXX   XXXX , MN  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  ....     I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over  22  accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on  XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer.     Thank you in advance  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I asked my mortgage to see if I qualify to have my PMI removed from my monthly payment. 
I XXXX started this back in XXXX, I have been now told XXXX I do not qualify and XXXX I do qualify, I have had XXXX people from the mortgage company set phone appointments with me to review my case and they have never called back. The mortgage company will not schedule a appraisal, they have even told me there is no appraisers in my local area. They are basing all there numbers off my appraisal from seven almost eight years ago. I have contacted them now XXXX times and I get several answers to what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Trouble during payment process

Complaint: Every time I have made a principle payment on my loan the money goes into a suspense account. I am trying to get my loan to work I am making frequent payments every fifteen days to reduce the principle on my loan and the amount of days I am being charged interest. The process that fifth third bank follows is not working. When I made a payment on  XXXX   XXXX ,    2017  the  XXXX  dollars is just sitting in a suspense account. There online option allows you to make additional payments yet even when I walk in the bank and say hey this check is for my mortgage principle they continue to let the money sit there. It is to their benefit because I continue to accumulate interest and not decrease my balance due to improper processing of funds. IF I am making a principle payment that should not be up for debate or review. It is a delay in the decrease of my loan balance and interest I am being charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted an initial complaint on XXXX/XXXX/XXXX, of which received XXXX status calls back from Bank of America, however, XXXX from the BofA Regulatory Complaints Dept ( XXXX XXXX ) has no clue of THE CURRENT BOTCH-UP in the works at Bank of America, and based on her latest message to me on XXXX/XXXX/XXXX, likely has no idea of the current status either. On XXXX/XXXX/XXXX Bank of America finally decided to pay my insurance policy premium ( TWICE ). Not only did they pay it twice, THEY ALSO PAID THE WRONG AMOUNT ... ... ..TWICE. 
The invoice presented to them was for {$4600.00} ; after some XXXX calculations, they in their less than impressive infinite XXXX, issued XXXX checks for the same incorrect amount on XXXX/XXXX/XXXX ; XXXX checks for {$3400.00} ( totaling {$6800.00} ). To that end, we have gone from begging them to pay a single invoice of {$4600.00}, to observing them pay XXXX INVOICES in amounts of their choosing. 
As a result, now my escrow account is negative, as my City/School Real Estate Taxes were disbursed on XXXX/XXXX/XXXX. IF THEY HAD NOT PAID THE INSURANCE INVOICE TWICE IN THE INCORRECT AMOUNT, the escrow account would not be currently negative by {$2600.00} as one of the overpaid invoices of {$3400.00} would have still been in the account. 
I can hardly wait for the next screw-up which I 'm sure will result in a reanalysis of my escrow account and an increased payment if I do n't somehow replace the shortage created by their latest XXXX ( or XXXX if we 're looking for a more direct assessment ). 
During today 's 33 minute call with Bank of America, I was advised that they paid the invoice twice because we submitted it twice. In fact, we submitted invoices since XXXX/XXXX/XXXX, all in the amount of {$4600.00}, and none were paid, until they decided to pay {$3400.00} twice on 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 12/22/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Force-able collections and predatory lending. Wells Fargo completed set-off on XXXX of my accounts well before any last resort action or fair practices were taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received two phone calls from this company dynamic recovery solution once the week of XXXX XXXX and the second one from yesterday XXXX. The number they are calling to in a business number with random different people working volunteering. I personally have no issues paying my credit cards. I seen review form website that this company is a scam and they try to collect debt that does not exist. The man said his name is XXXX and he is from dynamic debt recovery solutions ( XXXX XXXX XXXX. Our work phone number he called is XXXX XXXX XXXX XXXX and our message is on our voice mail does not give out names it just stated the XXXX of the business and departments so how do I know he is real or a scam? I do n't want to call amd get harassed. Please advise. In the meantime I will ignore he calls which are random as well. 
XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with Williams & Fudge, Inc (HI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax, XXXX and XXXX XXXX are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is the email I sent to Sallie Mae complaining about their unfair practice : To : XXXX Good afternoon. 
Your agency took all of our tax return, a total sum of {$2000.00}, to cover for what you claim I owe in student loans ; which I have fought through letters and proving I was not liable for this payment. I truly disregard this dirty practice and request the reimbursement of my wife 's and I tax return. I do not appreciate your negligence and unfair practice to collect money I do not owe to your agency. 

I appreciate your attention to this matter. 

XXXX Trace Num : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/2017 XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX - GA XXXX phone XXXX pulled my credit information from the 3 main credit Bureau without my CONSENT and my knowledge. Causing my credit score to lower points I had a previous dispute with them in the BBB and personally. 
XXXX XXXX XXXX has over 400 complaints n the BBB and also on the consumer page of Claims and complaints. 
How can you allow a company with over 400 complaints to continue harming consumers?? 
ONE cOMLAINT SHOULD BE ENOUGHT FOR them to be investigated. 
IThey had no right to pull my credit and it is a violation of federal laws to pull people credit without their consent and a violation of my privacy Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortage, if forcing flood Insurance on my account at the highest rate. 
I am part of a current law suit over this situation. 
I dont live near the XXXX and my home is a manufactured home which is XXXX Feet off the ground anyway. 
The area I live in is a a/b flood zone which means it could flood in XXXX years. This allows FEMA and the bank to charge whatever they want and ignor the height of the home etc. 
Iam unable to obtain a elevation cert. as no company wants to take the time for my home where I am meaning its not worth it as it is highly unlikely to occur and if so my neighbor does not have to have it. If there was a great flood he would under water well before myself as he is in a standard block home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Auto) with Strategic Alliances, Inc. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was contacted once by phone from a representative demanding I handle a {$4000.00} balance from an accident I had on XXXX/XXXX/2016, with no proof or verification from the charges. I had made clear I wanted documentation from the damages and list of charges I was to pay for I was told they did not have that information. In my refusing to answer rather personal questions in which I felt very uncomfortable I disconnected the call. A week later I receive a letter from the Office of Motor Vehicles stating my Driver 's License would be Suspended and Registration Certificate and license Plate will be revoked in 30 days. I contacted the OMV and they informed me that I would need to show proof of payment arrangements setup or being made with First Financial Asset Management. I then contacted First Financial Asset Management and they told me since I had disconnected the call that the block was sent by the rep and therefore I must pay XXXX upfront right away because they were aware I needed a legal driver 's license. I was not contacted and made aware of the next action to take place and to impose a {$500.00} charge upfront is unreal and unfair. I made it clear I have a sick mother I care for, and the recent death of my child 's father, and that I could make at least a {$100.00} payment before I had even received the proof of charges, so that shows I was trying to cooperate. This company imposed extra punishments on me out of spite and personal feelings, in turn causing more debt to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation