milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 disputing inquiries with all  XXXX  bureaus since    XXXX  2017 .   My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 disp utes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard INQUIRES, it is prevented me from obtaining a mortgage.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent

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 (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 'm sorry to say I don ; t have the exact date I purchased a wireless home phone from XXXX but it was in 2016. It came with a 14 day return policy no questions ask, so, because of low quality performance on the equipment I decided to return it within 7 days, remember I had 14 days to return it. So I took it in to the XXXX store here in XXXX, tx only to here them say I would owe a restock fee, that 's strange because at the time I made the purchase the sales person never once mention a restock fee, I informed them of this fact but they insisted that I owed the restock fee. The said it was in the paper work but they neglected to inform me of this. They became rude and started calling me trying to collect this restock fee but I refused because of their neglect to inform me. 
So now XXXX has turned it over to a company called Convergent XXXX XXXX the account number is .... 
XXXX I had already been in the hospital with a XXXX issue going on and did n't need this kind of non sense. Now they ( Convergent ) has reported this to XXXX  FICO 8 score further damaging my report. I want this non sense removed from my report. 
Thank you in advance for your help, I have herd you guys are great with helping people resolve issues. 
Thanks 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 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the Experian credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded 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 monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report from Trans Union and noticed that there were a few inquiries that I did n't recognize or authorize, XXXX XXXX BA XXXX XXXX, XXXX XXXX XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 08-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Struggling to pay mortgage

Complaint: I paid 6 companies to get me an affordable loan mod with ocwen. I finally fired them all and applied myself.the amlut ocwen came back with was XXXX more a month than I have and was more than any other refused offer. I ca'n't pay but XXXX with my bills and I showed that ad now I had to finance ad ac unit and XXXX Ocwen had a forclosrue hearig till I reapplied with all paperwork but they offered me XXXX more than they know I can pay and more than the house is worth. they know I am XXXX and co n't want to move. They lost the note to my house and made up documets that were untrue. they are being prejudicial 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Greetings, I have initiated a multiple disputes with XXXX  over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the XXXX to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to XXXX   including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX XXXX XXXX : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/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 06/14/2016 about Debt collection (I do not know) with Mirand Response Systems, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Representative called asked for my spouse, stated they were not available, asked if I was me, I said yes who is this, they refused to state business name, said it was a personal financial matter, I again asked who they were, he refused said they had all XXXX digits of my SSN and I asked how, he refused to answer who they were. Told me to " take care of my financial issues '' and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Home equity loan or line of credit) with Trinity Financial Services, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We took out a HELOC with a big box lender 10 years ago. Our property went under water and we lost household income so we filed Chapter XXXX which was discharged 8 years ago. We were told we were no longer responsible for the debt ... but that the lien would remain on the property. We found out in XXXX that the lien from XXXX did not record until XXXX we recently found out there was an issue in the assignment process as well ... .that the original big bank did not properly record the assignment transfer. In fact we got a call from the bank saying they were " correcting '' the error by recording another assignment to a company that was supposed to have been assigned originally. So not only did the deed record 5 years after signing but 3 years after BK discharge .... and with significant irregularities in recording. However, this is only part of our complaint. We have been attempting to settle with Trinity since XXXX ... .in the initial call their representative told us they will not negotiate ... .that they " would purchase my first mortgage then foreclose '' ... or they would simply " wait until the values go up then foreclose. '' In XXXX of this year Trinity filed an " notice of default '' against us. earlier this month we had offered a settlement amount which was declined via email and countered to {$70000.00} on XX/XX/XXXX. My wife and I have been scrambling around borrowing, liquidating XXXX and selling personal effects to come up with the XXXX ... ... I contacted XXXX via phone and had a conversation with XXXX yesterday. I explained we had done everything we could to come up with the money and that we wanted to know what we could expect in return for the settlement. XXXX said he would send me an email within 10 minutes of our call but what we got was an increase in the amount to {$77000.00} ... ... {$7500.00} almost to the dollar. So in summary, after accepting their email offer they used the verbiage in the email to say there was no actual offer ... just the " possibility '' of approval followed by another email with the higher amount. What is to stop them from doing the same thing again? We dont have XXXX but I feel like if we said we did they would simply raise the amount again. The ethics of this company and its representatives are suspect at best ... .and the individuals earning a living by foreclosing on families have dirt all over their hands ... at some point the CFPB and other government agencies need to get involved to stop the gorilla tactics taken. Sad thing is they paid pennies on the dollar to obtain this note. Ironically the amount of XXXX which we agreed to represents full repayment of the original amount borrowed plus {$10000.00} ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All of the hard credit checks we 're not mine it was all fraudulent identity theft I never applied for any of those loans or cell phone accounts or any of the hard checks we 're not mine I contacted some companies and they said it would automatically come off my credit report and it has never been taken off

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: I have been making considerably higher monthly payments on deferred six-month no interest payments with Care Credit to have charges paid off in advance of deadline date. Per direction provided by its customer service reps, I have been calling in every month to direct adjustments for the amount that I have been paying. For the last three months, while customer service reps indicate that they are making adjustments these have not been made. I believe this is a deliberate attempt to result in my paying interest on deferred charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Medical debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I began working for organizations that qualified for the Public Service Loan Forgiveness Program in XX/XX/XXXX I advised Navient that I intended to utilize this program. They did not advise to transfer my loans over or XXXX XXXX to begin the program, but said that I should make payments through them. They advised me in XX/XX/XXXX to consolidate my loans and again I advised them I was working for a XXXX that qualified for PSFL. I learned after consolidating that I will now receive no credit for my payments fromXX/XX/XXXX-XX/XX/XXXX Their response to my complaint was that there was nothing they can do but advise those representatives to give different advice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX / 16  Called credit bureau to try to have inquiries removed

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 12/14/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: I applied for Bank of the west checking account promotion online since they were offering {$150.00} credit. I completed all requirements to get the bonus and to my dismay I was denied claiming another house hold rep received a bonus this year. I called BOW customer care and spoke to someone right after acct opening and these guys are not organized and only specialized in wasting valuable customers time. I asked customer care rep If I qualify for the Bank promotion that I applied. I was told that I am qualified and I need to wait until XXXX XXXX to receive the bonus and they never told me that I am not qualified since another house hold rep received a bonus this year which is not true. 
I am checking my tax returns for last year 2015 and I do n't see a XXXX interest income statement from Bank of the west and I do n't have any promotion applied to my account this year either. Same is true for my wife since we file taxes jointly and no other household reps lived at my house.

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 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Payments Check Services, Inc. (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This was a credit card that was taken out in XXXX 2010. Now I am interested in paying off the debt. {$130.00} and {$50.00}. 

Having difficult finding out which party is the debt through. From my credit report, I google Global Payments to find out the number - there were XXXX phone numbers listed - Then called the original debt person at XXXX XXXX XXXX - and talked with XXXX XXXX in finance XXXX XXXX XXXX she gave me the VIP Card holders number- XXXX XXXX XXXX - When I called that number - the account was sold to XXXX - XXXX XXXX XXXX. When I talked to XXXX XXXX, they shared they did not have the account. ( It was shared that XXXX was no longer working with XXXX XXXX in XXXX, IA ) I called the VIP Cardholders again, and could not find me in the system - I called XXXX XXXX - XXXX XXXX told me to call the VIP Cardholders again. At this time, I felt like I was on a carousel trying to settle a debt and improve my credit status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid off, however they are still reporting it as in collections. They say they have no record of payment. I did n't know I never received anything stating it was paid, as I paid it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Northstar Location Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't owe any outstanding balances. From what I looked up the number called usually calls about student loan debt from XXXX which is not yet due for me.

Company response to consumer: Closed
Consumer complaint received 04-03-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX mortgage with XXXX XXXX XXXX. I requested under HARP a loan modification. 
XXXX XXXX XXXX approved me for the loan modification. I was instructed to make XXXX payments for XXXX months in a row of {$2800.00} each. I made these payments. 
XXXX XXXX XXXX sold my loan to Nationstar Mortgage. Since this happened in XX/XX/XXXX, I have had a nightmare of problems with Nationstar. 
They did not accept the former XXXX XXXX XXXX loan modification. They are insistent this loan is a Home Equity Loan which they refuse to modify. IT IS NOT A HOME EQUITY LOAN. It is a XXXX MORTGAGE. 
For the past XXXX years I have tried to get Nationstar honor the agreement I had with XXXX XXXX XXXX for a loan modification and they have denied my multiple requests. 
I have spoken to at least XXXX loan representatives at Nationstar and can not get anyone to speak to me. 
I had XXXX representative tell me to make the monthly payments of almost {$3000.00} and I sent these payments on time to Nationstar. 
In XX/XX/XXXX, these payments were returned to me in the form of a Nationstar checks. 
Now, I have received notification that my home is moving to FORECLOSURE!! 
This is an outrage and I do n't believe it is legal. 
I need some relief immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with States Recovery Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I checked my credit report and found that States Recovery Systems has listed an account as an adverse, in collection account. I have paid this debt with the original creditor, and have told SRS this on many occasions. I also requested that they verify the original debt with the original creditor and no verification was ever provided.

Company response to consumer: Closed with explanation