milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. 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 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I am upset with the way Ditech has handle my loan. I have applied for a modification since XXXX XXXX. I faxed all the additional documents that were requested by Ditech and have yet to hear from them. I honestly thought I was being helped but I have been deceived. On XXXX/XXXX/2016 I spoke with agent XXXX Id # XXXX from the loss mitigation department and was told there were no new notes regarding my loan and that it was not yet with the underwriter. This was a major shock for me because I have done my part and provide everything I was asked for. Ditech has prolong my case because I am current on my mortgage payments. I had to escalate my file and spoke with manager XXXX ID # XXXX on XXXX/XXXX/2016. I told him my concerns and he reassure me that he was going to notate my account so when I call I can be provided with an update. I called today XXXX/XXXX/2016 and spoke with agent XXXX ID # XXXX. She just told me about the conversation I had with XXXX on XXXX/XXXX/2016 but again there were no new updates available At this point I am more than sure that Ditech is purposely prolonging my case so I can keep making the high mortgage payment knowing that my home is severely under water. I want my loan to be review based on the current value and my monthly income. Please considered me for the My City modification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (RI).
Issue: Using a debit or ATM card

Complaint: I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.

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 09-03-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX 2016 during a visit to Wells Fargo Bank XXXX XXXX XXXX approach us ( Me and My Wife ) and provided us with verbal information regarding the XXXX account features including higher interest rate on savings, free check books and free safe box as well, we did sign for it few days after we received new bank card in mail, on XXXX/XXXX/2016 my wife went to the bank to put some valuables in her safe box where they told her that she does not have the XXXX account so she 'll have to pay {$100.00} for it, on XXXX/XXXX/2016 we went back to the bank to get more informations about the changes that took effect on our account without our knowledge or consent, XXXX XXXX the store manager admitted that some changes has taken effect on our account and the only answer we get from the manager was ( I do n't know ) and when my answer was " when it comes to financial issues, I Do n't Know is not a valid answer specially when comes from a manager '' XXXX XXXX started getting really upset raising her voice to unpleasant tone telling me it 's a business place and I should n't say that or behave that way, then she turned her back to me, Despite the fact that I did not get any answer about who and when and how my accounts has been changed without our consent, I felt humiliated with that kind of treatment that I got from Wells Fargo store manager so I had to excuse myself going back home with an unsolved problem and a disappointment from the way I was treated which is unacceptable, Taxpayers spent XXXX to save the banks during the bailouts of the Great Recession. Would n't it be nice if they followed the laws of the land?

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 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I called them on XXXX or XXXX or XXXX to ask if the account could be removed an the manager stated that he would in fact get it deleted and I would recieve a email in 3 days in which I did not. The last time I filed an complaint you state you listened to the phone call please listen to the ones from these dates because he stated it would be deleted. Thanks alot

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 06/27/2017 about Debt collection (Mortgage debt) with Statebridge Company (NY).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a cent. I had already surrendered the property to the previous servicer, State bridge LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan, I fell a little behind in my mortgage due to an injury and divorce, I have been trying to get back on track with Ocwen but they refuse to accept payments and have consistently sent payoff and reinstatement letter that have already expired by the time they get them to me. Now a days with email and over night mail ever regular mail there is no excuse for this. My house is now in foreclosure, I have funds to pay the P & I that I owe in full but they say I need to talk to my account manager. He is never available and when appointment is set up to 6 weeks in advance they call and phone rings only once and no one on other end. I call back and am told I need to make another appointment.

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 National Credit Systems,Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OH).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ).  Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid. 

Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record. 

Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me. 

I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: {$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: the site keeps saying my ssn doesnt match

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hi, I previously wrote the CFPB about my 30 day late with XXXX. CFPB saw the problem contacted XXXX and had the problem resolved. My issue now is that Equifax refuses to update my credit report. XXXX corrected the issue, so did XXXX, but Equifax will not correct my XXXX account. They said that they never received the electronic form for correction. Attached to this email is all of my supporting documentation including the documentation from XXXX and CFPB. Again, Equifax has not and will correct my account. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Medical debt) with Express Recovery Services, Inc. (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Express Recovery Services  The collection agency  Express Recovery   aka   dba   XXXX   XXXX  has made multiple reports to the Credit Bureaus which are duplicated more than once on most an d two or three times on many. In total 31 reports filed with 16 o f those being duplicates or triplet reports of the same claim. Their is also a claim reported on my credit report that is  XXXX  bill which had nothing to do with me nor services being rendered to me. The bill was for a hospital stay involving my husband  XXXX   XXXX  and the  XXXX  wrote the balance off but the collecto r Express Recovery  will not stop collections on the claim as well as filed for judgement of the claim and another charge which was written off too. Please give the agency and the hospital attention in this type of practice which seems to be deceptive when the charges had been forgiven then revived to collect again and services that I did not receive.  Total r eported claims exceed  XXXX  that are wrong, duplicated or not applicable to my receiving the service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with CRA Collections, Inc (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Using a debit or ATM card

Complaint: An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Medical debt) with Credit Collections U.S.A., L.L.C. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is an account from XXXX XXXX on my credit report and this account does NOT belong to me. I have NEVER been to the physician. I tried to dispute this through XXXX XXXX, XXXX  and XXXX and all I got back was a response that stated the information is accurate and belonged to me. I requested verification from this physician where I actually signed agreeing to payment and/or being responsible for this account, I received no verification.

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