milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name from XXXX XXXX, I had periods since XXXX where my payments were in excess of 30 days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XXXX of XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 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 information incorrect

Complaint: why do they no report paid on time but if you mi ss one they  report quickly?

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 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (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 tax liens on my Consumer report with LexisNexis, XXXX and XXXX. I have contacted XXXX to disputa all tax liens, XXXX did an investigation and stated in a report the information was provided from LexisNexis and that LexisNexis verified the records as belonging to me. I contacted LexisNexis on XX/XX/XXXX and was told an investigation would be done and results sent to me. XX/XX/XXXX, LexisNexis Consumer Report XXXX case Number XXXX that states the XXXX County Court in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted LexisNexis on XX/XX/XXXX and told LexisNexis that XXXX County Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX County Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to LexisNexis for the their review. Again, I was told that XXXX County Court supplied the information, which XXXX County Court, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and transunion and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went into XXXX XXXX to open a savings account and they had a record that I had been previously denied. I informed them that I had never applied. They agreed that there was no information on file - not an address, phone number, nor email address. I went ahead and applied and was approved, they asked me for all of that information! I checked my credit report that evening and noticed not only XXXX XXXX ran my credit, but also XXXX XXXX and many other companies ... I 'd like a show of what information all these companies have as far as my authorization. I am disputing all of these inquires before 2017.

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 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 information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion, XXXX, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX XXXX XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} Ad XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.

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 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 contacted Experian or about XX/XX/XXXX regarding an incorrect entry on my credit report. I provided them a copy of a letter from the XXXX Department of Insurance and Financial services which reads in part : " XXXX 's response dated XX/XX/XXXX, apologized for the correspondence you received from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the collectron of a debt in the amount of {$200.00}, as your account was sent to the collection agency in error. XXXX stated they contacted the credit bureau to [ accurately ] update their reporting. '' Experian responded that this was not good enough. Now if a letter from a regulative agency is not good enough to correct their screw-up, what is?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.

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 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 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 am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

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 12/18/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called my house today on a XXXX XXXX and wo n't stop. 

XXXX called - XXXX, XXXX, XXXX, XXXX. Phone number is # 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 08-08-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We signed the DIL agreement with Wells Fargo back in XXXX of XXXX and vacated the house on the agreed upon date of XXXX XXXX, XXXX. 

This is going on 1 year now and still not resolved. Wells Fargo will not release the lien after receiving all of the paperwork, they will not return calls or emails to our lawyer to give us any update. 

We also continued to pay the utilizes on the house throughout the winter until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; I was not able to stop paying for trash service as the house is still in our name. 

Any help you can give us with this would be greatly appreciated.

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 10-12-2016 about Mortgage (Other mortgage) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Navy Federal Credit Union claimed to have {$91000.00} on XX/XX/XXXX to transfer on behalf of the borrows per a settlement statement. Repeated request in compliance with NFCU billing rights, XXXX, and the Freedom of Information act for NFCU to validate that amount and where it came from have not been complied with beyond claims they never received those request. In addition is the settlement statement claims {$41000.00} transferred, as part of {$91000.00}, to XXXX XXXX XXXX. XXXX XXXX Loans was seized for fraud in XX/XX/XXXX for this exact same practice of initiating loans they could not validate the original amounts resulting in a over XXXX difference between what they claimed they had and what they actually had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PNC Bank N.A. (PA).
Issue: Other transaction problem

Complaint: On XXXX i wired an amount to a XXXX XXXX account. On XXXX I cancelled the wire to the XXXX XXXX account through PNC. XXXX I closed my PNC account due to fraud and opened a new account with PNC. XXXX wire from XXXX XXXX comes to my now closed account from the wire cancellation. PNC rejects the wire because the account is closed and does not notify of amount coming into my account. I see there is a wire deposit and then it has a wire outging amount as well. This was then removed from my new account eliminating the record. XXXX Call PNC to get situation rectified and end up hearing they can not do anything because the account was closed. XXXX XXXX can not help because I do not have the account and each side says the money is with the other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Diversified Consultants ; with regard to ( 2 ) collections. XXXX was XXXX and the other was XXXX XXXX XXXX. I reached out to XXXX asking what I needed to do to dispute these two items ; because they did not belong to me. The told me to send a letter to them stating the account numbers ; and the reason why I wanted to dispute the debt ( s ). I typed ( 2 ) separate letters ; and mailed them off separately on XXXX/XXXX/XXXX. I was under the impression that I would receive two letters from XXXX giving me the opportunity to explain why the debt did not belong to me. I never received those letters. On XXXX XXXX, XXXX, I received notification that a collection was added to my credit file ; from none other than Diversified Consultants. I called them and asked them if they received my letters and when I was going to receive something back from them ; the lady on the phone looks at the collections and says that the accounts have been closed. I explain to her that I received notification that the debts had been added to my credit file. She says she did n't understand why. I explained to her the entire situation again ; she asked me to hold so she could ask her supervisor what happened. He got on the phone and told me that a fraud statement had been mailed to me. I told him that I did not receive the fraud notification and I wanted to be given a fair shot to dispute these charges. He proceeds to tell me that he checked my account and the notification I received from the credit bureau was a dispute notification. I checked and it was not ; it was an actual collection added to my file. I would like the opportunity to fairly dispute these collections because they did not belong to me. He told me not to worry about it and another fraud document would be mailed to me. I asked him ; would these collections remain on my account while this process is underway. I told him that the rep before him told me that the accounts were closed ; he agreed. He told me XXXX again XXXX that my alerts were not collections, they were disputes. I would like the opportunity to prove that these collections do not belong to me. The issue is ; if these accounts were closed ; why are they now on my credit profile. And number ( XXXX ) I would like to properly dispute these collections to have them removed. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
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 a XXXX XXXX account on my credit report with all three Credit Bureaus. The disputes led to XXXX XXXX taking me to court over a credit debt of {$2100.00} on XX/XX/2016. I filed an Answer with the court denying the debt was mine. After meeting with the attorney who showed me copies of statements which I denied any knowledge of, we were unable to come to any mutual agreement. We had to continue with court which the Judge ruled in my favor the defendant. The attorney was unable to prove the debt belong to me. I was given a copy of the Judgement which i sent a copy to all three Credit Bureaus, Experian, XXXX and XXXX. They still continue to report this debt as does XXXX XXXX who also has a copy that was given to there Attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough

Company response to consumer: Closed with explanation