milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, I sent an investigation request to XXXX, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.

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 06/24/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Trouble during payment process

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 02/23/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper 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
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: Please explain to me when an adverse account stating removed date month and year XX/XX/XXXX is still on my credit report and how come transunion refuses to remove this item. See attachment XXXX XXXX XXXX # XXXX # item will be removed XX/XX/XXXX and we are in XX/XX/XXXX. According to FTC 605 ( 4 ) 605 ( c ) ( 1 ) also accuracy and fairness of credit reporting which transunion is violating by not removing this adverse account. I am requesting transunion to remove this error XXXX XXXX XXXX # XXXX # from my credit report

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XX/X/17 - Tried to get free credit report from TransUnion but ended up signing up for a monthly service. Cancelled the service immediately but they were still going to charge me {$19.00} for the 2 minutes I had the account!. Called and they said they would reimburse the cost. This was classic bait and switch and should not be allowed. Especially by a company that is the keeper of your information.

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced the loan on my home back in XXXX 2012. At that time XXXX XXXX was my loan servicing company who had the practice of applying any amounts over my fixed loan payment to principal. Later, the loan was sold to XXXX XXXX XXXX where the same procedure was followed. Recently, my loan has been sold again to Ditech. I received my first statement which includes the following language in the transaction activity section : " Any partial payments that you make are not applied to your mortgage, but instead are held in a separate un-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' As I understand it, the excess payments I send in will not be applied to the principal of my loan and therefore I will be paying interest on a partial principal that the loan servicing company refuses to post to the account. This appears to be a change in how excess payments to principal are handled and is injurious to the consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Medical debt) with PMAB,LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,  2017 , I submi tted a certified HIPAA validation letter to PMAB , LLC for an account that is still listed on my  XXXX  credit report in the amount of {$890.00}. My letter specifically requested for validation of the debt by providing me with something that shows my signature giving my permission to the medical facility/provider to release my information to a third party collection agency and received an itemized bill but nothing containing my signature. This is direct violation of many HIPAA laws and I am requesting to have this debt removed from my report because PMAB failed to provide validation of this debt. Also, the debt was previously removed from my   XXXX   XXXX   XXXX   report due to failure of this company providing validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: My bank is authorizing an electronic transfer to an insurance company every 3 months. The insurance was free for 1 year for opening a checking account. The insurance is not needed and not wanted. I called the bank in XXXX 2015 and told them to remove the automatic deduction and was assured it would be taken care of. The same transfer just occurred again, XXXX/XXXX/15. The Bank is unresponsive referring me to the insurance company. I tried to phone the insurance co. in XXXX. I was put in a wait system and then was disconnected. This problem is on the internet - many are having the same problem. 
The transaction involves the XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX is the payee on my bank transaction information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.

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 09/17/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: When I was in college in 2002 I had some non government guaranteed private loans with XXXX XXXX. I subsequently filed bankruptcy, and these accounts were included in the bankruptcy. I was told they may not be discharged. <P/>Since then, the accounts appeared as XXXX XXXX accounts and I had them removed from my credit reports. Recently, they have all been reappearing as XXXX XXXX. These accounts were closed and charged off over 10 years ago and XXXX is reporting them as still active and able to be reported on my credit report. This is in clear violation of the FCRA and the FDCA. <P/>Please assist me In the removal process. I have attempted to contact XXXX and also disputed with the credit bureau ( Experian ) XXXX and XXXX have corrected the issues. <P/>Thank you, XXXX XXXX SSN- 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 04-10-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Account opening, closing, or management

Complaint: Chase bank closed one of my accounts suddenly. I had deposited checks in the account which has cleared before they closed the account. I have called numerous times and get the response that it was closed due to them flagging it as fraudulent. I was to meet two terms to be able have the funds released. I met both but yet over a month later no funds have been returned. They closed the account on XXXX. I have a statement showing money that has been withdrawn out of the account. they state they need to verify one more check before releasing funds. I am assuming over a whole month is enough time to ensure the check is good. The Checks were signed over from my father who also verified with the bank that it was no fraudulent that he had given me the checks as a b day gift and to help pay my car payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (RI).
Issue: Fraud or scam

Complaint: I switched from my XXXX postpaid to prepaid. XXXX reimbursed me for overpaid fees by sending me a Citibank prepaid card preloaded with these fees ( roughly {$27.00} ). To access the funds I needed to " register '' the card on a website operated by Citibank. This was necessary to have the funds wired to my bank account as I did not want to use the debit card. However, the Citibank website XXXX logs me out every time I either try to have the funds wired or being sent to me as a check. After having tried with different browsers I gave up and started using the card to pay for purchases in order to make some use of the funds. However, to do this, " activation '' of the card is necessary as well and the activation leads to additional costs, depending on card usage etc. Trying to cancel the card is not possible as the website is broken beyond repair for weeks now and the phone number provided only is a robot that is not helpful. 

So XXXX forwarded the money they owe me to Citibank, which provided me with 3 ways of accessing these funds ( transfer to bank account, send check, use card for purchases ), all of them forcing me into an agreement with Citibank which produces additional costs, two of them not working at all due to website errors, and no working way of cancelling the card.

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I assert that I am the owner of all data in this complaint, and then the owner of all information contained in this complaiant. 

There is no Credit Repair company, or entity involved in this complaint. Attempting to avoid responding to this issue outside of this government instrument, deviates from my rights to this process. 

Equifax is allowing Debt Collection companies, to insert themselves into Consumer Reports as if they are the Original Creditor. 

These tradelines are routinely inserted into reports as " Other '' accounts/tradelines, when they know that this can never be true. 

I have such a insertion, and so do hundreds of thousands of consumers with XXXX funding collection accounts. This issue has been brought to the attention of XXXX and Equifax - and been dismissed. 

A screen shot of the account is attached. 

1. According to the XXXX XXXX File specs for use ONLY by debt collectors - Debt collectors self identify themselves in their files to EQ - and XXXX XXXX did not. 
2. XXXX XXXX has an " OPEN '' type of tradeline, when they can not 3. The Date Opened is NOT ACCURATE, as NO TRADELINE was ever opened with them 4. As a DEBT COLLECTOR an ORIGINAL CREDITOR is required, and DOES NOT EXISTS 5. The DATE OF FIRST DELINQUENCY, then is also NOT correct because no CREDIT GRANTOR account was ever established with thm, nor - is there any contract 6. The CREDITOR CLASSIFICATION, is not valid or even possible because XXXX can not be a credit grantor 7. The DATE OF FIRST DELINQUENCY - can not be true, because the accounts ' DATE Opened is XXXX/XXXX/2012 8. The ACCOUNTS PAY STATUS, is invalid - the value displayed is for CREDIT GRANTORS ONLY 9. The ACCOUNT BALANCE, AMOUNT PAST DUE and LAST ACTIVITY DATE are all invalid 10.The ACTIVITY DESIGNATOR - is innacurate, according to METRO XXXX 11. The Months reviewed, is NOT a field allowed to be used by a DEBT COLLECTOR on any file sent to a CRA 12. A COLLECTION ACCOUNT, is also not allowed to have a pay history This account is wholly inaccurate, invalid and borders on fraud. 

Additionally, I believe this account is invalid because any original creditor that I had a balance with years ago, was included in my bankruptcy. 

Please validate this tradeline, its owners details - for your systems accuracy - and then DELETE this erroneous, incomplete and inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I obtained an XXXX XXXX XXXX through Fidelity Investments, and neither is taking responsibility for the gross negligence which allowed fraud to go undetected. Responsibility is being shifted over to Bank of America, a new vendor, and Fidelity has distanced itself from the product so that I can not even log on the account through their website portal. The balance remains on my credit report with major damage to my credit rating. The company address I am being given is FIA Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX But Bank of America sent a no-reply email indicating that they are located in XXXXXXXX. The contents of the email suggest that collections will proceeed, even though this has been entered into dispute. XXXX was shocked they were not doing basic fraud detection that would be standard, but they have told me to deal directly with Fidelity who is dumping me off onto an unwanted relationship with Bank of America with a balance and ruined credit rating. 

I hope everyone reads this because Fidelity Investments was who I entered an agreement with, based on their company reputation, in addition to having respect for the XXXX XXXX logo. But that 's not who I am dealing with, and the damage is substantial.

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 09/14/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Because of mishandling of my information by XXXX, my loan went into default. XXXX XXXX XXXX XXXX stated that my loan was being handled by XXXX. After setting up a payment agreement with XXXX, I was told that after 9 payments, I was eligible for my loan to come out of default. After 9 payments, nothing happened. XXXX continued to deduct {$51.00} per month from my checking account by auto draft. These autodrafted checks are made out to XXXX XXXX XXXX XXXX XXXX Trust Account and are cashed on a monthly basis. The account shown on the checks is XXXX. I have copies of these checks, front and back. To date, 44 checks have been deducted. That is nearly 4 years worth of payments. I have tried numerous times to get someone to send me paperwork to get these loans out of default. I utilized the XXXX database. It states my servicer is XXXX. The current lender is listed as XXXX XXXX XXXX XXXX XXXX XXXX. The current guaranty agency is XXXX XXXX XXXX XXXX XXXX XXXX. I  have contacted XXXX who tell me that they do not have the loan and to contact Great Lakes. I contact Great Lakes, and they tell me that XXXX has it. I contact XXXX, and no one returns my calls. On one occasion, when a call was returned, they left a voicemail with a call back number. That number was disconnected, and I tried numerous times. I then tried contacting XXXX and was put through to " XXXX XXXX, '' where I left a voice mail. There has been no call back. I want my loans out of default, and I want to be able to make steady payments on them or to go into XXXX, if appropriate, so that my loans are in good standing. I have attached copies of the last 18 months of copies of canceled checks that were made out and paid to XXXX XXXX XXXX XXXX via XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Portfolio recovery services account XXXX amount {$630.00} opened XXXX and account XXXX amount {$580.00} opened XXXX has been reporting inaccurate on my credit and is in violation of federal law. These accounts are collection accounts and are reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this XXXX accounts from all XXXX of my credit reports for violating the fcra and inaccurately reporting account statuses as well as account types. I will be following up with complaints with the federal trade commission as well as the Virginia XXXX for violating federal law.

Company response to consumer: Closed with non-monetary relief