milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.

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 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such 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 06/13/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AZ).
Issue: Trouble during payment process

Complaint: This is a follow up to a complaint about my servicer Seterus refusing to send me my monthly mortgage statements. After I submitted  the 1st c omplaint, instead of responding, they sent me a notice telling me my payment was not received and was not 31 days late ( see attached ) and a modification package.   My payment was paid including the late fee, that was incurred because they refuse to send me my monthly mortgage payment.       This is an example of the company 's incompetence.   SEND ME MY MONTHLY MORTGAGE PAYMENT STATEMENTS - ON 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 09/17/2016 about Debt collection (Credit card) with Blatt, Hasenmiller, Leibsker & Moore, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016 I received communication from Blatt, Hansenmiller, Leibsker & Moore LLC attorney office. The entity supposedly represents XXXX XXXX XXXX Successor in Interest of XXXX account XXXX. I 've never been in communication with XXXX XXXX XXXX nor received any correspondence that they have authority to collect any such debt from me. What I do know is that XXXX XXXX XXXX is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like Blatt, Hasenmiller, Leibsker & Moore LLC to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX  of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.

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 05-05-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.

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 06/17/2016 about Student loan (Non-federal student loan) with ACS Education Services (WA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A  Georgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is  showing on my credit repo rt. Tax Lien i s showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.

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 04-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: Citi bank had promotion of XXXX $ if I met certain criterias which I did even their rep cinfirmed it to me ( I even recorded it in my phone ) After a while I receive email that I did n't meet criteria! Not cool, obviously fraud by Citi bank! Talked to manager and just sorry.

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 05/28/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We currently are not being provided monthly statements due to the fact that we filed bankruptcy four years ago. It is their policy that we be protected from receiving such a document according to the law. Our mortgage was transferred to this current mortgage company XX/XX/XXXX. Up to that date, we received monthly statements. After respectfully requesting statements earlier this month based on the Dodd-Frank Wall Street Reform and Consumer Protection Act passed by congress on XX/XX/2014 requiring we receive a " Periodic Statement '', closely being defined as a monthly statement, their response was no, they are not required by law to provide monthly statements to active and/or discharged bankruptcies.

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 12/20/2017 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: Was not notified of investigation status or results

Complaint: I submitted a request for Transunion, XXXX, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What Transunion decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!

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 01/19/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL 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 09/26/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversify consultant has been calling me numerous times every day regarding the dept that I did not owned. I know I had a very clean and good credit records. They asked me to release my personal information and I denied. I requested them to remove my phone number from the list but they still continues call and harrash me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with SUNTRUST BANKS, INC. (AS).
Issue: Other transaction problem

Complaint: My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.

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 11/20/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (LA).
Issue: Managing the loan or lease

Complaint: I am another victim of the paypal scandal that has been hovering over XXXX. Products that are sold from supplier 's that do business from XXXX are not good for business with their sub standart materials and craftsmanship. When problems arise paypal is always on their side with ruling of defective products. 

I 'm filing this complaint against Pay Pal for their bises practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I attempted to set up a multiple payment system with Navient regarding a Private loan.When I called after exhausting all avenues of working on my own trying to set up a second payment to pay more towards the loan the company informed me that I had to make One Large payment rather then 2 smaller payments which equal the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Requested assistance on a modification for Making Homes Affordable program due to foreclosure sale date XXXX/XXXX/2016, denied stating documents were not received 15 days prior to sale date, when complete package was submitted to lender same day as third party authorization which was XXXX XXXX, 2016 ( 20 days prior to sale date ), spoke to rep on XXXX XXXX stated on TPA on file. informed rep how do they only upload XXXX document out of many, Sale date approaching fast, rep informed me if complete package send again. Re faxed modification documents again on XXXX/XXXX/2016, rep stated on documents uploaded to Mortgagors system on XX/XX/XXXX, it took 5 days to upload documents submitted for modification. Informed rep that is not acceptable and can not fault client when it was there systems that delayed the process as originally was sent on the XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting incorrect information on XXXX XXXX account # XXXX they are reporting that the account was charged off it was not I have already disputed this item XXXX times and gave Experian proof of no charge off and they refuse to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief