milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not sure if this is the right category for my complaint. I have contacted all XXXX credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on Trans Union and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from XXXX % to XXXX % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! Trans Union told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.

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 09/22/2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX XXXX, I obtained a Loan Modification with Suntrust Mortgage that fixes my interest rate in 2.75 % for the whole term of my mortgage. As part of the agreement, my monthly payments from XXXX XXXX until XXXX XXXX were in the amount of {$1000.00} plus escrows ; however, recently I received new Statements from SunTrust Mortgage for XXXX month showing a payment increase of

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 11-07-2015 about Debt collection (I do not know) with Delta Management Associates, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company called Delta Management calls several times a week. The person calling is called XXXX XXXX. I have repeated told her that I am not the person she is trying to reach and that I do not have nor have ever had student loan debt. She keeps trying to get personal information from me. I have asked her to stop calling and have had to block her number to stop the harassment. She is rude and hangs up. Their phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to XXXX XXXX and Experian several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 XXXX XXXX, and Experian, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. XXXX also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.

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 01/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I regularly monitor my credit report and a company XXXX XXXX XXXX appeared on my report alleging I owe them a total of {$700.00}. I called company to inquire about item on my report I ask where did they obtain my information from and what company did you work with in order to obtain my info because this does not belong to me. After speaking to the representative the out right said I owed this money. I sent a validation letter to this company during XXXX -2015 & XXXX -2015 and yet to hear a response back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX, 2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my XXXX report the company name is XXXX, XXXX XXXX, XXXX XXXX. 

Also, I 've called and sent XXXX a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

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 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan payment for Navient is {$550.00} a month. I only make {$34000.00} a year right out of college and I have other bills to pay. My cosigners have no involvement in the repayment of my student loans. I called Navient to find out if I was able to have my payments decreased because I can not keep up with the payments, and they did not help me and told me I do not qualify for a lower payment. They also asked me why my payment was late and that I need to pay it as soon as I can, but with the bills I pay each month and how little I get paid, I barely have enough food to eat. I have tried consolidation loans and keep getting denied because my loan payment is late. I only have my XXXX, therefore I do not understand why my payment prices are as if I went to XXXX School. Please help me and explain to me my options because I am drowning in these payments and barely getting by.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with Roach & Murtha, P.C. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Received a Letter from Roach & Murtha Attorney AT law PC. Stating that they are collection a debt The accounts XXXX XXXX XXXX for the Original Creditor XXXX XXXX XXXX. Index Number XXXX. I advised the company that i do n't know anything about this Debt. This is a fraudulent account, I never opened this account or made any charges with this card or company. I do not know anything about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: With the assistance of   XXXX   XXXX   XXXX    financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started   XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a   XXXX   XXXX   but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00},  XXXX  still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am  XXXX   XXXX   XXXX  and will retire in   XX/XX/XXXX   with 31 years  of   XXXX   XXXX  .  This was to my understanding a Federally Funded  Loan Program or is the title  meant to be misleading. No wonder people just give up and default.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Managing the loan or lease

Complaint: I was never late in paying my Capital one Auto Finance. The account was on autopay set up through Capital one and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. That account has a zero balance, it was paid off in 2013 and was closed because the loan was paid off. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OK).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: This account is showing its been closed but midland is garnishing my check (

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i was called about a {$60.00} credit card dept and was told i need to pay {$1000.00} i told them i dont owe your company anything my dept is with XXXX XXXX XXXX she then gave me addtiuted and would not let me talk and was hurassing me to pay the debt now or futher action would be required and she kept asking for my personal information i told her no she got even more threatning with additude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: We have an existing mortgage with Nationstar Mortgate, loan number XXXX. We have good credit, never late on a payment or filed bankruptcy, steady jobs and near $ XXXX in equity on our home. 

We have been attempting a refinance since XX/XX/XXXX. Initially, we were approved but when it came time to sign, they changed the terms of the loan on us. We were working with another lender, too ( a broker friend, unfortunately ) who said he could meet their original terms of the loan. We decided to go with him. It turned out to be a mistake so we went back to Nationstar, hoping it would be easy to resume the loan. 

It has been a disaster. With no competition anymore, it has felt like Nationstar has no intention of giving us the lower interest rate they quoted us ( 3.99 ). There have been XXXX different loan officers on this loan. It appears that, instead of extending the lock ( which costs them ), they avoid it by originating a brand new loan and assigning a new loan officer. With that comes the deluge of NEW requests for documentation they have already received. And no one will ever call us back or answer simple questions : Is this a new loan? Has the interest rate changed? Are the closing costs still waived? We will supply all their demands and then they change loan processors again. The most recent loan agent is now in Connecticut and has asked for the FULL copy ( via email ) of our living will and trust. It is about XXXX pages long. I can not get it through my server. So, we set up a very organized, shared XXXX file where she can easily find and download all documents she needs. She has never accepted the link or even replied to my email suggesting it. 

Honestly, they are not operating in good faith. They have NO intention of lowering the rate on our mortgage. It has been XXXX months and we are still in the very first stages of refinancing. This is the most egregious experience with customer service I have ever been through. Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Medical) with Financial Business and Consumer Solutions. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.

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 05/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collections notice dated XXXX/XXXX/2014 for {$540.00} from XXXX of XXXX Florida has appeared on my Credit Report. No previous invoices or collection notices were ever mailed to me. There is no account number on the report from Equifax. I will be disputing this notice immediately, as I have and have always had XXXX XXXX and I 'm positive there is a confusion on their side. 
Plus, I had Identify Theft problems that appeared on my IRS 2014 taxes that the IRS made me aware of and I took immediate action to rectify that urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought this car in   XX/XX/XXXX   at  XXXX  at  XXXX  of   XXXX   XXXX  , it was financed by  Santander consumer. I still owe this same amount on this car as when I first bought it. I have contacted Santander several o f times about this, and they always give me different reasons why I still owe this amount. I have contacted better business bureau in or on   XX/XX/XXXX  the y have n't been able to help me, I have n't received any result about me paying on this car for 2 years, and I owe the same amount as I purchased it for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Other mortgage) with SYNCHRONY FINANCIAL (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Synchrony continued to call me and work and home at inconvenient times ; after XXXX, and scared me by threatening to come by my home and work to pick up the money I owed them. Synchrony continues to report negative info to credit bureaus on my credit reports even after I told them to place " this account is being disputed '' on my reports. After 60 days, they still have not done this. I would like to receive {$5000.00} or more in compensatory award monies and that my debt be cancelled and wiped clean and I be issued a new {$900.00} or so credit card and credit card line of monies. 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 06/15/2015 about Debt collection (I do not know) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX 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 09/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt bank.

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 05-08-2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: In XXXX of this year, Messerli and Kramer, froze my savings account and on XXXX XXXX, 2015 they had the bank send them a check for {$320.00} and then they released my account. They did this even though they were told that I was on XXXX Assistance in Minnesota. According to Minnesota state law, they were not allowed to garnish my account for at least 6 months after I am off of assistance. I would like my money back and have them charged with whatever crime they have committed against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Settlement process and costs

Complaint: Chase Bank is the servicer of a loan on my property and we are trying to sell the nieghboe an small piece of land XXXX XXXX acres from our XXXX acres XXXX. And they have been completely unresponsive to my repeated phone calls and emails. A person XXXX XXXX, in the land Transactions deptatment ( XXXX ) is supposed to be getting this done for me, however he does not ansewr his phone or email and only after I contact customer service depatment ( after 2 time ) does he respond with more information he needs and then does not follow up. I was supposed to close on this property two months ago and It is completely unreasonable that they are not fullingin g their obligation to service this loan. I have sent the {$800.00} dollars in fees and spent countless hours on this already. I need help with some resolution.

Company response to consumer: Closed with explanation