milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 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 spoke to   XXXX   XXXX   supervisor in the special handing department for trans union in let him know that I was affected by the glitch they had in there system for inquires where thy where taking off my credit report in reinserted without notifying me within 5 days he said I was the 100 person to called about the issue in he ca n't do nothing about it

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 12-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (ID).
Issue: Settlement process and costs

Complaint: I found forged XXXX also other settlement documents I had never seen before. 
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Credit, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector disclosed that they were trying to collect a debt to my long time ex-husband and told him they were trying to collect a debt even though they have my 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 12/15/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Closing on a mortgage

Complaint: Last fall we completed our mortgage obligations to Bank of America ( hereafter referred to as BOA ). Prior to submitting our final payment, the XXXX XXXX XXXX Collector of Revenues office sent notice to BOA regarding the outstanding Real Estate Tax payment that was to be paid by BOA as part of our escrow. At no time did I or my wife receive a copy of the tax bill either from BOA or from XXXX XXXX XXXX. This was the case during the entire term of our mortgage arrangement with BOA. We fully believed that BOA paid our 2016 Real Estate Tax bill since we received no indication otherwise. 

We did receive an escrow resolution letter from BOA ( dated XXXX XXXX, 2016 ) that referenced payments in-and-out of our escrow account, but nowhere did this letter highlight the fact that BOA did NOT pay our tax bill. 

We also received a XXXX tax statement that contained no mention of our Real Estate Taxes. It does mention several other areas that showed BOA paid {$0.00} into certain categories, but again Real Estate Taxes are significantly absent from this document as well. 

The simple facts are that ( a ) BOA had THE ONLY notification of the payment due ( that was sent via email by XXXX XXXX XXXX on XXXX-2016 ; ( b ) BOA had escrow funds in our account ; ( c ) BOA did NOT pay the bill ; and ( d ) BOA did NOT inform us in any clear-cut way that this tax bill had not been paid. Based on the above listed items, we expect BOA to reimburse us for the {$630.00} in delinquent and interest fees that XXXX XXXX XXXX is charging us for not paying our 2016 taxes 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 08-05-2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is to notify you that I contacted the following inquiry creditor for proof of authorization to pull my credit. I do not recall placing an application with such creditor, nor do I agree to having had my credit pulled by such creditor.

I reached out to the creditor who placed the inquiry and requested they remove the credit inquiry from my credit profile.

They have responded and does NOT have information or records in their files for an inquiry or credit application to be place on my credit report. I demand these inquiries be removed from my credit file at once : 1 ) XXXX  XX/XX/16 I am enclosing a copy of the letter mailed certified to the inquiring creditor, along with their response stating they do NOT have records of my inquiry.

With that said, I expect you to take this matter up and remove the credit inquiries from my credit file today or you will be in violation of the FCRA for reporting inaccurate and unverifiable information on my credit file.

Thank you for your cooperation.

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 02/25/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IL).
Issue: Money was not available when promised

Complaint: PayPal case ID for this reason is XXXX PayPal has put an illegal hold on {$290.00} in my account and refuses to allow me to withdraw my money. 
This issue has already been ongoing since XXXX XXXX or so of 2015. 
I am a XXXX XXXX XXXX, and I made a payment to elance.com website for a service. Within my own paypal account, my friend and I added her credit card to the account a few months prior so we could order a new cell phone replacement screen on Ebay. Her card was not the " PRIMARY '' card on the account, my own was. So when I placed a {$290.00} payment to elance.com, paypal used my friends credit card instead of the available XXXX in my bank account. Which was their mistake and problem they caused for my friends bank who put her into a negative balance and then charged her {$33.00} for every few days the issue went on. PayPal refused to " refund '' the friends card, and debit my account. Claiming that I had to pay that person myself, with cash. So I did so just so the friend was not out {$320.00} and was charged another overdraft fee. 
XXXX later refunded my payment, which is the natural course of action when the other party does not pay for their cost of the arbitration filing. So now that my XXXX was refunded to paypal, paypal locked my account and refuses to allow me to remove my funds. 

Aside from filing a law suit in court, I am going to try this fist. 
If this issue is not resolved in 1 week, I will also be filing that suit in my local court forcing them to A ) pay to defend and B ) cost them more money when I win the judgement + court costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I forget to renew my income based repayment, so I have a 30 day missed payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Medical) with Phoenix Financial Services LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Phoenix Financial Services LLC stating that I owed a debt that was closed over a year ago. I informed them that the debt was paid in full and requested information to forward them proof of debt paid. While I was waiting for the XXXX balance letter and copy of account paid from the original creditor, I submitted a photo of my bank statement showing proof of payment. They did not contact me again until the 30 days was up, or request any other kind of proof. They then attempted to contact us again saying that it was a valid debt. We were advised by the original creditors that Phoenix Financial Services LLC is not a collection agency that they use for collections and that more than likely they were attempting to fraudulently collect information. When I informed them of this information they became combative and told me that the debt was valid and refused to give me information from the company that was requesting the debt paid. I forwarded them the additional documents proving that the debt was paid in full, and they responded by reporting to the Credit Bureaus as a valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: I had a Credit Card with Bank of America. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Bank of America. In XXXX of 2015 ( a full 3 months after the account had been closed ) Bank of America re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Bank of America did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Bank of America reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Bank of America to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Adjustments Inc (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong 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 03/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help 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 10/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I have disputed with the credit bureaus and Santander several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that Santander no longer has the loan and I do n't understand how the credit bureaus and Santander are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with CCS Financial Services, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX recently informed me that I owe a {$50.00} debt from XXXX 2014. I sent them a copy of my bill pay statement from XXXX 2014 that shows I paid XXXX the {$50.00}. XXXX submitted the bill to Credit Collection Services XXXX and I also sent the 2014 bill pay statement. to the Collection Agency. I am going to send both of them this proof again and this time by certified mail also because they say I still owe the {$50.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Aspen Yo LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.

Company response to consumer: Closed with explanation