milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transunion : Unable to resolve the dispute via their webpage as they seem to just want to sell me a credit monitoring service..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain, I was advised that BOA is " dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore, I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking, and I would like to report that they are apparently attempting to " dual track '' home owners again.

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 06/25/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: I have been in the process of trying to do a deed in lieu with CitiMortgage officially since XX/XX/XXXX when I vacated the my home. I have had several different negotiators and they are have just been stone walling me. I have a second mortgage which I had to get approval from them to accept the settlement offer that Citimortgage as offering to them. XXXX XXXX finally accepted their offer but now My negotiator keeps stating that she is not receiving the documents that have been sent over to them. I had to get an extension from XXXX XXXX because of CitiMortgage. We obtained the extension which was until XX/XX/XXXX because Citi needed a 30 day time span. XXXX XXXX sent them the extension on XX/XX/XXXX and I sent it to them on or around XX/XX/XXXX. <P/>My Citi negotiator does not respond to any of my questions and now I am again receiving a request for the extension along with the XXXX forms all of these items have been sent to Citi on 3 or 4 occasions. <P/>I emailed a compliant recently to Citimortgage and am waiting on a response. However I emailed a complaint to Citimortgage in XX/XX/XXXXand the only thing that happened was I received a letter from XXXX XXXX in response actually trying to blame me for the reason it is taking so long for my deed of lieu to complete. <P/>I need help with Citimortgage. My negotiator does not read my emails and I want this issue to come to a conclusion. The longer it take my negotiator to do her job the worse my credit gets. unfortunately I lost my job and was unable to keep up with the payments on my mortgage. Citimortgage was suppose to help me and make this issue go smoothly. Their own paperwork stated that the process should take only 2 months. I lost my job on XX/XX/XXXX. In XX/XX/XXXX I advise Citimortgage that I would not be able to make payments, I put my home on the market and because of where we lived I was unable to sell my home. <P/>I know that Citimortgage does not care if this process goes through or not but there is a system set up for them to help me to complete this deed in lieu and they are to doing their jobs. <P/>Citimortgage has turned this process into an absolute nightmare and I need help from someone that can make them do their job so that I can begin my life over again. Any help you can give me will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with AUDIT SYSTEMS,INC (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: It is called audit systems and I told them to stop calling and harassing me. I already took care of it with the doctor but they refuse to give up and wo n't stop calling

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Penn Credit Corporation (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, I received notice of a use tax from XXXX County Illinois of {$200.00}. On XX/XX/XXXX, I sent a letter of dispute to XXXX County. I received no reply to this letter. In XX/XX/XXXX, I received a notice from Penn Credit representing XXXX County indicating that I now owed {$230.00} for the use tax. I paid them {$230.00} on XX/XX/XXXX. In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX indicating that I owed {$52.00} ( {$2.00} tax plus {$50.00} interest and penalties ). An administrative hearing was scheduled for XX/XX/XXXX. I contacted the XXXX XXXX XXXX and disputed the charges with XXXX. She told me to send an email to XXXX XXXX of Penn Credit with all relevant information. I sent 3 emails on XXXX, XXXX and XX/XX/XXXX. I received no replies. I was unable to attend the administrative hearing because my wife was discharged from the hospital as a XXXX XXXX requiring 24 hour care. I have since received a letter effectively stating that I now owe {$100.00}. I am filing a complaint regarding Penn Credit for failure to provide timely and adequate information for me to resolve this dispute. They have been completely unresponsive to my inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Dear CFPB, I am writing to dispute the following information below thats on my Equifax credit report : Bankruptcy Per Equifax states that on XXXX XXXX, XXXX they verified with XXXX that a bankruptcy was on my file. However I have attached proof that the information is not true. Equifax did not verify such information because there is not a bankruptcy reporting on XXXX and my file has a security freeze that was placed on my account XXXX XXXX, XXXX. I have also attached proof of that as well. 

My concern is that we put trust in a company such as Equifax that has the power to affect consumers wellbeing and quality of life but theyre not following the Fair Credit Reporting Act, something needs to be done about this. Im just looking for some help and relief to get this matter resolved as soon as possible and the bankruptcy deleted from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I currently have a judgment that is being reported on my Equifax credit report. The creditor is XXXX. I disputed this judgment with Equifax for inaccuracies regarding this public record. I currently received a copy of the reinvestigation from Equifax. The information that I received from Equifax states " we have verified that this public record item is reporting correctly. '' I am attaching documents that will prove this is not true. Equifax has my judgment satisfied date as XXXX. The date I satisfied this account was XXXX/XXXX/2015. The amount I paid was {$1300.00}. The amount listed on my Equifax credit report is showing {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I called Santander on XXXX/XXXX/2016 auto loan company and ask them to come and pick up my car, I no longer can afford the payments, I gave them my address of where the car is, which is my home address for over XXXX years and to please call before they come to the house so I can open my gates. But instead they sent an text blast to my past employer including all my friends and family. People called me because they thought I was in trouble with the law This was very embarrasing because this is my personal business information and this is predatory collection practices. SEE STATEMENT BELOW : " Hello, I am trying to reach XXXX XXXX. Please contact me today regarding file # XXXX. Thank you, Investigator XXXX XXXX ( XXXX ) XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.

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 11/15/2016 about Payday loan () with Midwest Recovery Systems (CA).
Issue: Received a loan I didn't apply for

Complaint: while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good DayMy Identity Has been stolen, and somebody tried to open a Bank accounts, Credit Cards in my name, when i submitted Dispute to credit bueraus they are refusing to delete that errors from my fileBELOW GIVEN THE NAMES OF FINANCIAL INSTITUTIONS WHICH ARE ON MY CREDIT FILE AND THEY ARE FRAUDELENTLY OPEN UNDER MY NAME!!!1)  XXXX XXXX XXXX XXXX XXXX  - Date reprted XX/XX/XXXX2) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX3) XXXX XXXX  XX/XX/XXXX4)  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX5)  XXXX XX/XX/XXXX 6)  XXXX XXXX XXXX XX/XX/XXXX7)  XXXX XXXX XXXX  XX/XX/XXXX8)  XXXX XXXX XXXX  XX/XX/XXXX9) XXXX XXXX XXXX  XX/XX/XXXX10) XXXX XXXX  XX/XX/XXXX11)  XXXX XXXX/XXXX XXXX XX/XX/XXXX12) XXXX XXXX XXXX  XX/XX/XXXX13) XXXX XX/XX/XXXX14)  XXXX/XXXX  XX/XX/XXXX15) XXXX XXXX., XXXX XXXX XX/XX/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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   I received an alert from the my credit monitoring service stating that an inquiry was placed on credit files. The inquiry is a fraudulently inquiry via  XXXX  Bank as I did not apply for credit with this company. I called all  XXXX  credit bureaus to notify them of the fraudulent activity.  XXXX  and  XXXX  immediately removed the inquiry, but Equifax did not. Equifax told me to call   XXXX   XXXX   to have the inquiries removed. I called   XXXX   XXXX  . They stated that the would submit a request to the Equifax to have the inquiry removed, and to date, both inquiries are still being reporting on my Equifax credit file. I have called Equifax several times in regards to this matter and each time they tell me to call  XXXX . I called  XXXX  and they keep telling me that they have submitted the request several times to Equifax, but Equifax is still stating that they have not received anything and the inquires are still showing on my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and XXXX and Experian the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past four XXXX 4 XXXX years I have disputed some erroneous information on my credit report XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SLM CORPORATION (ME).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: on XX/XX/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My short sale ( XXXX 2013 ) was reported as a foreclosure to all XXXX credit reporting bureaus, thus further damaging my credit history. After several attempts/requests to Guild Mortgage, they refuse to cooperate.

Company response to consumer: Closed with explanation