milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in  XX/XX/XXXX .        
The company   XXXX   XXXX   XXXX   XXXX  , which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report   XXXX   2015 and  XXXX  2015 with Transunion,  XXXX , and   XXXX    credit reporting agencies.
         XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 05-04-2015 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (PA).
Issue: Managing the loan or lease

Complaint: More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We defaulted on our mortgage XX/XX/XXXX because we were going to lose our car and had to pay a large amount to get our car loan balance up to date. We applied for a mortgage loan modification with our lender Ocwen. We have been submitting modification paperwork for a year and a half. Every few weeks during that 11/2 years, they would come to us asking for more paperwork. We sent them all the paperwork they needed so many times that we lost count. And we spoke to them so many times and were assured that they had all the paperwork they needed only to have them call again and again saying they were missing documents. XX/XX/XXXX, they had their lawyer begin mediation. We gave her all of the same papers we had given Ocwen for the past 11/2 years. She finally got through to them and they recently presented us with their offer. They decided to rais our payment over {$300.00} more than what we were paying when we had our hardship XX/XX/XXXX. They told us that we do n't qualify for any of the Home Affordable programs. The loan amount is over {$160000.00} because of all their fees. Our home, built in the XXXX 's, is barely worth {$110000.00} and is in dire need of repairs ( furnace, roof, flooring, electrical, plumbing, etc ). We can not afford such a high payment. We would never be able to make the repairs neede to make it liveable. Not to mention their offer includes a balloon payment of over {$90000.00} XX/XX/XXXX. We do n't want to lose our home. Paying over {$800.00} a month on a home that is falling apart is very disheartening. We do n't understand how Ocwen could raise our payment from {$520.00} to {$820.00} and expect us to be fine with it. We believe they can lower the payment. We also believe they are being dishonest. We have until XX/XX/XXXX to accept their offer or move out. We do n't want to do either one. We ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America improperly calculated my income and expenses. Bank of America is making it nearly impossible to be available. Many calls end up in the wrong departments. Bank of America based a modification disqualification on to much income to debt, however did not take into consideration the the new payment. Bank of America stated I did not qualify for a regular refinance because I did not make enough income. Bank of America will not asssign someone specific to handle my situation. Bank of America took over one year to make a decision on a loan modification.

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 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Today, XX/XX/2018, I contacted Experian about report number XXXX. I spoked with a XXXX, who then transferred me to an account specialist named XXXX out of the XXXX, TX office, with team ID : XXXX. Not only was XXXX very rude, but she refused to delete incorrect information reporting to Experian. My last name has been legally changed and I asked XXXX to remove the incorrect versions of my name, XXXX and XXXX, as well as the other versions of my name that wasn't incomplete, since she couldn't add my new last name, XXXX, to my credit file. XXXX refused to delete the various variations of my former name. I then told XXXX that there should only be about ten addresses on my credit report, but for some reason, there are over 60. I told XXXX that most of the addresses belonged to family members, as I am an XXXX XXXX, as well as to my mother. 

The addresses that are not valid and should be REMOVED are : XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 06/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 've been going round and round with Navient. I finally was gainfully employed last year but Navient kept trying to say that my payments were over 1000/month. So I filled out the paperwork for income-driven repayment and was told by the Navient agent that my payments should be around 350-360/month, according to my paycheck. What they ended up being ( supposedly ) was more around 460/month. But what has been happening is, month after month, I log in to find my payment due at {$960.00}. I was told this was due to old late fees. So I paid them my entire bonus from work a couple of months ago to clear out the fees. That money was really needed for other things but I thought I was doing the right thing by trying to get a handle on these loans. Earlier this month, I logged in to find that the payment due was over {$600.00} with a due date of XX/XX/XXXX. I could n't pay it all at one time so I decided to make a half payment from my first check of the month -- onXX/XX/XXXX and pay the remainder of the payment due today with my second check. I logged in to find that I owed a payment of {$960.00} with several of the loans now saying that they were past due. I tried to speak to a rep but he only said that the payment due was $ 400+ and the other $ 400+ was due to late fees. I asked how there were late fees when the payment was n't due until XX/XX/XXXX He said that these were late fees from last year and earlier -- so, wait, they 're the late fees that I 've supposedly already paid??? The rep kept talking me in circles -- kept saying " you can find it on the account history page ''. I pull up the account history page and all it shows is the series of payments I 've made, each one larger than the last -- it seems in a hopeless attempt to get some kind of structure and sense to this nonsense. Basically, I 'm XXXX because of Navient. I 'm throwing money at them for loans that started off as being {$5500.00} each and now they 're saying I owe $ XXXX- $ XXXX each. I ca n't afford a home of my own, nor a car payment, and I 've had to put off medical treatment, because I 'm struggling to get a foothold with these vampires.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (VA).
Issue: Trouble during payment process

Complaint: Hello, I paid off my home mortgage with US Bank on my home at XXXX XXXX XXXX, VA XXXX in the early fall of 2017. 
I called US Bank Home Mortgage last month and asked them where my final release papers were and they said they were sent to XXXX XXXX NC. I had my neighbor look in the mailbox there but they was not found. I requested they resend them toXXXX XXXX XXXX XXXX. They havent arrived. I request US Bank Home Mortgage to send the original note, mortgage, release documents and statement that my mortgage is paid in full to XXXX XXXX XXXX XXXX, VA XXXX. 
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 09-05-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account is over XXXX years old. They have reported it to the XXXX credit bureaus. They have also reaged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting a fraudulent bill that does not belong to me. The item is a bill that is reporting from XXXX and reads " Paid and Close ''. This is not mine. I never paid it. I had reported the same issue with XXXX about XXXX and explained to the hospital that my insurance cards were stolen and the bill does not belong to me and they said XXXX and the credit bureau is responsible for reporting this not them. Please remove fraudulent item from credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (NC).
Issue: Trouble during payment process

Complaint: The home closed  on  XX/XX/XXXX  wi th    XXXX   XXXX  , then  sold to  XXXX . Payments started on   XX/XX/XXXX . All p ayments have been made on time. I have proof of all payments. Between the  two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone ca lls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue.   XXXX   have a transfer date  of  XX/XX/XXXX , the n   XX/XX/XXXX  has a transfer date of  XX/XX/XXXX . I sent t  he   XX/XX/XXXX payment to   XXXX   XXXX    and  they refuse to send the payment to  XXXX  because they are saying it would make my account delinquent with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Medical debt) with The Receivable Management Services Corporation (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. 

I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. 

Please help me to remove this account and make them stop threatening to damage my credit. 
Thanks

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 11-05-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I entered into an agreement with Wakefield associates at the XXXX Tennessee office for medical debt. The debt was around {$1200.00}. My monthly payment I was told had to be {$120.00} or they could not assist with arrangements. The amount was paid for several months until I became ill. I then called a Wakefield rep to see if it would ok to lessen my payment for a couple of months and then return the original {$120.00}. I was told that it would be fine as long as I did not stop paying all together. So for one month I paid {$50.00}, the following month I paid {$75.00} and last month I began paying the {$120.00}. 

Beginning from XXXX to XX/XX/XXXXI have received numerous calls at work, which my supervisor does not allow personal phone calls. There have been two men calling stating they represent Wakefield and associates. 

They have been ask not to call again, but as of Friday XX/XX/XXXX the calls and hangups are continuing. The calls are harassing because they either call my direct ext and directly hang up, purposely allow my phone to ring to voice mail and then hang up or their asking any coworker who answers the phone questions regarding my personal business. Recently I have been receiving calls after XXXX XXXX and sometimes before XXXX XXXX. In addition to that, they have taken some of my payments and most recently {$120.00} and are not properly crediting my account. But they are consistently harassing and trying to intimidate me as if they are not taking my cash payments. 

Since I 've been away, I have a temporary house sitter, who witnessed an unknown man and woman in a car. the man approached the mailbox as if he was trying to read the mail. I 'm very honest in my reporting of this incident and I ca n't prove that this was someone representing Wakefield and associates but I simply have a strong suspicion that it was. Especially since my house sitter said that he heard the woman in the car say " lets call the cops, we 'll get her XXXX ''. How is this deemed professional protocol.

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 07/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY ().
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: The company sends every year a message, saying they could not reach me by e-mail - and foolish enough, they send it by e-mail! A login with the given account number fails with the comment 'we ca n't find the account number. The proposed XXXX number is not available as XXXX-number from outside USA. As living outside USA I also have no Social Security number.

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 formerly requested that both XXXX and TransUnion remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and TransUnion, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.

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 06/23/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: I purchased through Care Credit a prepaid service for XXXX. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the XXXX procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged to my card in the amount of {$2000.00}. The office is run by a XXXX who then will offer to include XXXX evaluations to help with the XXXX. What I was sold were liquids that were run through a magic light and brought to " life. '' The real secret is n't given until you pay the {$2000.00} and then you are told to be on a strict XXXX calorie diet. At this point, I had already spent {$100.00} non-refundable for my initial exam and the {$2000.00} for my Care Credit Card. I believe this is a scam and fraudulent and Care Credit should be partially responsible along with the XXXX XXXX office in XXXX, FL.

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 07-06-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: Attempted to cancel credit card and was given a constant run around. When asking to speak to a supervisor they told me he would call me back in 24 to 48 hours. When I said just cancel my card and they said the annual fee payment still had to paid but it would be refunded in 60 day via a check in the mail. The wait times were on the order of 30 to 45 minutes. This was the Citi Bank call center in XXXX, XXXX. After asking for the name of the agent I was then told they could send me a refund check in 2-3 days.

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