milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TransUnion has kicked me out of the system for over two years I have had a username and pass code there has been problems ONGOING I have found a error recently and disputed with TransUnion they have kicked me off the system and or flaged my account causing me to jump hoops and preventing me from viewing and or getting my current status

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Credit line increase/decrease

Complaint: I have a CareCredit Card through Synchrony Bank. It was brought to my attention by XXXX Credit Bureau by email on XXXX/XXXX/2016 that Synchrony Bank, without my knowledge or consent, reduced my line of credit from {$7500.00} to {$6000.00}. I called Synchrony and spoke with a manager as to why this reduction to my credit line happened. I was told by this manager that due to my card being inactive for a length of time ( one year approx. ), Synchrony saw fit to reduce my credit line to help prevent any fraudulent actions ... huh?! I explained that reducing my credit limit would not look good when it 's reported to the credit bureaus, but again was told this action would reduce any potential criminal activity. Which begs the question, if someone were to access my account in a fraudulent manner, what would be the difference between {$6000.00} and {$7500.00}? It would still be an unlawful attempt to pursue monetary gain through identity theft. I would very much appreciate any assistance from CFPB regarding this matter and what, if anything, can be done. 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 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed with Transunion around XX/XX/XXXX, about an account with XXXX XXXX stating that the insurance company paid them late, not me XX/XX/XXXX. Which made that account 30 days late. 
But not only was my dispute rejected from XXXX XXXX according to Transunion, they deleted a perfectly good Tradeline from my Transunion report, which lowered my score by XXXX points. It was XXXX XXXX XXXX XXXX a credit card that was deleted. I never disputed this account. 
So I called XXXX XXXX XXXX XXXX to see if a dispute was presented to them in error. 
And XXXX said " no dispute was ever sent to our company From Transunion ". 
So, I think that Transunion did this on purpose. Or error. Which ever one, I need to know.

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 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: XXXX   XXXX   XXXX   has merged w ith Huntington National Bank, all of my accounts were to be transferred to Huntington   Bank, after waiting patiently for my new credit card to be sent from Huntington Bank over six weeks later I have not recieved the card. I called Huntington to find out what happened and I was told the account had been closed per my request. I informed them that I had not made any   requet to close my account, and that I had no prior communication with them or   XXXX   XXXX   XXXX   at all about closing an account. I was told that nothing could be done at this point. I ask them to tell me when was request submitted, and how was it done because it was not me.  Huntington responded by telli ng me they were not allowed to give me that information even though they claim it was me who made the request, they could not provide proof or any information to support that statment because they know it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Here are the items I have identified as inaccurate. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with PDQ Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was seeking to file a dispute for an item listed in my credit report, and I was asked to verify information in regards to, mortgages, loans and credit accounts, none of which have I openned, and I was denied access to file the dispute because I answered truthfully in response to the questions asked.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with NCC Business Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Jon Barry and Associates, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Information was disputed from my credit report and now it has reappeared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: From XXXX XXXX, 2016 thru XXXX XXXX, there were XXXX fraudulent charges/transactions using my Capitol One Visa Business account in the amount of {$19000.00}. All charges originated from XXXX XXXX XXXX in CA. No one from the Capital One Security or Fraud unit thought anything unusual about these XXXX transactions (!!!!! ), although the balance on my account was never higher than {$500.00}, and was paid in full monthly! I immediately called Capital One on XXXX XXXX, 2016 after receiving a phone call from XXXX asking if I had purchased a gift card online for {$100.00}. THEY ( XXXX ) recommended I contact the Capital One people to report fraud. How is it a potential charge of {$100.00} activated an alert from XXXX to contact me, but XXXX charges to XXXX company in the amount of over {$19000.00} did not alert Capital One fraud or Security! These people need to be held responsible for their lack of attention to abnormal activity on customer accounts! All I received is " wow, we 're really sorry. How did that happen? You of course are not responsible for these charges, but Wow! You must have fallen thru the cracks ''. This attitude does not leave me with any sense of security from Capital One. I have been issued a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Managing the loan or lease

Complaint: Attempted to get into an auto loan for a vehicle on XX/XX/XXXX. Credit score at the time was horrendous, yearly income XXXX gross. Was told that I could be financed ( predator loan ) for the amount of XXXX dollars at XXXX dollars a month, and could refinance for a better rate when my credit score went up. Payments have been going majority toward interest for 12 months, and not principal. Credit score has risen nearly XXXX points in 1 years. Attempts to refinance are not accomplished, negative equity keeps building on the vehicle. Vehicle now worth under XXXX dollars. Was told by banks that unless I dumped money into the vehicle, I would NEVER be able to catch up on equity. Attempted to contact lender on XX/XX/XXXX to negotiate monthly payment. Lender would not negotiate monthly payment. Stuck in a vehicle I should not have been financed for in the first place. As of XX/XX/XXXX amount owed on vehicle is XXXX with a payoff of XXXX with XXXX total paid ( XXXX " late fees '' for distributing monthly payment in half, XXXX in interest alone, and only XXXX towards principal varying from XXXX any given payment ). Monthly Amount is beginning to stress financial situation ( life changes ) and there is zero negotiation or chance of refinance without default of payment, repossession, or bankruptcy ( no actual reason for bankruptcy at the time ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My lender claims that we are not carrying hazard insurance to cover our home. We have provided them with proof of insurance multiple times and have made multiple attempts to resolve this issue. Our insurance agent has attempted to resolve the issue as well. at this point they have refused to accept our policy and are charging us for a hazard policy provided by them at approximately XXXX times the cost of our existing policy. This issue has been dragging out for over three months. Every time that we contact this company, they tell us that it will be reviewed but nothing gets resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I made a mail charge and it was not applied to the right account. My account was charged a late fee and I need it switched to the right account. Please call me at  XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: There are 3 tax liens showing on my Equifax Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via Equifax website on XX/XX/XXXX and Equifax sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I encountered financial hardship and attempted to modify my mortgage through XXXX XXXX XXXX. There was a trial, then permanent modification which I also fell behind on. I started an attempt at another modification in late XXXX XXXX. At the end of XXXX XXXX, I received notification that they received my documentation and I should have an answer within 30 days. Before that time was up, I received a letter from XXXX stating that they had sold my mortgage to Caliber home loans. This letter also stated that if I was in the process of attempting a modification, they would forward all documentation to Caliber for them to complete the process. Around the same time, I received a similar letter from Caliber stating that they had taken over my mortgage, but no mention of the pending modification. XXXX or XXXX of XXXX was the last time that I received a mortgage statement and I never received any notification of the outcome of the modification. Caliber simply continued the foreclosure efforts that XXXX had started. I have never received a periodic statement from them, loss mitigation options, or a single point of contact. The only " loss mitigation option '' I was ever sent was a generic sales-like flier saying that I could potentially be eligible for a deed-in-lieu of foreclosure. In XXXX XXXX, I attempted another modification through an attorney. Through this I obtained single point of contact information and was able to sign onto my portal through Caliber. On the portal, there are also no periodic statements listed under my statements. I received notification today telling me that my modification has been denied, and that I am " not eligible for alternatives to foreclosure. 

Caliber has not acted in good faith on any level in the servicing of my loan. From the time they took it over, they have only moved forward with foreclosure. They have made no attempts to assist me in retaining or curing my default. They have not even bothered with monthly statements because they have no intention on properly servicing the loan. I even received a communication from them recently with my account number very clearly labeled and exposed through the clear address window on the envelope.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I was contacted by Hunter Wakefield on or about XX/XX/XXXX for a debt in the amount of {$1600.00}. I investigated the company via Better Business Bureau of XXXX, FL and discovered that this firm had over 300+ complaints. After many hang-up calls, the firm finally left a message. I called back and thought we were making progress in negotiating a settlement. I spoke to XXXX XXXX on or about XX/XX/XXXX and made my final offer to settle. Unfortunately, he became angry and belligerent and hung up on me. See Attached documentation.
I continue to receive hang-up calls from a phone number related to Hunter-Wakefield. I 've sent a certified letter requesting the calls to stop. See attached documentation. <P/>Can you help? <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX is a collection account that was reporting to all XXXX bureaus and when I disputed the account and requested documentation, XXXX XXXX XXXX claimed they sent the debt back to the hospital and requested for it to be removed from all XXXX bureaus. However its still reporting on Equifax credit file and I 've disputed this account on number occasions. XXXX XXXX XXXX states they have already requested for it to be removed and Equifax has not removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: For my non-qualified pension, in 2014 Wells Fargo took over administration. They insist on withholding Illinois income tax as if these pension payments were " supplementary wages '' and that therefore the standard exemptions are not allowed. In both law and practice, this is incorrect. In law, by all legal definitions these payments are not wages or supplementary wages. In practice, when I fill out my Illinois tax return, I am able to apply my exemptions against these payments since my qualified pension is not taxable. A letter from the XXXX addressed to me states " Wells Fargo is in error '' and that Wells Fargo should provide for exemptions when calculating withholding on these payments. Extensive correspondence with Wells Fargo has reached the stalemate as described above.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: There are SEVERAL issues with my equifax report. I have been trying to resolve these issues for years and nothing has been fixed. 
# 1. Phone, address, etc not updated for several years. I have mailed and spoke to them about this several times. Each time I have been told it was fixed. I do n't find out otherwise until one of my accounts gets closed or I get denied due to info not matching # 2 : listed account-XXXX XXXX is WAY out of date. It has not been updated since XXXX. This is huge bc since then I have not had any late payments and the account is open in good standing. Due to that out of date info and othet issues, my XXXX score is continously going down and affecting my CURRENT CL. 
# 3 : SEVERAL accounts are missing. These not only provide more open accounts on my report but it ups my limit, reduces my utilization, affects my open account history etc etc. 
# 4 : I have been unable to get my reports / score from equifax for several years. I keep calling and doing their processes over and over. Nothing. 


All of these things combined are having a serious affect of my life. I am constantly getting declined bc of equifax and my current credit is being affected. I HAVE TO GET THIS FIXED AND CORRECT INFO SENT TO ALL RECENT INQUIRIES!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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 was a previous XXXX XXXX and a victim of a security breach of personal data at the OPM office. After being notified of this I pulled my credit reports and found an in accuracy on the Experian report. I filed a dispute for the in accurate items but they were not removed, nor would they reinvestigate them even after I offered to send the letter from the OPM office proving the security breach. There were no in accuracies on the XXXX or the XXXX reports making it all the more evident my personal information had been compromised. <P/>I have tried several times to provide them this information in addition to redisputing the entries. They simply refuse to reinvestigate. These entries are damaging my credit and will cause me to pay higher rates for any loans that I may obtain.

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 11/19/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Mortgage (VA mortgage) with TJC Mortgage, Inc. (AL).
Issue: Settlement process and costs

Complaint: I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation