milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX : Unauthorized Credit Inquiry Dear : Equifax, I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by the below listed companies that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter via XXXX because I need your prompt response to this issue. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX., BEST B - XX/XX/XXXX XXXX XXXX C - XX/XX/XXXX KOHLS/CAPONE - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CRED - XX/XX/XXXX XXXX XXXX DEALER XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thank you for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Trouble during payment process

Complaint: Since they began servicing my loan, Caliber has sent my tax payment to the wrong address. The previous 2 years ( XX/XX/XXXX ), I have had to work with the municipality to trace it and get it properly applied, incurring late fees. I have addressed this with Caliber every year and they still have not changed it. My recent conversations have gotten them to correct the billing address, but they paid my XX/XX/XXXX taxes twice with my money. Now they are asking for an escrow increase to cover the shortfall, rather than trace the XX/XX/XXXX payment. I have spent hours on the phone with them and they do not seem to care, they just send me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: In early XXXX, I applied for a mortgage refinancing through Bank of America Home Loans. On XXXX XXXX, I paid {$680.00} for a home appraisal and immediately gave access to the appraiser. However, the appraisal was not completed within the 60-day rate lock period, despite repeated inquiries and attempts to move the process to completion. I e-mailed the loan originators, their supervisor, and Bank of America Quality Assurance, without any resolution, specifically writing on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX -- the last two after the rate lock had expired. On XXXX, I asked for a refund of the {$680.00} I 'd paid for services I did n't receive, but heard nothing ; I wrote again on XXXX to restate my request for a refund -- and again, Bank of America ignored my correspondence. In short, Bank of America scammed me by collecting fees for services they failed to provide inside their own timeline ; they failed the customer service test by ignoring my repeated requests for a refund.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, Bankruptcy ( s ) # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX XXXX ( ALL ), XXXX # : XXXX, XXXX XXXX ( ALL ), XXXX # XXXX, Judgments ( ALL ), XXXX # : XXXX, XXXX XXXX XXXX # : XXXX. Remove all address other than my current address of XXXX XXXX XXXX XXXX, Il XXXX ; Remove all non-account holding inquiries over 5 days old,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.

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

Complaint: Early this week, Equifax was hacked. Based on the service they provided to determine if you 're affected, I may be affected. But this whole service funnels back into Equifax, ultimately giving them more opportunities to take advantage of customers. 

In short, their whole business model and role is to do credit monitoring and reporting, and they 've failed to do so responsibly. In reaction, they 've set up a way to confuse more consumers and take more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted the collection agency and advised that I do not recognize the account on my credit report and that I wanted to request verification and validation of the debt. I advised him that I was working directly with XXXX XXXX on my past due debt to receive service and the payments are being reported under XXXX XXXX. The collector then continued to offer me a settlement on this account for 70 % of the balance. They then informed me I have an account from XXXX XX/XX/2010 they can settle on as well. I told him I do n't believe them to be my accounts and requested proof of ownership. I then filed a dispute with the credit bureau 's and the collection agency replied quickly within days the debt was valid and it must remain on my credit report. It has been almost 2 weeks and I still have not received verification or validation of debt. I called the original creditor risk management department and was told that I have no other debt then the account I settled and my Current Account. The collection agency also attempted to collect on debt which was time barred past the statue of limitation without advising me that they did not have the right to sue me or force me to pay the debt if it was mine. They did not advise me that accepting settlement or making payments would have reinstated debt and caused longer reporting on my credit. My rights have been violated as well as the fdcpa and fcra. NC State Law also requires that you provide disclosure of time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: 1 ) I sent this email to my bank : Greetings, I am a customer, and I tried to look up info on Union Bank 's exposure to pressure from oil and gas markets. I 'd like to get a clear picture of how much debt Union Bank carries in that sector. Can you please point me in the right direction? Thank you. 

2 ) I received this response : Dear XXXX XXXX, Thank you for your recent e-mail. Please see the link below. 
XXXX We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 3 ) I responded : Thanks for the response, XXXX. But what I was looking for was the amount of of outstanding loans the bank has in the oil/gas sector, not its investments. Where do I find that info? 
Thanks, XXXX XXXX 4 ) They responded : Dear XXXX XXXX, Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. 
We appreciate the opportunity to assist you. If we can be of further assistance, please send a new message from your Secure Messaging Center. 
Thank you for banking with Union Bank. 
Sincerely, XXXX XXXX. 
Retail Customer Service 5 ) I sent another email higher up the food chain : Greetings. I recently asked a question about amount of of outstanding loans Union BankXXXX bank has in the oil/gas sector and received back a link with information about the bank 's portfolio. Following up, I received this email : " Thank you for your recent e-mail. We do apologize, that is all the information we are able to locate at this time. '' Surely someone somewhere is keeping track of the information I am requesting. As a customer, I am entitled to this information. Please provide it or refer me to someone who can. 
Thank you. 
XXXX XXXX 6 ) I received this response : Dear XXXX XXXX : Thank you for your recent email. Below is a link to XXXX Union Bank financial highlights XXXX Unfortunately, the information you are requesting is not public information and we are unable to share the details due to the privacy law. 
If we can be of further assistance, please send a new message from our Secure Messaging Center, or call Online Banking at XXXX XXXX XXXX XXXX. Online Banking agents are available to assist you Monday thru Friday from XXXX to XXXX XXXX XXXX XXXX XXXX, and Saturdays from XXXX to XXXX XXXX XXXX XXXX ). 
Thank you for the opportunity to assist you. 
Sincerely, Customer Care 7 ) QUESTION FOR YOU : Am I not entitled to know how my bank uses ( lends or invests ) the money I deposit? Oil and gas is taking a huge hit right now and I want to know how my bank is exposed to losses. Is that not my right, especially after the mortgage fiasco? 

Thank you for any guidance you can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently on payment plan where {$70.00} is automatically deducted out of my bank account on the XXXX of each month by Navient. In the month of XX/XX/XXXX, Navient did not deduct {$70.00} from my account as they had been doing for the past year and a half. As of XX/XX/XXXX I received a letter from Navient stating my account has defaulted and I currently owe them the full remaining balance of my loan. I have attempted to call them multiple times and have been unsuccessful with reaching a person to speak with. This is not the first time I am having an issue with Navient. Over the past few years I have received wrong information, been denied repayment options, and have been threatened by them regarding re-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.

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 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I originally owed XXXX $ but my credit report says I owe over {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am filing with the CFPB to preserve a written record per my attorney 's advice. 

On XXXX XXXX, XXXX, I called American Express concerning Fraud charges and payments on my American Express card. Asked for my credit card account to be blocked due to fraud. The call was taking long and I had to get to the hospital for a personal issue. I informed the representative I would call back later that day ( XXXX ) to complete the fraud claim. 
I attempted to call later that day several times. Holds were over 5 minutes. Maybe I am impatient, but I will not hold longer than 5 minutes. 
I went online and used American Expresses CHAT. This took over an hour including losing the connection or being disconnected at least 3 times and each time I would have to re-summarize the events. I informed American Express all charges and payments from XXXX through XXXX XXXX are unauthorized with the exception of a couple auto payments to : 1. XXXX XXXX for {$140.00} and XXXX for {$150.00}. XXXX and 2. XXXX XXXX XXXX for # XXXX and XXXX for {$47.00} were fraud. Every other transaction for those days are fraud. I also informed American Express I did not have the card and it could have been taken or lost and then found by someone anytime between XXXX and XXXX. 

I am most concerned with 2 things : 1. Why American Express 's security system did not identify fraud and alert me. I rarely make online payments, except in an emergency all my payments are by USPS mail. And I have never made payments on consecutive days. This should have set off an ALERT! 

2. The payment on XXXX for {$2300.00}, that was actually deducted from my checking account. My wife and I are retired, she has serious medical issues that require expensive XXXX and I have recently been diagnosed with XXXX. ( not sure how much my medical expenses will be. Our medical insurance typically enters the '' doughnut '' phase forcing me to pay thousands for life saving XXXX. 

When I informed the Chat representative he/she wanted me to call for a payment reversal. I tried the XXXX number but Again, i will not wait on holds for extended time and I prefer all correspondence in writing. 

My fraud claim is already in, but considering the {$2300.00} currently taken out of my checking account I want to make sure the request for a payment reversal on that specific transaction is clear and documented. I did not make the payment on XXXX XXXX, XXXX for {$2300.00} and I did not authorize anyone else to do so. I am asking American Express to Please do a payment reversal and provide me with results of the investigation that would help me understand how my checking account was accessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When moving from my prior residents I turned in equipment for wifi cable/internet. After several calls to XXXX I was assured this issue was resolved. XXXX listed me with XXXX wifi routers. I explained to them on numerous calls that I had only XXXX wifi router as this is XXXX home and they agreed. I did have the router replaced because it was faulty over a year ago and XXXX stated the person who handled my case obviously did not log the equipment as returned and this caused my record to show XXXX and I was assured this will be taken care of and I would not have any further issues and now I have received a box to return equipment and I continue to receive a collection notice for something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Prepaid card (General purpose card) with WELLS FARGO & COMPANY (NM).
Issue: Managing, opening, or closing account

Complaint: Wells Fargo opened an account without any type of authorization from me. I do n't use any of their services ; I have no pre-existing relationship with them. I received a pre-paid debit card from them earlier in XXXX. It would appear that Wells Fargo needed to meet some type of quota and is fraudulently opening accounts in people 's names without authorization from them. It does n't appear that someone outside of Wells Fargo opened this up because it 's a pre-paid card and it was delivered to me and not somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was discharged from a Chapter XXXX Bankruptcy in XX/XX/XXXX. Based upon feedback from my attorney and Chase Bank, I was advised that an audit would be complete by Chase Bank prior to my loan being released to normal servicing. As of today XX/XX/XXXX my loan has yet to be released to normal servicing, I have been unable to get a complete loan history of my payments because the loan still remains in a bankruptcy status and Chase Bank has stated that I appear to be behind XXXX mortgage payments. I have advised them on several telephone conversations that I would like to ensure that the payments were posted properly during the bankruptcy to and validate against payment made to the bank as I do not believe there should be any delinquent payments. Chase has provided each month that I called that it would be another 30 days for the audit to be complete with no real resolution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was a student at XXXX College XXXX CA, and they closed there doors on XXXX XXXX, 2015. I received a text message indicating the closure. I have student loan with Genesis Lending Services and they will not discharge my loans. I feel that XXXX College is to pay back my loan to the company, after all XXXX is the one that broke the contract. This has caused great pain and suffering, because the reason I attended this college was to better myself in finding a job. Now after two years and three months, and only eight weeks to go, I do n't even have a degree now. I am not liable for this loan and will do what I have to do to get this discharged. I will seek information from an attorney about the steps I need to take.

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
Consumer complaint received 05/25/2016 about Credit reporting () with Credit Karma, Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address never lived there : XXXX XXXX XXXX XXXX XXXX, NY XXXX

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