milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX was hired less than 3mos ago for 9mos stretch.some items removed ... other inconsistently across all three major bureaus.THis is a fcra violation.

recently I have sent all 3 demand for dispute multiple times. Certified mail, uncertified mail, email, FAX ... etc. I am lied to my face about if certified mail has been sent with the hard card and USPS mailing card in my hands. 

My files remain uncorrected. creditor contacted take sweet time in getting back to me beyond 30 day limit and then begin to make claim that debts are accurate after extorting me for over 12 mos. This said, upright law was on retainer last year for around 9mos until I discovered they were scamming me. debt collections should have ceased, irregardless if anything was filed w the courthouse. If I must, I will hire another attorney to do it again and I will pay cash. The problem is the bureaus repeated refusal and noncompliance. They make claims yet are unsupported by evidence NOT sent to me, and supported by the FCRA itself which nobody at any bureau has bothered to read. I have skimmed the entire document in full looking for violations and found over 10 per credit bureau over the past 10 years. accounts I demanded removed ( 2007 ) repeatedly mo after mo I am sent and they are still there. accounts are " confirmed '' w no evidence as to HOW sent to me.

I am repeatedly asked for my blood type each ( week now ) time I dispute anything w anyone and then the reply is DENIED, INCOMPLETE, YOU ARENT YOU and YOU DONT LIVE THERE..or my files are changed behind my back wo my permission.I have had unlawful freezes multiple times in the past I did not authorize. bureaus are now refusing to freeze my files. my online access has been denied and locked up " in investigations '' that take years to unlock. 

FINAL NOTICE BEFORE SUMMONS of ENTIRE COMPANIES before XXXX COUNTY JUDGE for non-compliance. I HAVE INCHES OF PAPERWORK -- I had years worth in XXXX XXXX that got stolen.I had loads more last year. Law firms such as listed online refuse my case even though I have one against the bureau and then run thier mouth at me for reasserting my valid claim.

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 09/23/2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: dear sir/madam : I am fed up and sick to my stomach from hearing and reading about equal opportunity and anti discrimination laws for the last twenty years since I came to this country. after many many incidents over the years, this is the latest incident : I send full application for home refinance to elend.com ( new jersey ), on XXXX within 2 days they provided the credit report from XXXX agencies with score of XXXX, and accepted the income requirements and sent someone for appraisal and charge me {$420.00}. for four weeks after that I was sending emails and making calls with no result. on XXXX they called me asking to provide 1- statement to explain why I got my social security card on XX/XX/XXXX ( the time I came to USA ), 2-documents from XXXX party CPA accountant to show the XXXX for past years although I provided them with complete tax returns from my accountant with there name and signature and contacts. 3-wait for additional possible requirements, although the application was sent with over XXXX pages that include every piece of information any lender would ever ask for. when I got angry about that they called next day to tell me they withdraw the application. up to this moment I have not got copy of the appraisal, and I called the guy who did it, and he said they should give it to me not him.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am aware that you may have totally disregarded my letters or have failed to carefully review my letter due to the high volume of requests EQUIFAX receives daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
I am aware that you may have misplaced my letters ; tossed my letter to the trash can ; or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily OR SIMPLY better yet EQUIFAX does not have a suitable person on staff that can read letters in ENGLISH!! If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Please investigate these three inaccuracies appearing on my credit report Public Records as there are DUPLICATES and remove at least two of the three PREFERABLY remove all three since XX/XX/XXXX expired on XX/XX/XXXX ( per FCRA - XXXX shall only be reported for up to Seven Years ) See Excerpt on next page : BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX Please attached copy of Petition XXXX and Petition XXXX which were filed under the Original Cause No. XXXX requesting permission to sell properties protected by the Bankruptcy ( which was granted AND sold ). 
The perception EQUIFAX Credit Reporting indicates that I filed Bankruptcy three different era when I fact only I file Bankruptcy once in XX/XX/XXXX, not three times as being indicated on EQUIFAX Credit File! 
If my claim above is disputed by the Bankruptcy Court, please provide me with a copy of any viable evidence s ( submitted by the Court ) so that I may elevate this matter with Consumer Financial Protection Bureau ( CFPB ). Otherwise, please delete all three very old account from my Credit File ( beyond Seven Years Limit ). 
I trust XXXX will avoid perceptions of acting in bad faith, and will continue to comply with the Federal Trade Commission ( see 15 USC 41, et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I transferred XXXX MR points from my american express membership reward account XXXX to XXXX XXXX XXXX on XXXX and it was successfully transferred on the same day. XXXX made another transfer of the same amount XXXX on XXXX and could not explain where the points went and I did not receive the other XXXX points on my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing statement

Complaint: We use a Synchrony Bank Lowes credit card for purchases. They offer us a promotional no interest payment option for 6 months on purchases over {$290.00}. However, payment is required, like any normal credit card on purchases that are less than {$290.00}. 

On the statement, there is nowhere to determine how much our payment should be to the bank, in order to not pay any interest on the non promotional purchases. The only payment information they show us on the statement is the full statement balance, which included the promotional purchases, and the minimum payment, which is {$25.00}. 

I would like to know the amount that I need to pay in order to not pay any interest, or receive any other fees for late payments. Also, this information should be made readily available on every single statement, as it is currently deceiving to only show the minimum payment and full statement balance. 

For example, if I purchased {$500.00} on a 6 month non-interest promotional plan, and then purchased another {$200.00} as a regular purchase, the amount needed to pay off the credit card to avoid late penalties would be simply {$200.00} for month 1. If that amount was not paid in full in month 1, then it would include interest charges plus the amount not paid in month 2. 

There is nowhere on the statement that shows what that {$200.00} balance is. 

I have contacted customer representatives twice, but they do not understand what we are asking, and do not fully give us an answer .... It seems like they may even be intentionally deceiving us.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Vehicle loan or lease (Loan) with DriveTime (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: The SUV loan that I am paying  for via Drive Time/   XXXX   XXXX  is Ridiculous. I purchased a   XXXX    XXXX   XXXX  from this company and the truck has driven well for a ll of 2-3 mo nths. I have had it since  XXXX . The over loan for the car is  XXXX  and the car will not last they length of the loan. It stops in the middle of traffic and the return policy ends after 5 days. None of their approve repair shops have fixed the many issues this SUV began to have after thi s 2-3 period. I a m in the midst of addressing once again the repair issues and the representative has been accommodating. But I  know and they ( Drive Time ) kn ows that this car was a severely used care lemon and the car report card that I was given at the time of purchase was false.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with MOHELA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Mohela for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Mohela is now reporting to the credit bureaus that I am late. At this point, XXXX needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I agreed to " pay '' for my Step daughters ( XXXX XXXX XXXX lease deposit for her student housing XXXX, one of the conditions they had ( I found out after the fact in reading the lease ) for her was that she had to have a cosignnor in order for the lease to be signed. Bottom line when they XXXX forwarded the paperwork for me to sign ( for the lease deposit ) it was asking me to sign on her behalf for the lease. I REFUSED and immediately told her I would not. 

This company " Hunter Warfield '' within 30 days of my refusal to cosign and or sign for the lease ( On XXXX behalf ) started calling me at my place of business, my home and my cell phone weekly threatening me with lawsuits demanding me pay in full for a lease that was never signed ( THEIR OWN TERMS WERE GET A COSIGNOR WHICH SHE COULD NOT, AND NEVER DID ). She told them numerous times she could get no one to sign on her behalf. She eventually found other housing with oter students. It took me over a year just to get the harassing phone calls from Hunter Warfield to STOP. 

Now XXXXforward to XX/XX/XXXX, I decided to refinace, I have a derogatory collection account on MY CREDIT REPORT from Hunter Warfield. I have contacted them numerous times asking what and why I have a {$260.00} unpaid collection charge on my account. I have no clue what and or how this is and neither I nor XXXX ever signed anything agreeing to any charge with this company XXXX. 

in communications with a XXXX XXXX ( Manager at Hunter Warfield, he is no longer there by the way ) he did indeed admit that no lease was ever signed and XXXX XXXX never moved into this facility, he suggested I get a letter from XXXX stating I should not have any costs associated with XXXX or myself and he would work to clear this from my account. 

I got a letter from XXXX XXXX XXXX University stating just that, It is not my charge nor my Step Daughters expense whatsoever, now I 'm dealing with XXXX Hunter Warfield and he is saying now that he needs to " verify '' via letter XXXX that I do n't owe something that I have no clue as to what or why I owe any money whatsoever. 

How is it a company ( I have no idea who Hunter Warfield is, nor did I ever sign any document with them ) can just put a bogus charge on my credit report with zero back up documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments

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 04/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: They hit me with overdraft fees cause of regulations on daily spending limits. went there in person on  three  occasions to have fee removed they would n't remove it. I tried to close the account they would n't because I had a balance and my auto pay for my mortgage through the same bank. This occurred in  XXXX   XXXX  almost a year later this issue is still not resolved they ruined my credit. Now after a little research I find that they set up fake accounts,   XXXX   XXXX   XXXX   XXXX   XXXX  , and defrauded fha and payed  XXXX   XXXX  in fines to  justice  department to make it go away? How is this company still in business and no one went to jail?   So now I 'm stuck with bad credit and issue is still unresolved? So this institution does n't follow the laws and stays out of jail? But they want there customers to follow there regulations when they do n't follow any. Wondering what to do? I 'm disgusted with trying to resolve this? I 'm not sending them any more of my hard earned dollars cause of my dissatisfaction with there customer service. So now I ca n't purchase a home nor refinance and I 'm gon na end up in foreclosure.  XXXX   XXXX  is the contact from  Wells Fargo a nd resolved nothing since  XXXX   XXXX . Can you help me keep my home and get  my credit score bac k up?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid of my student loan account in the amount of XXXX on XX/XX/XXXX as part of my home refinance. A check was cut from our title company for this amount on XX/XX/2016. On XX/XX/XXXX, I checked in with the title company and they reported to me that the check had cleared their account and had been paid to Fed Loan Servicing. My online account with Fedloan Servicing still reflected a full XXXX balance remaining. I called FedLoan servicing to see if they could see a pending payment to my account to pay it in full. They checked my account and all pending payments as well as an additional accounts for payments received that are not associated with an account number and they were unable to locate the nearly {$50000.00} I paid to them. Because of this, I was left with no choice but to believe that Fedloan had mis-directed this money and a stop payment was issued and a new " urgent '' payment issued that same day, to prevent me from losing this money. The next day the money posted to my account. But then was removed due to the stop payment. It then took Fed Loan servicing 10 days to post the second payment to my account. In the meantime due to this mishandling of this account on the part of fedloan servicing interest in the amount of {$320.00} was allowed to accrue on the account. I attempted to resolve this issue and asked for a refund of this amount through the BBB but they responded that despite their error, I am responsible for all interest that accrues on my account until the balance is paid in full, which it would have been in XXXX of XXXX if they had appropriately handled the money and not withdrawn it from my title company 's bank without posting it to my account. In addition, the people that I have had the misfortune of dealing with at Fedloan servicing have been universally condescending, unhelpful and trite in their response to any inquiry I have made and most certainly in response to this complaint. This company is criminal and unprofessional and should not be allowed to service student loans. Or students should be given the option to move their debt to a more reliable and honest lender and not forced to deal with this unethical criminal company. If you have any ability to help me I would request that the interest allowed to accrue on my account between XX/XX/XXXX and XX/XX/XXXX be refunded. If not, I would request that my complaint be made public as a cautionary tale to other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 had a tax lien placed on a property I no longer own back in  XXXX . I paid the lien in  XXXX . It is only showing on Transunion and I have asked them to remove this from my credit report and they will not.

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