milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: I have a judgement showing from Chase card XXXX XXXX XXXX XXXX for {$3000.00} the reference number is XXXX. This money was collected through wage garnishment XX/XX/2012. It is still showing on the credit report, but is not showing that it has been paid. The balance was paid in full by wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Equifax credit report reflects    XXXX    different  XXXX  accounts with  XXXX  different balances. I have repeatedly requested a copy of any signed agreement between myself and   XXXX   XXXX    Neither Equifax or   XXXX   are able to produce any such agreement establishing the accoun t. Even though no contract or agreement exists, Equifax refuses to remove the fraudulent information from my account. My application to refinance my home has repeatedly been denied due to this fraudulent information. as a result, the home has been foreclosed on. I have lost my home due to Equifax and   XXXX    XXXX   fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Trouble during payment process

Complaint: In XXXX, our taxes were {$3100.00} and our home owner 's insurnace was {$800.00}. At the end of XXXX, we were refunded money from our escrow account. 
In XXXX, our taxes decresed to {$2600.00} and our home owner 's insurance increased to {$980.00}. 
We received notice XXXX that we had an escrow shortage of {$2.00}, XXXX. 
I do n't agree with the consequences falling on us if our escrow has been miscalculated. 
Freedom Mortgage conducted another escrow analysis and stated they do not determine the escrow amount. I was told RESPA calculates.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech processed payments incorrectly and did not rectify in a timely manner which resulted in my having to pay a lock extension fee when I went to refinance. All of this is explained in the attached letters. I have been extremely patient with Ditech. They have sent me several letters saying they are looking into the issue, but it has been over 4 months now. The loan has since been closed because I refinanced, but the issue and outtstanding resolution are straightforward.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The billing office for XXXX XXXX XXXX hired TransWorld Systems to collect on a medical debt from many years ago, which should have been discharged under my Ch. XXXX bankruptcy in XXXX of 2015. Although I believe I 've provided this information verbally to this company before ( I do n't have any dates written down ), the phone calls continued - usually multiple per day. I finally called again last week and after speaking with someone in the billing office who knew nothing about bankruptcy law whatsoever, I was referred to the billing office manager, " XXXX '', by the doctor 's office ( who, assured me that this should stop immediately ). XXXX refused to stop billing me if I did not provide a copy of my discharge paperwork ( even though this information is public record and they ARE a billing office ), so I faxed him a copy last week. After receiving, he left me a message stating that he would have the collection efforts stopped immediately. I have continued to receive calls from TransWorld Systems, attempting to collect on this debt, even after his voicemail to me. I received another call today, which is partly inspiring this complaint. I let TransWorld know that they should cease and desist collection efforts immediately per Ch. XXXX discharge, which was provided to the billing office. I called the billing office this morning again to speak with XXXX, and I 'm told that he 's out all week and no one else is in charge ; that they 're " all in charge ''. This is coming from the same woman I spoke to last week who has no idea about bankruptcy law. She then hung up on me when I continued to press her for who was in charge this week. This issue is causing me significant emotional distress - it was enough to go through the events that led to the bankruptcy in the first place and the bankruptcy itself. I have worked very hard to bring my credit back to good standing and this needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a  XXXX  form dated for  XXXX  from FIA Card Service s, N.A. in rega rds a Bank of America account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to Bank  of A merica asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,  XXXX   XXXX ,  XXXX  my credit report still shows a balance owed of {$17000.00 } ( th is is not correct and is severely damaging my credit reports and credit scores  ). I  demand action and my credit report be updated immediately. I also want a letter from Ba nk of America/FIA Card Services, N.A. st ating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.

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 01-04-2018 about Checking or savings account (Other banking product or service) with Winklevoss Exchange LLC (DC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I bank with XXXX XXXX, and was using XXXX ( the XXXX XXXX startup ) to invest in cryptocurrency. I have since decided to end that activity, and tried to withdraw funds from XXXX back to XXXX XXXX. I initiated the withdrawal of {$5600.00} on XX/XX/XXXX. 

A day later, I was told that the transfer failed and my account was frozen. This is all the information I was given. XXXX does not have a customer support phone number, and multiple attempts to reach them via email have failed. 

I have wired multiple ( much larger ) amounts through XXXX XXXX to XXXX, so I expect XXXX XXXX would recognize XXXX as a trusted source. Therefore, I believe the fault somehow lies with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian has held me hostage as I was asked by detectives to freeze my accounts and case XXXX. CO. XXXX case # XXXX. That Experian gave away all my personnel info to a fraudulent application and it was wrong name but write social.Birthday was wrong address right but " NO '' signature, " NO '' phot id and then lost my mortgage application because of them ... .Now trying to move forward as XXXX victim, Experian has Freeze that they wont lift ... Can not get a hold of anybody at Experian live and 2 weeks trying to lift freeze they still say system down, bank is calling for XXXX attempt to get mortgae refi but Experian is not reachable or available with system down so I am hostage ... This is a violation of consumer protection laws that a private company hold hostage without a phone # to call for emergency service. This is insane. Holding me hostage I will take legal action later against all entities that prevent me from lifting freeze, giving my id info out under wrong name and has " NO '' communication ability for speaking to ... This is illegal and will be first to take to supreme court for justice and CFPB has allowed this. As a XXXX or not person this must be rectified for furture consumer issues that a live phone # is available for contacting this aganecy Experian. This is Hostage of another form ... Wait till I lock up XXXX of customers credit reports and yours with " NO '' way to contact me ... see if you like it or think its fair ... If your the fair credit Bureau of investigation. This is criminal in all directions and want legal action so this does not happen to ANYONE now that my bank for a XXXX time at my cost is trying but ca n't move forward I will file a {$250000.00} law suite for the mortgage I have tried to refi XXXX 's ... LIFT MY FREEZE ON EXPERIAN!!!! XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following accounts be verified or removed immediately.Ive recently submitted certified documents more than 120 days and this is becoming a major problem at this point. I am distress and frustrated. I have attached a copy of a litigation letter concerning the errors that was left on my credit report by your company. I sent in evidence of documents, documents asking for any original contracts bearing my signature but the credit bureau didnt respond. This is final letter before litigation. I have all recording of documents and the last 100 phone calls Ive made with your company. Your company has continued to violate my rights, used my consent without contact, didnt send me any original contracts with my signature and you continue to leave the errors on my profile. I have once again placed pictures of the accounts that are appearing on my account as an error. Most are accounts and the rest are inquiries. Please be aware that this is the final letter before litigation. I am only allowing a total of 24 hours for the inaccurate accounts and inquiries to be removed permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo has been taking my monthly payments and applying these payments to my Chapter XXXX. Why I Say as I am now in the hole due to their taking money that should have been applied as payments to my mortgage and not my ChapterXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted CREDCO on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent them numerous letters and had called them three times. They have refused to provide me VALIDATION in where I provide them authorization or any company affiliated with them authorization to review my credit. They have been sued several times for actions such as these. Please review all attached documents.

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 07-01-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Late fee

Complaint: I log into XXXX selected an item to purchase and clicked on type of payment. I have a paypal account that is linked to my bank account. Generally I have a residual balance in my XXXX since I receive payments from family members. Evidently, I clicked on use your XXXX credit thinking it was my residual balance and the next thing I know I get a nasty letter from XXXX saying I have n't made a payment on my account. 
WELL ... ... I never opened a paypal CREDIT ACCOUNT. I have just a regular account that is linked to my bank. So in essence it 's the same as using a paper check but done electronically. This has the advantage of being much easier and secure on the internet. 
I call paypal and they took the amount due XXXX out of my paypal regular account forgave the {$25.00} late fee and closed the account. MY PROBLEM is this reflected in my credit score and history for opening an account I NEVER authorized having a late payment ( which I never have ) and closing an account. This problem is more common that you might think because of the way the " HOW DO YOU WANT TO PAY '' screen. 
I want these transaction removed from my history and XXXX to get their hands slapped.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: {$460.00} was charged to my account this month when I tried to close my Wells Fargo account. There is a savings account that Wells Fargo opened in my name that I have not ever been able to access. When this account is used to pay for overdraft fees for my checking account there is a {$12.00} charge to use the money. I am a XXXX XXXX person that has been taken advantage of by Wells Fargo. Wells Fargo has been charging me outrages fees since I opened this account and every time I have tried to close my account they have made it impossible.

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 03-01-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: Wells Fargo started my refinancing of my home mortgage in XX/XX/2016. I received the whole Uniform Residential Loan Application, Loan Estimate, I had Appraisal Report done and meet with XXXX, Mortgage Consultant : NMLSR ID : XXXX Phone XXXX at Wells Fargo Bank on XX/XX/2016 to receive my Closing Cost Details XXXX. 
I contacted XXXX several times and he continues to tell me he will be contacting me to schedule my closing date. He never contacted me and I continued to call him but he never returned my calls or answered my voicemails that I would leave.

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