milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Requested accounts be verified as 100 % accurate and true and received a response that the accounts were 100 % accurate and verifiable a little over 30 days later. The accounts in question are being reported as open and with a balance but are closed, with no balance and never had any late payments nor interest fees. XXXX accounts for {$6000.00} are reported as {$9500.00} and {$9100.00} with a duplicate account reported as a XXXX and owe amount of {$8600.00}. The other XXXX accounts, both had an original amount of {$4500.00} are reported as open and owing {$5400.00} and {$5300.00}. All XXXX accounts are false!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on 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 non-monetary relief
Consumer complaint received 03-09-2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 12-12-2017 about Credit card or prepaid card (Gift card) with SYNCHRONY FINANCIAL (WV).
Issue: Unexpected or other fees

Complaint: On XXXX XXXX 2017 I tried to buy and put money on a prepaid card from XXXX. The process was very misleading and kept switching screens asking for more information for the gift card. After I finished I got an email saying that I had been denied an XXXX XXXX credit card. I checked my XXXX XXXX account on XXXX XXXX and found a Hard inquiry for something I did n't even apply from XXXX/XXXX. 

I just wanted a pre-paid gift card.

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 01-01-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed XXXX disputes with Equifax within the past 90 days for a negative account that is listed twice on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on XXXX of these accounts. Equifax supposedly has verified that the account information is correct and XXXX accounts still remain on my credit report. This is inaccurate information and I do n't understand how it can be verified as correct TWICE when it is obviously incorrect! How can I get this removed if Equifax claims that the accounts are verified and accurate? 
***Also, I had the exact same problem/issue with my XXXX credit report. I filed a complaint with CFPB last month ( case # XXXX ) and XXXX FINALLY agreed that there was a duplicate negative account listed on my credit report. They agreed to remove on of the accounts. Thank you so much CFPB for all of your help and, hopefully, I will have the same positive outcome with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (ME).
Issue: Account opening, closing, or management

Complaint: I have a HSA account with hsabank, a division of Webster Bank N.A. from my prior employer. My new employer offers the high deductible medical coverage with a HAS account and it turns out my new employer also uses hasbank. In early XXXX of 2016 I called hasbank and requested they transfer the remaining funds from my prior account to my new hsa account with my new employer. The hsabank customer service representative took my information and submitted the request. As of XXXX XXXX, 2016 the transfer has not taken place. I have call hsabank several time to ask why and the customer service representative was very nice but they could not tell me why the transfer had not taken place other than to say that they were several month behind in processing requests.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing disputes

Complaint: I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, 2017 I attempted to get my free annual credit reports online. Transunion kept trying to sell me my credit score, which I did not want. They kept asking me for information to " confirm '' my identity. Eventually I did receive my free credit report, however upon accessing my XXXX XXXX  account I discovered Transunion had, without my approval, charged my account {$19.00}. Upon checking I could not discover what service I was being charged for except it was monthly. I was unable to contact Transunion either by phone or email. I immediately contacted my bank and this charge is currently under dispute, but that is no help for me as I live on a small pension and need the money for things such as groceries. 

I had a similar experience with XXXX except they did not charge me anything. In my opinion none of the three credit reporting agencies should be allowed this kind of misleading conduct. Transunion 's site was just plain deceptive as each of the pages of information they required clearly was labeled " free credit report '' and, all three of the agencies kept trying to sell me my credit score, because a lot of the time the word " score '' was substituted instead of " report '', and one just had to be alert for the substitution. XXXX was very persistent in trying to sign me up for additional services, however they finally gave up and informed me I would have to request my free credit report by mail along with two copies of something which I have forgotten. I never gave any of these agencies ownership of my personal information, and they badly need tighter regulation, but probably will not happen in my lifetime.

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 08-11-2016 about Debt collection (Medical) with Health Services Asset Management, LLC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not believe actually this debt is caused by me and strongly believe it is wrongful charge that is posted against my credit report. I do not have any documents and never dealt with them in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: When I opened an account with PNC back in XXXX 2016 there was a promotion to get {$200.00} if I deposit {$2000.00} and use my card for a certain number of transactions and pay a bill online. I did all those things but still did n't receive the promotional offer. I went to PNC branch in XXXX NJ in XX/XX/XXXX and spoke to the manager who opened my account ( XXXX XXXX ) he said he will look into that. Nothing happened for two weeks and I went to see him again, he made a call and said the money will be in my account in ten working days. This however didnt happen so I emailed him on XXXX XXXX and he said he will look into that. To this day I didnt receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Other mortgage) with Comerica (MI).
Issue: Settlement process and costs

Complaint: Comeric bank gave my father XXXX a hom equity loan against my house that i own with my husband. they admitted in court tht they did not look into the title which has been in our names since XX/XX/XXXX and in XX/XX/XXXX they gave my father a loan and since he has passed away they have this lein on my hoouse and have been threating my family to foreclose i do not find this fair i need help please they already tols my then XXXX year old daughter we are going to be on the streets because he low life parents dont pay the bills. this is wrong to make her worry. it is not her bussiness .please help me

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AC Autopay, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC  Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.

Company response to consumer: Untimely response
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: 1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/>
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} -  estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: information was supposed to be removed and still being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.

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 08/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was a victim of ID theft 3 times in past year and requested and submitted all the info to have a security freeze and fraud alert placed on my credit bureau accounts. Equifax sent my credit report and all my security freeze info to an address that was not even mine. So now my info is in the wrong hands again. I spoke with XXXX people from Equifax over an hour and half and they told me that it was my fault for not reporting the correct address. All of the documents submitted had my correct address. They will not provide me with a new PIN number, and I have left 2 messages with the corporate office and received no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I never resided at the address on on XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The address on XXXX XXXX is the address used by someone who stole my identity and the address on XXXX XXXX is a typo.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and experian have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel experian has violated by consumer rights.

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 07/17/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: I was charged late fees on a account, because the bank raised the minimum payment without advising me.I had a recurring payment setup through my bank. I have a 100 percent ontime payment record for at least XXXX years.

Company response to consumer: Closed with explanation