milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Notice of federal tax Lien is on my public record and it should have been remove since XXXX/XXXX/2014. All credit agency 's XXXX XXXX XXXX and Experian still show it on my creditreport I want it off now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1ST NATIONAL BANK OF OMAHA Knowingly report inaccurate information refuse to comply with multiple request to verify 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 06/21/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts with 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 06/18/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Credit decision / Underwriting

Complaint: My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.

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 09/25/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The information has been deleted and now they put back on.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (VA mortgage) with LoanCare, LLC (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.

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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Received email from Bank of America fake site to input my username, password, name, address, credit information, and personal email login information Here is the scamming link https :  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 with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Today, XXXX XXXX, I noticed XXXX reduced my credit limit after Transunion reported to them that my credit score is much lower than it was six months ago -- XXXX points lower. And I have never been late on payments this year. Or last year. This is a travesty, and I will get a lawyer to sue XXXX, and Transunion for doing this repeatedly over the years. I have hired an attorney previously who managed to get my credit score increased across the board to almost XXXX. Now XXXX score is listed as : XXXX. Absolutely mind-boggling. I 've had it! Gon na take legal action now. But CFPB should intervene here.

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 02-08-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an XXXX signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, Equifax , and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I called Equifax today XXXX/XXXX/15 and got XXXX XXXX from the office of consumer affairs. I called to explain how I was n't able to view my credit report. As I was trying to explain my issues I was rudely cut off and talked to in a very condescending manner from XXXX XXXX. I asked her why I ca n't view my report. I was given zero explantation and continued to be talked to rudely. At this point I asked for a manager and was denied the right to speak to a manager and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been paying on my student loan for 7 years now. About a year ago I had spent 2 hours on the phone with a employee to get my payment down. He came up with a plan which I could afford. The next month I got an email saying that my payment was not paid. I was on auto payments. So I called and was told that the information that was given to me about how much I would be paying was incorrect and the gentleman I had talked to " did not know what he was doing '' I then talked with a supervisor that was so completly rude. He told me that he could not get my payments that low and I was crazy thinking that he could. He then told me that I better accept his offer or he was going to hang up on me and not help me at all. I was in tears as to how he was treating me. He was so incredibly rude and unprofessional. I was XXXX at the time and was about to be a full time XXXX. Which is what I am now. I do still continue to pay my loan at {$270.00} a month. I just needed to share this terrible experience and I wish I could remember his name to this day or wish I would have called and complained at the time, but unfortunately I was tired of spending so much time on the phone with this company. I hope that things will improve with Navient and they will have supervisiors that are more professional. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (I do not know) with ConServe (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by Conserve Inc. on and off by either phone or mail since XXXX of 2015, about a debt that my ex-husband assumed in our divorce. 

On XXXX/XXXX/2015 at XXXX I was contacted by phone by a woman named XXXX XXXX representing Conserve INC. After explaining my predicament, to yet another agent assigned to this debt, she advised me to write down the case # of the Conserve account and to write my full name, social security number, and include that I am not responsible for the debt, while she was telling me this, she put me on hold, came back on the line and told me she had given me false/wrong information and that I was being transferred to a XXXX XXXX XXXX . 

XXXX XXXX told me that the account has been opened for 6 months and that it needed to be settled and asked what I was going to do to settle it. I again told him that I was not responsible for the debt and asked them to either contact my ex-husband or send me original documentation. I was told in response to the documentation request that it was sent to another unknown collection agency and that to get me copies of the documentation would take too long to arrive and that I needed to settle the debt. I again informed XXXX XXXX that my name was n't associated with the loan and asked them to contact my ex-husband. XXXX XXXX then stated that when attempts were made to reach my ex-husband that he would either not answer or connect the line and not speak. XXXX XXXX insisted that I " should n't hold my breath '' waiting for my ex-husband to take care of the debt and that I should set up payments. I felt that XXXX XXXX statements were a threat directly to me, implying that I would immediately need to take care of the debt. 

I also understand that they are not allowed to discuss communications that they have with my ex-husband. Upon hearing that information from XXXX XXXX it caused me great alarm and stress. This loan is for over {$86000.00} and I feel I have worked with them and all I keep getting is threats to make them an offer. 

I have sent them a copy of all my financials and my divorce decree proving that they need to contact my ex-husband. I feel that their statements indicate that they are no longer attempting to contact my ex-husband and are only coming after me for this debt. I believe that XXXX XXXX is using scare tactics and bullying in an attempt to push me into paying a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with Creditech, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Credittech is still trying to collect {$1700.00} on a medical debt that wasfor a procedure for my son  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  . After trying to fight this medical collection with credittech because I do not owe this money I need help. My credit has suffered greatly. I contacted my insurance company to see why this was not paid and they informed me that the bill they received showed a 100 % provider discount with no money owed. This debt therefor is not valid and I have suffered because of it. Attached is the explanation of benefits that was provided to me from my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle loan) with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Taking out the loan or lease

Complaint: I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.

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 03/22/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently reviewed my Experian Credit Report. I have been disputing a XXXX Account ( # XXXX ) since XXXX 2016. XXXX & XXXX have completed their investigation and removed the negative account from my Credit Report ( XXXX & XXXX ). Unfortunately, Experian remains with this negative account on my Experian Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have my medical providers in XXXX XXXX and all the bill and patient info is completed by that application. I have no outstanding balance with XXXX XXXX and never had a debt from them against me as I paid in timely fashion. 
Approximately 2-3 years ago when considering buying a house mortgage company has told me that I have on a credit report an outstanding debts ( XXXX ) of them that I have not been aware of, as no notification letter was sent to me. I have used lawyer services to deal with that. In summer last year lawyer has confirmed with optimum outcome that I do not have any outstanding debt with XXXX XXXX. The collection was taken off my account. Imagine my surprise when now a year later again the same company optimum outcomes has again placed a collection without Any notification on my credit with the same supposed debt from XXXX XXXX. Again they have impacted my mortgage process. However now I 'm considering a lawsuit since this is impacting my ability to simply " live ''. I 'm surprised that those kind of business tactics are not punishable by law in protection of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I was appointed fiduciary conservator for my mother who has XXXX. One of the requirements of this appointment was to close her credit card account. I met with Chase Bank at a local branch and provided them with a certified copy of the court documents and my power of attorney documents. These were forwarded to the Chase Bank legal department. I then contacted the Chase Credit Card Department and explained the situation and asked for the account to be closed. This was done and I remitted the outstanding balance via check. Several weeks later I observed my Mother using the credit card. I called Chase again to see what had happened. They said my Mother called them and asked to have the account reopened, which Chase did. I explained that I was Court appointed Fiduciary and the account was to have been closed permanently. Chase said they had no record of the document. They would close the account again but if my mother called in again they would reopen it. I explain that my Mother had no means to pay the bill when due because she had no money and no bank accounts. They then told me that the account was on autopay from a Wells Fargo account. I told them that that account had been closed and they would not get paid from it when due. The customer service rep and her supervisor did not care. They did not ask for a copy of the court documents. The supervisor actually said that if my Mother was sound of mind enough to call in then she must be fine with the credit card. Both individuals i spoke with were giving me advice on how to deal with my Mother and XXXX, which was unbelievable. I feel like Chase was fine with not getting paid so that the account would be charged with late fees and a high rate of interest. One reason the Court wanted this account closed was because my XXXX year old Mother was threatening to buy a plane ticket and leave the state. If this were to occur because of her access to a credit card this would be a huge problem and I would hold Chase Bank responsible. This phone conversation with Chase was on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: i have had my loan go into default a few years back and i have corrected it, but i am getting harassing never ending calls and emails about my loan will be going into default if not paid and i do n't even remember attending this school for the dates it says the loans were dispursed, i want some help and some relief from this, now i see navient is being sued and im getting more upset. 

Help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called the credit bureaus and they stated they could not have them removed even though I told them they are not mine and there was no verifiable information linking me to the credit inquiries.

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