milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on X/XX/2017 and they explained that I needed to contact them in writing to dispute them. On X/XX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so again I called the TransUnion X/XX/2017 and again on X/XX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

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 06/14/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America did not record the satisfaction of mortgagee on a property we purchased in 2004, which is now holding up the sale of our home.

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 08/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This complaint is in regards to Wells Fargo issuing a Debit-BD Recovery Offset from my personal deposit account ( XXXX XXXX2017 ) while I was in the middle of negotiating pay off of an outstanding Business Account Credit Card debt. I had an outstanding debt on my business credit card account for an XXXX that recently became insolvent. I was in the middle of negotiations with a Wells Fargo representative to resolve my debt when a family emergency occurred, leaving me unable to respond to any of the calls or messages that were left for me. However, previous to the emergency, I was taking positive steps in negotiating a settlement agreement to pay off my outstanding debt. But during the time I became temporarily unavailable due to a family emergency, Wells Fargo unilaterally froze my account and withdrew {$2000.00} from my personal checking account ( XXXX XXXX2017 ), where I receive my direct deposits from work, without any notice. Moreover, the agent that I was put in touch with to discuss what had happened was extremely and unbelievably rude and laughed stating that there is nothing I can do and that the debt has been paid in full while threatening to disconnect the call.

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 08/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (ID).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. 
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "

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 04-01-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. 
Verification of contract needs to be produced to verify obligation by consumer.

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 10-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/17 3 transactions posted to my account : {$80.00}, {$27.00} and {$5.00}. My balance at the time was {$41.00}. Chase, in bad faith, processed the transactions from largest to smallest, triggering 3 NSF fees. I had enough funds to cover two transactions, but Chase, in an effort to illegally generate more fees, processed the transaction in a way that created more NSF. I had to miss school and ended going to the doctor due to XXXX  XXXX after spending over two hours on the phone with them trying to fix this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose prepaid card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Unexpected or other fees

Complaint: Why did I received the below e-mail from Bank of America From XXXX Bank of America XXXX Subject : You have a new bill from Bank of America Credit Card To : XXXX Reply To : Bank of America XXXX E-mail noted " You have a new E-bill from Bank of America Credit Card. 

I HAVE NOT SIGNED UP FOR ON LINE E-BILL OR ON LINE BILLING. 

AGAIN, WHY DID YOU SEND THIS E-MAIL 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 monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Late payments are showing on all student loans, I was in school during those times or my loans have always been in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (NC).
Issue: Excessive fees

Complaint: In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has confirmed my personal and private information has been improperly protected and is now part of an entire batch of data stolen from Equifax through " hackers ''. I have already placed a fraud alert on my credit file to catch any attempts to use my data in the next 90 days. However, the information which was stolen will be with me for the rest of my life, and I now must continually freeze my credit or keep on high alert to protect the most private data that actually makes me a " person ''.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (VA mortgage) with Stonebridge Lending Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: Received a mailer with bogus information and quite illegal according to required state guidelines.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: My husband passed away XXXX XXXX, 2011 after a two year battle with XXXX. There is a loan modification of the mortgage on my home which I never participated or consented. 
As you know, Wells Fargo bank conducted so much fraud and I am afraid that this loan is another fraud. They do not give me any information regarding this loan. 
I contacted Wells Fargo bank and faxed documents demonstrating that the property is in my name and anything affecting my property requires my consent. I did not receive any response and Wells Fargo failed to return my phone calls.

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 03-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AZ).
Issue: Settlement process and costs

Complaint: I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court.

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 10/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Have called XXXX countless times to attempt to fix their incorrect calculation of my PSLF payments. In addition to a bogus counting system and inconsistencies they also have miscalculated my paperwork several times when competing my annual renewal and failed to correctly add my wifes payment/info. Due to their wrong calculation I made over payments for months until I found. It and forced them to have upper management look at it and recalculate without a sorry or reimbursmemt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: the following account does not belong to me its was opened with out my authorization, i have already called the creditor but they have not fixed this issue yet, i have also disputed this to the credit bureaus, and they have denied my request in this case is ( equifax only ), please find attached the FTC report filed ( police report ) and the request ( hence attached ). 
please have this fraudulent account removed from my credit report thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.

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 09/25/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LVNV is reporting a collection for {$3700.00} for a XXXX ( orig creditor ). 
I never had an account with XXXX for that amount of money. In 2014 LVNV attempted to take me to court. I hired an attorney to assist. Attorney requested validation and they withdrew their case without prejudice. The SOL on this alleged debt has been well exceeded. I have over the last several month via certified mail with signature confirmations I have requested validation from them to get this removed from my reporting but I have been unsuccessful. They have never replied to my requests but they continue to report this past due balance. I have not received any mailings at all from them. Please help me. I need to refinance my mortgage and this is clearly a problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Mortgage (Other mortgage) with Seterus, Inc. (MT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it

Company response to consumer: Closed with explanation