milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I sold a car, a XXXX XXXX, several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around XXXX or XXXX, XXXX, in XXXX, VA. I sold it in XXXX, XXXX, in XXXX, TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in XXXX, XXXX. I respectfully request your assistance in having that XXXX Loan acct taken off my records.

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 11/19/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Trouble during payment process

Complaint: Back in XX/XX/XXXX, Chase notified us that our escrow account was about {$2300.00} short and that they were going to spread this amount out over a period of months raising our monthly payment by about {$30.00} per month. I contacted them and asked for an explanation, and the information I got from them did not explain this sudden shortage. I then reviewed the tax bills and homeowner 's insurance costs for the last two or three years and the amounts that we were billed by the tax authority and XXXX XXXX appeared to match the amounts that was being deducted from our mortgage payment each month. This past year the taxes and homeowners insurance were totaled about {$130.00} more than the 12 months of escrow deductions. The deductions were not all the same, but most of them were in the vicinity of {$850.00} out of {$2900.00} monthly payment. 
I would just like a plausible explanation for this shortage. Our X/XX/2017 statement says {$980.00} was paid to escrow. If that amount was paid for 12 months, that would exceed the annual taxes and homeowners insurance by almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (MN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: First National Collection Bureau sent me numerous letters on behalf of the original debtor and a settlement offer which I accepted and PAID IN FULL XXXX weeks ago. I requested a letter of clearance be sent me and I was assured it would be sent in the postal service. I never received the letter. 
XXXX weeks later, I requested the letter of clearance be sent via email and was assured it would be within XXXX hours. It was NOT. 
I called XXXX today, XXXX/XXXX/2015 requesting it and was told it would be later today. It was end of business today when I called. 
NO SUCH EMAIL CAME! 
I am doubting whether the company even applied the payment to clear my debt or whether they are even legitimate. 
I WANT THIS LETTER because it is listed on my credit report and I requested that XXXX XXXX and XXXX remove it after it was paid. It is still in my credit reports. 
I do NOT have the letter of clearance to provide the credit bureaus and it is affecting my credit score negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I go t a Target card wh en I went  XXXX  Friday shoppin g 2016. The gu y at the store must have taken the address off of my license and did n't ask me if it was correct. It was very busy that evening. I noticed I had not received a bill so I called them to take care of it. They sent my card to my soon to b e ex husbands address, which is my old address. He did n't tell me and Target did n't either. I did not have any messages on my phone. When I called to resolve the issue with Target they would not help me they just blamed me for giving the wrong address when I was never asked. I paid the bill that was originally owed based on my receipt. I sent them a letter stating the problem and they keep sending me bills regardless of me telling them I will report them for not even doing a thing to help me. I have NEVER had any complaints about 1 company like this in the past. I just want the Target card cleared and close d. I do n't know that I will shop there again based on this experience. I will tell others of this experience. I think it 's bad customer service because as soon as I realized it I tracked the bill down and payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone 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 03-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Received phone call at my place of employment from collector, I requested that they no longer call me at my place of employment and they have continued to do so. They have also threatened legal action regarding my debt and initially refused to provide verification of the debt by mail. They have called repeatedly, sometimes as many as two or three times in a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Wells Fargo closed my son 's account, who is a minor without warning or explanation.

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for citi credit card. I was offered a XXXX XXXX XXXX balance transfer option, which I utilized. However, they are charging me XXXX XXXX XXXX on new purchases, even if I pay my new purchase balances 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 04-06-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Shopping for a loan or lease

Complaint: I purchased a 2015 XXXX XXXX ( new ) approximately 1 year ago. Chase Auto Finance financed the vehicle for approximately {$29000.00}. The purchase of the vehicle was approximately {$19000.00}. I had a trade in that caused the total financing for a 2015 XXXX XXXX to approximately {$29000.00}. I pay approximately {$650.00} monthly. I have not been past due by 30 days but I do make my payments late because of the extraordinary monthly payment. Chase Auto Finance continues to call me on a monthly bases and tell me when am I going to bring my account up to date. I explained to the Chase Representatives of the situation and they refuse to help. They wont refinance or in good faith negotiate on the principle of the account. I am tired of the continuous phone calls and the unprofessionalism and unwilling to help in anyway. I am making my payments NEVER past 30 days late and since they are unwilling to help I do n't want them to contact me again. I 'M MAKING MY PAYMENTS SO LEAVE ME ALONE. I 'm so underwater on my vehicle that since Chase is unwilling to help I attempted to refinance with both my Credit Unions and the said no because I am approximately {$14000.00} underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC, who I have written to and phone refuses to send me a receipt showing that my XXXX 2015 Mortgage Payment and Escrow Shortage have beenpaid in full. I paid both of these in " Advance '' XXXX XXXX. They still till me that my next payment will be higher in XXXX. I asked them adjust the payment to reflect and they have not done so. My first contact was on XXXX XXXX 2015, at which time the Agent # XXXX said they needed to collect a higher payment. I have cooperated and done everything they asked of me. I requested a Loan Analysis which I received. They refuse to send me a receipt saying it is not possible to do so. I did not receive notice that I had a Mortgage Shortage until they raised my payment. Also they sent me a Escrow Shortage Coupon after the payment had been sent. Even though they gave me a verbal, not a written that they received the payments, they still require me to send in a coupon. I sent today and once again asked them in writing on their coupon to make the requested adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: My name is XXXX XXXX and I tried to find out if my personal information was part of the Equifax data leak. I went to the Equifax website to find out if I had been part of the leak, and I never received an email or any notice that I was part of the data leak. I attempted to call their service number today because it turned out I may have been enrolled in identity fraud protection I neither want nor need. This phone call took place on XXXX XXXX, 2017 at about XXXX XXXX. and I spoke with their operator XXXX. XXXX informed me she was unable to help me and to call another customer service number. When I tried that number the line was disconnected. I 'm really sick and tired of not being able to access my credit report, and I 'm really tired of not knowing if this is the 13th time in my life I 'm going to have to deal with identity fraud. I wish I could sue, but I do n't even know if I 've waived that right by being accidentally enrolled in a service I do n't want. It 'd be nice if someone for once in my life would advocate for me. My XXXX lawmakers wo n't do it, my state lawmakers wo n't do it, so who will? I am not earning the same income I once was and I really, really need to know if my credit is affected by this. I have no savings and I really need to know.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XX/XX/XXXX, I applied to FedLoan for an income driven repayment plan, and was put on one. I made XXXX payments, and then my plan was canceled. I do n't know why it was canceled abruptly. FedLoan placed me on a standard repayment plan, and I am unable to make those high payments. I contacted them through their website and explained that I was on an IDR and to please send me the application so I can get back on one so I can make payments. I never received a response to that request, or to the following XXXX requests for an application and my statement to them that I work part-time and can not make those payments. They have harassed me every month for payment. 
XX/XX/XXXX, they billed me for over {$1300.00}. On XX/XX/XXXX, I called and talked to someone who emailed me the IDR form which I completed and promptly mailed to them. I received an email on XX/XX/XXXX acknowledging receipt of my application for an IDR. On XX/XX/XXXX, I received four letters from FedLoan in my paperless inbox in their website that make my head spin. One says that I requested to be removed from my IDR and put on a standard repayment plan. I did not make this request. Another says they put me on an administrative forbearance. Another letter says that my IDR will start in XX/XX/XXXX and my monthly payments for the next year will be {$11.00} which I can make. However, they are dunning me for payments under the standard repayment plan that I did not request! Why would I request that repayment plan if I ca n't make the payments? I have the application where I requested an IDR, and the letter I sent with it asking them to please place me back on an IDR so I can make monthly payments. 
Please help me as they are jacking me around so much! My payment is almost two months overdue, and they are calling and sending emails constantly wanting {$600.00} and change, and now they want over {$1300.00} again. All I have ever requested from this company is an IDR with the lowest repayment amount so I can make payments. 
I have all the documents and screenshots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have opened an account in XX/XX/XXXX acting on solicitation from the BMO Harris bank promising {$200.00} opening bonus. The account was opened in the XXXX XXXX, IL branch and when I was asked by the banker for my profession I declared to be self-employed and getting paid by assignments ( copy writing, translation ) etc. 
Subsequently I have received two direct deposits ( XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX with another one coming this week ) and when I again inquired at the branch I was told that the qualifications were met and the opening bonus will post in XX/XX/XXXX. Last week I called and I was told by BMO Harris employee that the bonus will not be paid since the direct deposit were not payroll or other govt benefits. 
Questions : 1 ) since I am self-employed and getting paid on assignment base why was the mailing directed at me since I wouldn't have qualified, according to BMO 's own opinion on the offer? 
2 ) why the employee at the branch have accepted the offer and reiterated its validity to my situation and why was I informed that the bonus will be paid in XX/XX/XXXX? 

It is apparent that despite meeting the monetary threshold of the direct deposit ( {$300.00} ) the bank doesn't want to honor its own offer suggesting that my deposit wouldn't qualify anyway. It is not only a circular logic argument but it is deceptive with intention to deceive.

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 12/28/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (OH).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car. 

XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed. 

During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line. 
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page. 

On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines. 

On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off. 

Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum

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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Personal information was stolen back in early XX/XX/2016and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 06/30/2015 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: On or around XXXX/XXXX/15, I receive a loan from Castle Payday ( XXXX ) in the amount of {$500.00}. I was informed that if I paid this loan off by XXXX, my total amount to pay off would be {$670.00}, to which I agreed. On XXXX, I called to ensure that the loan plus interest would be paid off in full ( {$500.00} + XXXX ). When I called, the rep informed me that the systems were down and he would call me back to complete the transaction. I did n't receive a callback so I assumed that everything was taken care of. 

On XXXX, I noticed that only {$170.00} was taken out of my account so I called to find out what happened. They informed me that the rep tried calling me back, but he could not get a hold of me. I do not have any missed calls of any sort of Castle Payday trying to call me back. At any rate, she stated that {$500.00} would immediately be taken from my account so that no further interest would be charged and my account would be paid in full. 

To my surprise, when I check my account the very next day I see {$670.00} was taken out. I call Castle Payday and they informed me that a manager would be calling me back to confirm that I would be credited back {$170.00}. 

Which brings us to today ... I called my bank to dispute this and after being on the phone with my bank and Castle Payday, the bank agreed to charge back {$170.00} to Castle Payday, which of course is pending, and totally agreed that charging {$350.00} on a {$500.00} loan that was paid off in less than a month is BEYOND predatory!

Company response to consumer: Closed with explanation