milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Real Time Resolutions, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this lette from real time acquisitions LLC, real time resolutions stating I owe {$530.00} and I 'm not certain of where this loan comes from I tried contacting them and no results their number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Checking or savings account (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account with First Tennessee Bank on XXXX17 with a deposit of {$300.00} and had my first direct deposit on XXXX/17. It has been over the six week mark since I met the requirements to receive the stated {$250.00} bonus. Would you please see to this matter? <P/>I have contacted First Tennessee Bank via email about this situation, but did not recieve a response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with State Collection Service, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I called to have this account disputed but the company is not showing anything under my social. I asked why it would be showing under my social in my credit report but they did not have an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransUnion report wrong info about my annual salary.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.

Company response to consumer: Closed
Consumer complaint received 11-07-2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: Before 2011, I had several rewards credit cards from JP Morgan Chase. I used these cards for my daily expense activities. I paid balance for every card in full every month. There is no abnormal activities on the cards. One day, Chase suddenly closed all my credit cards without notification. I called several times to ask about the reason of card closure but no one give me a reason. Written notice also give no reason about it. Since then, I am banned to apply for Chase credit cards any more. I tried a couple of times but always got denied due to the reason of " unsatisfactory relationship with Chase ''. I always have a good-excellent credit history. Right now, I am living in a state which Chase is the most popular bank there. It will be very inconvenient to not have a chase bank cards and accounts. I am expecting Chase to remove me from their " Blacklist '' and evaluate my application based on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not agree with XXXX Chase accounts listed on my personal credit file. I prior put a complaint against this agency due to fraud our office and just because there was signed checks this agency stated they were validated. I would like to request again verification of last activity a payment was made and also copies of initial contracts verifying these accounts were personally guaranteed as I do not agree. This is now the second time requested and I have the right to request and receive. 
Chase # XXXXChase # XXXXChase # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is listed on my credit report as a collection account. They claim I owe money to XXXX XXXX. That is not true. I have not lived in XXXX XXXX for almost a year. When I did live there, I always paid my rent on time. I stayed through the term of my lease, and I gave several months notice that I was moving when my lease was up. They never refunded my security deposit, and I do not owe them any money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is at it again! Since my last complaint I just filed a short time ago they have now posted a totally false collection from some company I 've never heard of before! 
XXXX XXXX {$1000.00} {$0.00} XXXX account reported on XX/XX/2017 XXXX accounts reported on XX/XX/2017 Open Account # XXXX {$1000.00} Balance XXXX XXXX MIXED CC Original Creditor {$1000.00} High Balance XX/XX/2017 Opened Date XX/XX/2017 Last Reported Individual Responsibility Placed for collection Remarks Note This is fake! I feel TransUnion is deliberately trying to ruin my credit! They should be put out of business! This whole situation with TransUnion is getting very old.

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 reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. I have disputed XXXX XXXX fraudulent account with Experian several times providing police reports and affidavits. I have contacted XXXX XXXX and provided them with the same information. XXXX XXXX agreed to have the account deleted from my report.Other XXXX bureaus deleted the account from my report immediately. Experian keeps verifying fraudulent information and refusing to correct my report. Experian is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my 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 non-monetary relief
Consumer complaint received 10-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (AL).
Issue: Fraud or scam

Complaint: I received a text message from XXXX with the following text : Alert- ( my phone number ) from WellsFargo-Bank : Your Debit-Card is temporary Locked. Please call us now at XXXX. Thank you for your time Obviously, this is a scam. I did n't try calling them, but hopefully you guys can help in shutting them down. I 'm not sure whom else I should contact if this happens again. 

Thank you, XXXX 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 09/19/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I believe I have been charged in some cases for estimates, or estimates for future services. There are also excessive fees have been, and continue to be charged to my account, such as property inspection fee, charged when no services have been performed, or charged less than 45 days apart, when property inspection reports, home is occupied and in good shape. 

Please accept this letter under RESPA and/or TILA. 

Please provide the following information regarding the above referenced loan : Please provide a complete, itemized list of fees, charged to my account, with dates of services performed. I also need all invoices, for fees paid, for services performed, and fees owed. Please specify if any fees are estimates, or estimates for future services. Please fix and adjust all errors, on my account. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have paid my Wells Fargo house payments for my home equity loan by online bill pay for many years, doing it manually, with no problems. Beginning in XXXX, my payments of {$1300.00} were not reflected on my next statement. This happened for four consecutive months, XXXX, XXXX, XXXX, and XXXX of XXXX, with a total of {$5500.00} missing. After speaking with them by phone, I faxed copies of each online payment transaction with transaction number, and my WF account number written on each. I delayed making a XXXX payment until they could track down the payments. 
Their response was to completely ignore my proof of payments, sending instead a XXXX page packet telling me how they could help me catch up on payments. Included in that was an application for mortgage assistance. No mention was made of my fax or the proof of payment. 
Wells Fargo advanced me money against the amount of escrow in my house to help pay the taxes on my house for two years. Illness and the recession had decimated me financially. I had originally asked for an escrow account, but was told it was not possible with that type of loan. After the difficulties with the taxes, they started an escrow account, which nearly doubled my payments ; I was ok with this. However, they wanted XXXX retroactive payments, each {$1300.00} ( approx ). I was able to scrape together XXXX, but not a second XXXX. After several phone calls, I was finally connected with a woman who worked with me on the phone for nearly an hour ( XXXX XXXX, XXXX ). Going back and forth for okays, a plan was implemented for the remaining amount ( {$1300.00} ) to be paid over a 48-month period, as part of my monthly payment. It went exactly as planned, until the end of XXXX, the first quarter. Their computer kicked out the agreement, and I was told they had no record of it. That has been an ongoing issue. 
Adding to this problem is the policy WF has concerning signed contracts - once signed, you are never allowed to talk to anyone face to face about any problems. You can not go to their mortgage finance building and speak to anyone. All must be done by phone. In the past XXXX six years, I have been given fake names and phone numbers, which means that I have never been able to talk to the same person twice. I 've been told they have no record of a call made, or a decision made. 
I am making XXXX last attempt to make a payment at WF Mortgage for XXXX and XXXX, by checks, and get a receipt. Online bill payment obviously is n't to be trusted, and I certainly do n't trust them to give them a credit card number on the phone or mail a check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Forbearance / Workout plans

Complaint: CITIBANK FAILED TO ADEQUATELY RESPOND TO MY COMPLAINT AND REQUEST FOR ASSISTANCE AND RELIEF FROM CANCELLATION OF MY " HARDSHIP PROGRAM '' WITH THEM. 

I WANT TO RESCIND THE " HARDSHIP PROGRAM '' AGREEMENT BASED ON FRAUD, MISREPRESENTATION, AND DAMAGE FOR USORY AND UNFAIR BILLING PRACTICES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: X/X/2017 I believe that my Equifax data has been compromised by a data breach and that my identity and credit has been compromised. I have used the Equifax system to determine that my information is part of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: 2 years ago I went to M & T bank to open a Bank deposit box -- I was told at that time I had to open a checking account to have the box. I disputed it but they insisted- we signed the basic paper work and since I need the box to store valuables belonging to my son while he was in XXXX I agreed. I started to wonder why I was getting charges greater than the cost of the XXXX XXXX XXXX When I accumulated the records I took it to the office and they told me it was a combination of insurance fees and late penalties-even though I paid for the box usually XXXX4 months in advance at the $ XXXX cost. I told them I never buy insurance but they insisted I did- I requested they show me the documents- they said they did n't have them and stalled so I reported it to the state XXXX office- all of a sudden they produced a document that had my initials stating I agreed to the insurance. I did n't but it was XXXX of those just initial here and here and here- and I did n't read the documents so I blamed myself for not being more careful, but I said I should n't have been charge late fees because the took the insurance payment out of my checking account and then my payment was short about XXXX or XXXX dollars causing what I assessed at approx. XXXX {$90.00} over all. I requested a refund and forwarded it to the XXXX 's office -- the bank eventually sent me a letter reiterating the information I already had-and basically said- this was the reply, have a nice day- notify our customer service dept if you have any issues. I replied that the initial complaint was to the customer service dept and that the letter was inadequate because all it did was state I had a box and resolved the insurance issue. However they did n't address the fact that I was lied to about having to have a credit account and that there were any late fees- No fee information was given to this date. I responded to the Banking industry and XXXX office again- but to date nothing and I believe they just logged it away. I am located in XXXX- the bank has its main office in XXXX so XXXX would do nothing- and XXXX just placated me with a 'have a nice day '' letter- Never did they address the failure to inform issue or the fees that I requested to be refunded. So unresolved issues are Denial of failure to disclose- unpublished fees for late payments- what constitutes a late payment and confirmation information of insurance that I had no idea I had, plus the fees that were charged that were never reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Transaction issue

Complaint: I applied payment on line to wrong account. Could not transfer payment to correct account. Called four times and was told they would correct it. It was never corrected.

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I had fraudulent activity on my discover card. They told me that everything is taken care of and I may or may not receive a letter in the mail. Then without my knowledge they removed my bank from making automatic payments to my credit card. No notifications or statements were sent to my address. They never notified me via email or phone that when there is fraud on your account they remove all your payment information and ways they notify you of payments that need to be made on your account. This ended up leading to a 30 day late payment on my credit report. I had the funds on my bank account but they never charged it because they said after fraud they removed my automatic payments without my consent. Now I 'm stuck with a bad credit score because the financial company failed to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This is more involved than just my credit score. When we started shopping for a mortgage in the summer of XXXX, we ultimately chose XXXX Mortgage, which was recommended by our realtor. Shelter initially said they could give us a XXXX XXXX at a fixed rate for 10 % down on our $ XXXX purchase. Other companies could n't offer that so we went with XXXX. When it came down to crunch time, we learned that XXXX could no longer offer us that product because our credit score was XXXX, instead of the required XXXX. We also learned that we then needed 15 % down. By that time, it was too late to change companies. So we were told that we needed to have XXXX mortgages- initially both were to be fixed rate. We sought the secondary mortgage from the Bank XXXX XXXX Georgia. At the last minute, we were told that my credit score dropped to around XXXX. Now, we certainly did n't open new lines of credit or make an large purchases as we were anticipating getting our mortgage. It seems as though a " serious delinquency '' from over 5 years ago ( which was disputed and resolved ) re-appeared on my Equifax credit report. I called Equifax and disputed this report again, but it would take XXXX days to be corrected. In the rush to finish our mortgage before we lost the house XXXX our " drop dead '' date was fast approaching ), we had to accept a second mortgage at an adjustable rate. Because of all the errors along the way, we ended up with a larger monthly payment than anticipated. We have also estimated that we will pay an additional XXXX over the 30-year lives of our loans due to these errors. In a high-pressure situation as first-time homebuyers, we were in a vulnerable position and were at the mercy of professionals who we feel wronged us.

Company response to consumer: Closed with explanation