milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I XXXX XXXX, am writing this letter today in reference to my Experian credit report. After reviewing my credit report, I noticed Experian still Chose to continue to report XXXX XXXX XXXX as a negative remark on my report. I disputed this item on XX/XX/XXXX and today XX/XX/XXXX, I received my results as UPDATED. I contacted XXXX XXXX and was told that that no longer have the acct. XXXX [ customer service rep ] informed me of a different number to contact with no further response. I contact Experian back and spoke with XXXX, he stated that it was sold to another Lender.
Because this account was included in my bankruptcy on XX/XX/XXXX, I would like for this account to be removed from my Experian credit report. It has already been removed from XXXX and XXXX credit files. I need this item removed because it is hindering my process to prove that I am credit worthy. 

PLEASE REMOVE IMMEDIATELY and THANK YOU in ADVANCE 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 01/29/2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Deposit to savings account was unauthorized can you provide me image of check also proof of payment or proof of receipt deposit date XX/XX/2017 account # ending in XXXX and check # XXXX amount {$20000.00}. ( item # 2 in document submited ) item # 1 deposited through your atm on the same day for the same amount. 
account # ending XXXX check # XXXX amount {$20000.00} i do have the image for that item i am requesting the image for the counter deposit for XXXX on XX/XX/2017. 
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 10/20/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MO).
Issue: Problems when you are unable to pay

Complaint: I am a victim of deceptive advertising on a " care credit card '' for dental for my daughter. I read the pamphlet as well as my husband did. We applied for it with my sister as a co-sighner ... I have paid on this credit card for years ( approx. 9 ) years I borrowed approx. XXXX. I paid on this card a min. payment just to find out I had to pay by a CERTAIN TIME!!!. They added XXXX to my balance ... years later my balance is still XXXX dollars. I certainly would not have gotten this loan knowing what I know now.!!!! Please help me I want this loan gone I have paid for the XXXX 3 times over im done ... I feel so cheated. who do I go to. I was going to contact a lawyer not sure. 

XXXX XXXX ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my 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 non-monetary relief
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.

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 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX didnt provide me with the agreed upon paper or electronic statement for two months. No paper statements ever got to me and then gave me a call on XXXX for the XXXX time. They explained I had a late payment for a bill of about {$12.00}. I explained back I never got a notice or any reminder of that in any possible way other than promotional emails and routine emails. I was promised that if I pay on the phone entire amount plus XXXX month ( not XXXX months! ) of late fees, there will be no problem with credit reporting or anything else. I paid all in full as agreed upon on this first call I got form XXXX. Same day I saw to my surprise and against all that was explained to me on the phone that my account was reported delinquent by XXXX. I called back several times to talk to the XXXX but they didnt want to help or explain why the reporting happened after my account was fully paid. In addition, they only send me a notice to dispute the status of the account only after it was in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Advertising and marketing

Complaint: Today Wells Fargo closed my credit card account. I found out when logging into my online account. No prior notification was provided. 

I made several calls to Wells Fargo on the matter. Phone agents disclosed the following reasons for account closure:XXXX Unsatisfactory relationship on a Wells Fargo checking account. This account was closed following a CFPB complaint on their payment posting process, disclosures and timeline. 
XXXX. Agents indicated Wells Fargo Risk sent a letter in early XXXX that I failed to respond to. I received no such letter and Wells Fargo Fraud agents later confirmed none was sent. 
XXXX. Cardholder abuse. 

This credit card has a marketed rewards offer of 5 % cash back unlimited for the XXXX six month. I have used this credit card to maximize this offer and suspect this is the core reason for the closure as noted in my account. 

I am fully compliant with the terms and conditions of the cardholder agreement. 

This is a clear case of Wells Fargo baiting and switching their marketing offers. 

I will further follow up with the Attorney General 's office and the Federal Trade Commission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (I do not know) with CrossCheck, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Problem : This company has been transfered a debt from XXXX XXXX XXXX who was unable to provide strict proof of contract as requested. Since the could not provide strict proof of contract, they transfered the debt to this company, who also cant provide strict proof of contract because the company before them were unable to. This company XXXX XXXX XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX Inc, and XXXX XXXX have not provided any documentation the establishes that i entered into a contractual agreement with any of them. None of them have provided strict proof of contract to substantiate there claim. This company is in violation of the PA XXXX rules of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: AS WRITTEN ON ATTACHED COPY I SENT IN 2 SETS OF DOCUMENTS WITH DRIVER 'S LICENSE, SOCIAL SECURITY CARD ECT. BUT THE ONLY THING I GET BACK IS THE DOCUMENT I HAVE ATTACHED. I 'VE CALLED 3 TIMES AND KEEP GETTING HUNG UP ON. AND YES I THINK THIS IS A TAYLORED EXTORTION TO MOTIVATE ME TO PAY MONEY FOR THE REPORT AND XXXX SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hi, My Name is XXXX XXXX. I am having problems with XXXX XXXX of XXXX, Ga filing incorrect information on my credit. I took out a loan with XXXX XXXX years ago and paid half the loan before being forced to file bankruptcy in 2006. XXXX XXXX reported incorrect amounts to my bankruptcy lawyers saying that I still owed the total amount borrowed instead of half. My bankruptcy lawyer cleared the mistake up. Since filing bankruptcy and also being discharged XXXX XXXX has continued to file against my credit as if I had never filed bankruptcy and as if I totally defaulted on all my payments. I personally stopped by XXXX XXXX in XXXX and spoke with the owner. He was horribly rude to me. I told him that he was still filing defaults on my credit despite the fact I filed bankruptcy. He said, " Oh Well! '' I said sir, " I will take this to court if you dont stop! '' He said, " See you there! '' It has now been over ten years and this man is still filing negative reports on my credit. He has totally ruined my credit score and is causing me to have to pay a higher interest on my car loan. I have had to personally hire XXXX XXXX XXXX services to assist me in disputing these false defaults of payment. XXXX is currently working towards this and they had a credit advisor call me today. The advisor said that not only should XXXX XXXX not be making these reports due to bankruptcy but it is unlawful for them to even be reporting on this any longer due to the length of time it has been. XXXX directed me to your sight and advised that I file a complaint on this matter and if the problem persists that I seek legal help. Thanks for your time and looking into this matter for me. 

Sincerely, 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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient charged me interest in the 12 months I was on military XXXX, when it CLEARLY states on their website the following : 0 % Interest / Military No-Interest Accrual Benefit You may be eligible for the Military No-Interest Accrual ( MNIA ) benefit while you are XXXX that qualifies you for special pay under 37 U.S.C. 310 ( " XXXX XXXX XXXX '' ). During MNIA XXXX XXXX, you 're eligible for 0 % interest on your Direct Loans for up to 60 months. 

This benefit is only available for Direct Loans, disbursed on or after XX/XX/2008. For Direct Consolidation Loans, this benefit applies to the portion of the consolidation loan that repaid loans first disbursed on or after XX/XX/2008. 

They also ignored any attempt I made to put my loans in deferment due to financial income purposes when I was struggling to find a job.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: CHASE has had several attorneys contact me looking for resolution to their mtg errors in response to XXXX different CFPB complaints. They have continually closed your complaints starting process with me only to stop resolution XXXX in what appears to be deliberate delay in resolving their accounting errors on my former mtg with them. XXXX I have been told CHASE needs more time to investigate and now it is over 1.5 yrs LATER! I ask how much time should it take a major corporation to have their documents in order??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Payday loan () with Big Picture Loans, LLC (MA).
Issue: Received a loan I didn't apply for

Complaint: I keep getting phone calls and mailings from Big Picture Loans stating that I am pre approved for a loan with them and that they obtained my credit information from XXXX of the major credit reporting agencies. Big Picture Loans interest rates are 700 % or higher ( according to their website ) which is illegal in the XXXX Massachusetts, they will not stop calling me and mailing me offers even though I have requested for them to stop. On my most recent call to them they claimed that they are legal to offer loans in Massachusetts and when I asked what the interest rates are on their loans the representative stated that " I ca n't tell you what the rate is until the loan application is submitted and you agree to take the loan, '' this is a violation of the Truth in Lending Act ( TILA ) due to the inability to know what the rate is before accepting the loan. I have a credit freeze on all of my credit reports and I have also opted out of receiving prescreened offers for credit. Big Picture Loans refuses to tell me what credit agency they obtain their information from so that I may deal directly with that agency to determine why my information is being provided to any third party without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay all of my taxes and insurance through my US Bank Mortgage. I received notification from XXXX Country that my supplemental tax bill was delinquent. I called US Bank Mortgage to inquire about why it was delinquent. They said their tax team would investigate and they would pay for the delinquency charges. 

Two weeks later they sent me a letter saying I had to pay those supplemental taxes myself and that they had no way to know about those supplemental taxes. This is not true. They could done their due diligence and gone on the county website to find the taxes due on my home before dispersing any payment. They chose not to do this. 

When I received the letter ( XX/XX/2017 ) I called them again to reiterate my previous conversation with a Rep, XXXX, who said they would pay for the delinquency. I also called to ensure they would pay the amount due, minus the delinquency, from my escrow account. They said they would review my conversation with XXXX and get back to me with a resolution within 24-48 hours. They also stated that I needed to write a letter to have the supplemental taxes paid from my escrow account. I then wrote this letter while I waited for my account to be reviewed. In the letter, I very specifically stated that I do only authorized the payment of the base amount to come from my escrow account and not the delinquency amount. They completely disregarded my instruction and paid the delinquency from my escrow account along with the base amount. 

They also said they sent a letter when they first bought my mortgage in XX/XX/XXXX that stated I was responsible for supplemental taxes. I NEVER RECEIVED THIS LETTER! 

A week later ( XX/XX/2017 ) I still had not heard back about the call review. I called to inquire. They said they reviewed the call and that they still will not pay the delinquency and refused to give me access to the recorded call without an affidavit from a lawyer. 

Every rep at US Bank has been very difficult to deal with and no information is consistent from rep to rep. US Bank Mortgage is responsible for paying the taxes on my property as I make monthly payments into my escrow account for this purpose. Yet, they will not take responsibility for my property taxes and making sure they are paid on time. They also will not honor the words of their representatives nor do they look out for the best interest of the mortgage. They do everything they can to reduce their responsibility and put responsibility back on the customer. I am very dissatisfied with their business practices and believe them to be unlawful.

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 04/22/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (FL).
Issue: Settlement process and costs

Complaint: This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: A man called USAA Banking services pretending to be me. He did n't not know my user name, my USAA number or my phone password yet USAA " validated '' his identity by asking questions about my credit card, information he obviously already possessed. Once " validated '', USAA allowed him, over the phone, to change my on-line password, on-line pin, on-line security questions and my debit card ATM pin. To make matters worse, USAA " reminded '' him of my USAA number which now allowed him access to my on-line account and this allowed him to transfer {$4900.00} from my savings to my checking. To add insult to injury, USAA approved him to withdraw {$4500.00} in cash from an ATM machine ( he withdrew XXXX {$500.00} withdrawals ). The negligence involved here is criminal! USAA has no concept of security. As soon as this person did n't know my phone password he should have been hung up on!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief