milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX XXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted Experian to resolve this over the phone after the collections agency sent me a letter confirming the deletion. Experian said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. Experian 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. Experian wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of emotional distress.

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 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this, where it is at the point that I am unable to get my own credit report due to their clerical incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with LEXISNEXIS (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am filing a complaint because I have requested a full file disclosure from lexis nexis on several occasions and they have ignored my request. I continue too be denied credit every time that they pull my lexis nexis report. I need a full file with all the information or notes that have been placed on my lexis nexis file. I was also told that i have a fraud alert on my lexis nexis file and i have not requested this alert on my lexis nexis and it continues to hinder me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They did n't file my insurance company and sent me a bill

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Comments Complaint of Wrongful and illegal Foreclosure I XXXX XXXX need your help, in finalizing my loan modification that 's has been approved by bank of America Home Loans ; however the Bank of American attorney has repeatedly tried to sell my property out from under me through Sheriff Sale Auction even though I was approved for modification on or around XXXX/XXXX/2016. 
I'am concerned that the judge and magistrate in the XXXX XXXX XXXX XXXX Court Case # XXXX is showing favoritism towards the attorneys for bank of America and continuously have not answered or addressed any of my motions which I have attached to this cover letter. I am currently still working with my relationship manager at bank of America XXXX XXXX to get this matter resolved but she seems to go back and forth concerning the approval of my loan medications My Relationship said she spoke with the bank of America attorney to hault the sale but she stated the attorney moved forward anyway. 

I XXXX XXXX really need your help and assistance to keep and redeem my property from for closer, please see my motions I filed with the court attached to support my case. Thankyou for your consideration in this important matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX Ph XXXX 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 11/24/2016 about Other financial service (Check cashing) with First Data Corporation (MO).
Issue: Customer service/Customer relations

Complaint: Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct 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 monetary relief
Consumer complaint received 10/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer  contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 09-06-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Tried on multiple occasions to contact company to verify charge-off balance. 
On XXXX XXXX, XXXX mailed first certified letter to verify account and account balance, no reply from company. On XXXX XXXX, XXXX XXXX certified letter mailed to company, still no reply from the company this letter was in regards to a XXXX XXXX XXXX. Yesterday, called spoke with customer service department and was instructed by agent someone would contact me by the close of business on Thursday, XXXX XXXX, XXXX. No one has called. I am asking that this be removed from all of my credit reports, due to the fact this company can not return answers from either mail or phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with Resurgence Legal Group, PC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a letter in the mail that looks like a court document ( this is illegal in CA and most states ). I called and they stated they have a judgments against me from 2009, I never went to court for anything, never received any proof of service. I completely do n't understand this debt. They are also stating they are attorneys trying to collect on a debt from 2009. Statue of limitations in CA is 4 years. The letter is from Resurgence Legal Group. Attorney XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private student loan account has recently gone into collections and I 've been set up on automatic withdrawals with XXXX of {$100.00} each month. Recently I 've had double payments withdrawn from my account over the period of three months. I called and it took several weeks to get this issue resolved and I did receive a refund of {$200.00} but now the issue has happened again. I spoke with XXXX at Navient Customer Advocate who helped to resolve the issue and assured that the double payment was a glitch and would n't happened again. Well it happened again this morning and I really need this resolved because it 's definitely against the {$100.00} agreement that I have with XXXX. I need this resolved and a refund immediately of my {$100.00}. If you can help please do, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Late fee

Complaint: Chase continuously charges a late fee on its Freedom VISA card ( Acct # XXXX ), despite the fact that bills are paid directly from a Chase checking account and are suppose to be credited the same day. It was due on XXXX XXXX and was paid electronically on XXXX XXXX. Yet XXXX XXXX was still charged a {$25.00} late fee, as he has been many times previously because of the deceptive, unfair and abusive practices of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: I 've had a bank of america credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say " balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.

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 07-06-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview Loan Servicing would send me a voluminous amount of letters stating that Bayview would like to help me avoid Foreclosure ; With options such as a Repayment Plan, Short Sale, Modifications and/or Deed-In-Lieu of Foreclosure. My home has an accepted purchase contract of {$530000.00} and is currently in escrow. The current total unpaid principal balance is approximately {$470000.00}. But with the late fees and other charges to Bayview Loan Servicing, the total payoff amount is about {$500000.00}. To make a long story short, because I need to pay fees and closing costs ( escrow fees, title insurance, real estate agent fees, HOA documents, transfer fees, government recording fees, termite repairs, etc., ) associated with selling a house ; I requested Bayview to waive about {$4000.00} from the {$500000.00} Pay Off Amount so we can close escrow. Bayview said " No. '' So, I asked Bayview if I can do an IOU ( installment agreement ) for the {$4000.00} shortage and I would pay Bayview in installments so that we can close escrow. Again, Bayview 's answer was a " No. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Other transaction issues

Complaint: I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I pulled up my annual credit report and noticed an address and aliases I have never used. I have never lived in Kentucky nor have I ever used an alias.

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 01/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service, Inc (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I served as a guarantor on my former colleague 's apartment rental lease, for some reason my colleague owed the landlord ( XXXX ) a debt of {$220.00}. The landlord sent this debt to a collection agency without noticing me, and the collection agency ( Collection Service International ) reported this debt to the credit bureau without noticing me in advance neither. On XXXX XXXX 2015, I got a debt collection notice from the collection agency, I was told that this debt was reported to the credit bureau at the end of XXXX and had affected my credit history since then. 

I contacted them on XXXX XXXX 2015 and questioned why not notice me before reporting the debt to the credit bureau, they said they are not required to. I was also asking them to provide a written document that shows it 's not required to notice me before reporting to affect my credit history, they refused to do so as well. 

I am not very comfortable to bare the damage on my credit history without knowing what 's going on. No of the three parties ( my former colleague, the landlord or the collection agency ) have noticed me of this debt in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I did a loan modification with XXXX XXXX XXXX. After failing behind in my payments unfortunately, again after the modification, I did a deed in lieu of foreclosure with them. When I did the loan modification I was issued a new account number. The account number relating to the deed in lieu of foreclosure, is marked " paid and closed '' and " pays as agreed ''. My original account with XXXX XXXX XXXX with the original loan I received, ( before the loan Modification ) is marked as a current status of " 120+days past due '', which it should not be marked as such. I am requesting the current status be changed to " paid and closed '' or " pays as agreed '' or " closed ''. Equifax said they contacted XXXX XXXX XXXX and XXXX said that 's how the file should be marked as. Thank you for your assistance.

Company response to consumer: Closed with explanation