milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian sells access to me to see MY OWN credit report. They were charging {$19.00} a month ( a MASSIVE PRICE FOR THIS SERVICE, should be more like a XXXX or XXXX, not XXXX dollars a month ) and when I complained about the price, they lowered it by XXXX %. {$20.00} a month is a LOT of money to pay to access MY information which can and is regularly used against me to scam more money. While on the phone, she said I could get access to all XXXX bureaus for 6 months for {$26.00}. Since I am in process with multiple construction loans, I said yes. Today, I went in to check the XXXX reports and low and behold, they only pulled the report for THAT day and I DO NOT HAVE ACCESS TO ALL XXXX BUREAUS FOR 6 MONTHS. I called and got the same " you have access for 6 months '' razzmatazz lies, but I do n't. I only can read the same report they pulled the first day, available online for 6 months. It is now VERY standard for banking industry to give YEARS of data visibility for free, so their saying that I " have access for 6 months '' is a direct attempt to lie, distort and scam me out of the {$26.00} for XXXX report. I specifically clarified when I called what I would be getting and they clearly have a carefully worded script to scam the public. They are purposefully lying about what they are offering to get people to pay the {$26.00}. They refused a refund because they said I " Have access for 6 months ''. I do NOT have access to the XXXX credit bureaus for 6 months. I only have the report I ran the very first day. They are lying to cheat consumers out of {$26.00} a pop. I can not imagine how much money they are making off of this consumer scam. More XXXX from the banking industry, cheating consumers out of money to get our XXXX credit 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 monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: On XX/XX/XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XX/XX/XXXX - seven months later and according to CFPB Auto loan applications submitted within a 14 - 45 day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " One '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit score. 

XXXX lists XXXX inquires XXXX list XXXX inquires Transunion list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XX/XX/XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took place within a time span ranging from 14 days to 45 days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a 14 day time span. All those inquiries should count as XXXX inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as XXXX separate inquiries. 

And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).

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 10-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: my father recently passed, I contacted Chase, his mortgage holder to advise them of his passing and I wanted to discuss possibly short selling. I offered his death certificate and our estate affidavit so they could discuss his loan with me, I was told not to send that but rather they said they would not discuss anything with me until I signed a PROPERTY TRANSFER RECOGNITION AGREEMENT, which makes me responsible for his debt, they will not discuss anything with me until I agree to assume his debt. I have attached a copy of the XXXX pages they sent me, of note is starting on page XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Starting XX/XX/XXXX, I have been in contact with Equifax regarding a series of fraudulent accounts being opened, or attempted to be opened, in my name. Five of the fraudulent accounts were opened under XXXX XXXX through a series of in-store credit lines such as XXXX or XXXX XXXX. The sixth was from XXXX. 

I requested the removal of one of the accounts and it was deleted on XX/XX/XXXX. The dispute was filed on XX/XX/XXXX. I also requested the removal of another fraudulent account on XX/XX/XXXX. This item was not removed, despite my notification to Equifax that I have not opened any new credit accounts in the past two years. I had also requested a security freeze and fraud alert to be placed on my account, though these were apparently ineffective in stopping further credit accounts from being opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Late fee

Complaint: After ( at least ) over a year of consistent, on time, payments to Citi Cards for my credit card, I was assessed as being two days late on my credit card payment XX/XX/XXXX. I have been charged {$27.00} for a late fee. I requested a waiver of the late fee, which Citi Cards has refused to grant. This seems highly unfair - other companies are willing to waive a late fee in situations where the customer has been consistent in making payments. I would like Citi Cards to waive the fee.

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 09-09-2017 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: Was not notified of investigation status or results

Complaint: I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Money transfers (Domestic (US) money transfer) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Other transaction issues

Complaint: My income tax refund of {$3600.00} was wrongfully direct deposited to a compass bank account acct # ( XXXX ) on XXXX/XXXX/2016. i have opened a investigation with the XXXX Police Department to retrieve my refund but the bank 's corporate security supervisor XXXX XXXX XXXX says the bank can only return {$900.00}. The IRS has been notified and they will send out a letter notifying Compass Bank has to return the full amount but no word yet.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 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: Their investigation did not fix an error on your report

Complaint: Dear Sir/Madam : I would like to request you to do an investigation against the Experian Company, XXXX. XXXX XXXX XXXX, TX, XXXX, US, which has constantly reported my credit score inaccurately, and not paid any due attention to my requests. I had to lose my credit due to its improper and inaccurate reporting of my credit score to XXXX XXXX on XX/XX/XXXX. For example, when I applied for a personal loan to the XXXX XXXX, my loan was denied citing the low credit score XXXX reported by the Experian Company, when my actual score was XXXX as reported by XXXX XXXX ( see the enclosed credit report of the XXXX XXXX  ). Likewise, it reported the even lower score for the XXXX, XXXX XXXX, and others. The company has also failed to correct the inappropriate reporting when I filed a series of disputes against XXXX XXXX Company and XXXX XXXX, which have denied my requests for the disputes. For example, when I disputed with XXXX XXXX Company for the reported amount in XX/XX/XXXX ( XX/XX/XXXX ), they denied my dispute. However, the same company later acknowledged in XX/XX/XXXX ( XX/XX/XXXX ) that there were some undue fees charged to my account ( see the enclosed from XXXX XXXX Company ). 

Thank you, Sincelry, 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 02/21/2017 about Debt collection (Federal student loan) with ConServe (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in 2007. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after 2007. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXXXXXX, 2014 is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, 2014, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 02/14/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Unable to pay

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XX/XX/2017, I received an email from Nelnet stating that I had a payment of {$6500.00} due tomorrow that was scheduled for automatic payment. I logged onto my account online and requested to cancel the autodraft. I called Nelnet customer service to confirm the autodraft and I was assured that it would not likely go through. I also called regarding my income-based repayment application status, assuming it was not approved. I was told I still needed to pay for the {$5.00} fee. I was told I 'd be transfered to XXXX, but was hung up on. After being hung up on, I called again and was advised to call Nelnet the following day to get in touch with the XXXX. 

I called them and they told me that the {$5.00} fee they were expecting from me was actually already paid for. We also discussed the returning of my {$6500.00}. I was told by XXXX that she would send my case to her supervisors along with the phone call with Customer Service for review. Today, I was told that the customer service representative never even discussed getting my debited money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicer lost my cashiers check and is reporting it as 30 days late on my credit report. This was my first payment. I mailed it to my original servicer, XXXX, and it was never applied to my loan. I feel as though I am being the target of predatory servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I attempted to get my free annual Experian credit report on-line and failed due to the obscure security questions that were asked. After failing to get the free report, the system showed that I had received it ; however, I did not receive it.

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 09/29/2017 about Debt collection (Other debt) with ProCollect, Inc (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have contacted pro collect to try to settle/pay debt off owed. they gave me a settlement amount to pay, that is still more than I can afford in a one time payment. I tried to pay a lower amount and they refused to take it saying I do not qualify for payment plan. I accept this, but would still like to pay something so I can begin to lower the debt and they refuse to take any payment other than full amount. they told me that due to the fact I can not pay now they will be pursuing other collection actions. when asking what they were going to do and trying to ask questions they informed me that they did not have to answer my questions. XXXX XXXX has since began calling me to collect and I still can not pay the amount in full since it has been two days.

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 09-12-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've filed disputes with the credit reporting bureaus for items showing on my report from Phoenix Financial. I 've requested verification of the debt from Phoenix Financial as well as the credit reporting bureaus. I 've never received verification from Phoenix Financial, but the credit bureaus have removed the negative items, more than once, through the dispute process, with verification being the reason for dispute. However, this company continues to report again at a later time, and it shows back up on my credit reports. Of course, the credit bureaus have no choice but to reinsert until I dispute again. This collection account does not belong to me. I 've called the original creditor listed on the report, and they were unable to find any information about me having an account with them, which is no surprise since they are so far away from my home that I would not have used their services. I had state health coverage at the time the alleged services occurred, which would 've covered 100 % of the cost of those services. Furthermore, I 've never received a bill from this creditor, and the only thing I 've received from Phoenix Financial is a bill with their account number on it, the name of the original creditor, and a balance owed ( which has changed several times ). I would n't even know what the services were for. I feel this account is either a case fraudulent debt collecting or identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried to get Bank of America to do a removal from my credit report on old mortgage debt that was paid over 6 years ago in a short sale. I have requested several times with no resolve could you please help Im trying to clean up my credit to buy a new house and I believe I deserve another chance. 

Short sale XXXX Amount-XXXX 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 08-06-2016 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Delinquent account

Complaint: Last month I started receiving calls from unknown numbers. They did leave a voicemail to call a number back or log on to citicards.com and they could help me. I XXXX the numbers and there were multiple people suspecting the number of fraud. So I logged on to citicards.com and there were no alerts. I sent a secure message about the calls and they gave me this reply, " Dear XXXX, Thank you for contacting us. We appreciate each and every opportunity to serve you. 

Our records do not show that we have called you regarding your account. 

If you think that the card information is at risk, please call Customer Service immediately. Once your closure request is processed, the current card is closed and a new card number is established. 
XXXX. 
If there is any way we can be of further assistance, please feel free to contact us. 

Sincerely, Account Specialist South Dakota '' So I assumed it was fraud, but the calls continued. I finally was able to answer XXXX and it said that it was a citicards account that was past due. Because of the additional time that lapsed, they reported my account as delinquent. This seems unfair since I took the exact step from their phone call and was told by Citi that they were n't trying to get a hold of me. Now I have a late payment on my credit report from Citi because Citi told me they were n't trying to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief