milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX and a second one that was dismissed reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; 2. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this account.

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I called Chase Bank concerning the annual fee for my credit card at the end of XXXX. The customer representative said that my fee could not be waived but told me that I would have up to 90 days to close the account if I did not want to keep the card. When I called in on XXXX XXXX to cancel the card and get my annual fee refunded, they said that they were unable to refund the fee. When I told them that the representative said I had 90 days to close the account and get my fee refunded, they were unconcerned and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MN).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016, I received an escrow refund check and notice that my payment would drop by ~XXXX/month by my mortgage servicer. I was happy. On XXXX XXXX, 2016 I received notice via mail ( no email was sent ) stating that a new Escrow Analysis was conducted as a result of a negative escrow balance and that my payment would increase over {$200.00} beginning XXXX XXXX, 2016 - the same day I received the letter! As a family that plans every monthly budget, you can imagine how upset I was to learn of this change. After speaking to the representative, I learned that XXXX had failed to account for the escrow of my hazard insurance and only began escrowing for it after I called them to ask if they were going to pay my insurer ( they initially stated that I was responsible for my hazard insurance premium - but, I insisted that they had escrowed for it - we checked the closing docs and, yes, they were supposed to escrow for it ). RoundPoint totally mismanaged my escrow analysis, failed to follow the docs signed at closing and, as a result, I 'm stuck paying an additional {$200.00} a month for their failures.

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 07/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Bank is not updating properly

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 03/21/2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: In XX/XX/2008, my wife and I purchased a new home. We got a 5/1 ARM from ING. WHat made this mortgage unique, was that it had a rate renewal program attached. The way the rate renewal program worked is that if at any time over the course of the mortgage we wanted to lock in the current rate for another 5 years, rather than refinancing our mortgage, for a fee equivalent to our currently monthly mortgage payment, we could " renew '' our interest rate to the new rate for 5 years, and in exchange we would have a 1 yr pre payment penalty from the time we locked in the new rate. 

So for instance lets say when we first got our mortgage we were paying 5.25 %, and our monthly payment was {$1000.00}. And then in year 2, we saw that ING was advertising their 5/1 ARMS at 4.5 %. For {$1000.00} fee, we could switch from paying a 5,25 % fee for the next 3 years, to paying 4.5 % for the next 5 years. This way we could avoid all of the other associated refinancing costs, and if we had 28 years left to our mortgage, we 'd still have 28 years left. 

ING was purchased by Capital One. Recently we saw Capital One advertising their 5/1 ARMS refinance rates at 3.5 % We wanted to renew our rate at that 3.5 %. But when we went to renew, they said our rate would be 3.75 %. We asked why. 3.5 % was clearly the advertised rate. In fact they said if we wanted to go through the entire refinance process, we could get the 3.5 % rate as advertised. Their response was that they had a separate rate they were using for the rate renewal, and the available rate is only available when you log into your account. 

I tried to explain to them that by only offering a rate that was .25 % greater than thier advertised rate, they were effectively charging me an additional fee. As part of the rate renewal program, the only fee I should have to pay, is XXXX month 's mortgage which for me is about {$800.00}. The difference between paying 3.5 % over 5 years or 3.75 % over 5 years would be an additional {$2000.00}. Using their logic that they could have a separate rate for people in the rate renewal program ( this program is no longer offered ), they could effectively make the rate so high, that no one could ever use that option. 

I signed up for this mortgage, because I never wanted to have to pay refinance fees again, or go through all the paper work. When ING was still around, I never had a problem getting the advertised rate. Capital One bought ING, they bought the mortgages, and they should be required to honor all of the provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with A.R.M. Solutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. 
Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. 
I would like this resolved so that false debt or false collections do not show up on my 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 explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has placed a charge off on my credit report on XXXX/XXXX/XXXX from tower XXXX When the debt has been discharged via bankruptcy. 

we contacted XXXX XXXX and they did not place the charge off my my credit report. 

Equifax please call XXXX XXXX XXXX at XXXX in the bankruptcy department and she will verify the charge off is not valid see email string and docs attached DO NOT IGNOR escalate TO SUPERVISOR!!!!!! 
No letter. She said she knows the process seems convoluted but the best thing to do is for us to complete Equifax dispute online. In comments section, we can put that we have spoken with XXXX XXXX XXXX at XXXX. Equifax will then forward it to her, likely within a day. She normally gets them anyway as she is the XXXX collections contact. She said no fault on us but there is an existing issue. XXXX recently changed credit card vendors, hence items being re-reported. 

XXXX From : " XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX Subject : RE : XXXX Ok please get to write a letter of removal if she can not then ask her write a letter showing it was part of the bankruptcy and should be removed the bankruptcy has been discharged. We will forward that to Equifax to remove but we need their help Equifax will not investigate they just verify. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX dob XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: Specialized Loan Servicing provided a nonresponsive, misleading, and in some instances false response to Complaint # XXXX as documented in my feedback. The SLS response begins with an old inflated arrearage amount never resolved because the " agent '' could not be located by the CFPB, which in turn had to refer it to the FTC. Even the response includes significant charges to the account that go totally unexplained.

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 06-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: While shopping for furniture for my home I opened a Credit Account wit h " Ashley Advantage /  Synchrony Bank '' and was granted a {$10000.00} Credit Limit by the store. This occurred in  XX/XX/XXXX . At the time I ordered some furniture that would NOT fit in the home I was living in. I opted to wait until I moved to my larger home and order furniture. On  XX/XX/XXXX  I went back to my neighborhood Ashley Furniture Store and ordered {$7500.00} worth of furniture from same ( well within my {$10000.00} limit ) I put down {$590.00} as my Sales Associate insisted I at least pay more than the taxes on the bill - leaving a {$7000.00} balance. When the " account not found '' error came up at the register in the Ashley Store I was dumbfounded! The Customer Service desk phoned Synchrony Bank and after several go-rounds with the Customer Service people at Synchrony I was HUNG UP ON ( several times. Synchrony refuses to speak with me - and closed the account without my knowledge or consent on  XX/XX/XXXX  No notification was given and no reason for the account being closed! I was redirected to a Kiosk to re-apply for credit AND was DENIED. Their alternative credit lender is a much higher interest rate company called " Genesis '' and the limit was only {$2000.00} which will not accomplish the objective. Synchrony never notified me this account was closed. I have NO LATE PAYMENTS on my credit and now the additional inquiries to lower my scores. Please assist me. This company should not be allowed to run over consumers who are doing the " right things '' with their credit and finances! Making me go to another lender at 29.99 % is most definitely usury. Damaging my credit with extra credit pulls only makes the situation WORSE. How could I go from being eligible and approved at {$10000.00} to Zero approval in this time-frame. Something is not right. AND non-notification is surely illegal. Please assist me.
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I just turned   XXXX   on  XX/XX/XXXX . They closed my account XX/XX/XXXX . Is this age discrimination???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Disversified Consultants, Inc i s attempting to collect debts I do n't owe them at all. I never established a contract with this company at all. They are a debt collection company that purchased a debt from a company they claim I owe. Documents from the debt they purchased is not a legally binding contract to indicate that I owe them anything.They are in complete violation of the FCRA law and the status of limitation law is being violated also.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed this account several times The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 

1. Payment history is inaccurate and incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Secure Capital Management, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On XX/XX/XXXX around XXXX PM eastern time I received a call at my place of business/employer from a man name XXXX from Secure Capital Management advising that he is calling to collect debt or a court judgment will be place on my behalf. XXXX XXXX from Capital Secure Management stated I owe {$1700.00}. He stated XXXX XXXX XXXX is taking legal actions on my behalf due to me financing furniture with a mattress company in XXXX, FL. I asked XXXX XXXX if he can give me more information because I was never aware that I owed XXXX XXXX XXXX money. He proceeded to say I dont know, I am just calling because your file was forwarded to us and we have to take action I informed XXXX if this is true this XXXX XXXX XXXX needs to be investigated because when I financed with them back in XXXX I authorized XXXX XXXX XXXX to have my account set up for automatic payments monthly, XXXX then advised me that only XXXX payment was received and the rest of the payments could have bounced back due to low balance on my bank account. I informed XXXX that if this was true why I didnt receive a call from XXXX XXXX XXXX advising me of this issue. I explained to him I never got a phone call from them or a letter advising me of this. He then stated He doesnt know why this wasnt done on their behalfs then attempted to work out payment plan with me and was very adamant that I have my debit card on file with him even though I advised him I am unable to make a payment until Friday, XX/XX/XXXX. He stated he will not charge my account until Friday XX/XX/XXXX, but he needs to have it in file to start the process. I informed him I can not do that and requested he contact me today XX/XX/XXXX at XXXX ( XXXX ) to discuss this further. 

I am aware of my rights and aware that contacting my place of business or employer to collect a debt from XXXX is ILLEGAL.

Company response to consumer: Untimely response
Consumer complaint received 08/19/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: When I opened a personal checking account and two business checking accounts in XXXX XXXX Wells Fargo Bank, NA created three debit card accounts for me when I only wanted one. I was very clear with them that I only wanted one debit card but they created three anyways. Another example of WFB still creating unauthorized accounts for their card holders against their will. I fortunately found out about the two fake accounts when trying to use the ATM Access Code feature where you can request a code to use the ATM if you do n't have your debit card. Three accounts showed up! I did n't know the PINs on two of them and I never authorized their creation. When I got home and checked my wallet and records I only had one debit card so WFB Created two fake debit cards and sent them to who knows where. 

Wells Fargo seems to be continuing their fake account practices.

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 09/14/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited XXXX branded credit card from Chase. I called Chase at ( XXXX ) XXXX. I submitted the card number and was asked to verify my personal information. The information was correct except for the telephone number. Scary. I was given the telephone number of XXXX credit reporting agency and told to request a credit freeze. I did as directed. XXXX sent a confirmation letter with instructions on how to navigate the credit freeze. No information was given as to how this account was opened. 
I learned from news media that another bank has been fined for this practice. Evidently, this is an industry practice that CFPB should be correcting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.

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