milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've submitted several certified letters to all  XXXX  credit Bureaus about inquiries that I was unaware of listed on my Credit Report as of today I still have n't gotten a response. This situation is affecting my process of purchasing a home. Please instruct me on what I should do next. I 'm looking forward to hearing from you soon.

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 09-08-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a veteran of the United States XXXX XXXX and due to the worsening of my service connected XXXX I have been unable to work since XXXX 2015. Subsequently I lost a substantial portion of my income and have been unable to afford my mortgage. Wells Fargo have repeatedly refused to work with me they denied me for XXXX different programs for reasons varying I make too much money for one program and not enough for the others in an attempt to displace me from my home and put me on the homeless veteran rolls. I went through Wells Fargo Home Preservation Department as well as reaching out to XXXX to lobby on my behalf and they have rejected all attempts to remedy my situation in favor of repossession. I am currently 2 months behind on my mortgage and am desperately seeking to refinance to a lower interest that would make my payment affordable but Wells Fargo began reporting to the credit bureaus once I was late and my credit score was lowered from a XXXX to a XXXX making it next to impossible to get a lending agency to refinance my loan. In effect they sabotaged my effort to get an affordable payment based on my now permanent XXXX status and VA income in addition to refusing to help me in any way instead advising me on the phone to sign my house over to them or complete a short sell on my home were the only options they gave me. I served my country honorably and deserved better than this please contravene on my behalf that I may have justice and a favorable outcome. I 've worked hard to get my home after a divorce left me bankrupt a few years back, I worked and saved to get my home and I fully intend on keeping it. Thank you for your help.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: After finding out that Equifax had a hack into their system I tried to get their XXXX service with a credit report. I signed up on XX/XX/XXXX, but as of XX/XX/XXXX am still not able to sign in to my XXXX account. I have called 5 times, each call taking at least 30 minutes of customer service. Each time I am told that the system is busy and the technical team can not handle all the requests coming in, but in a few days my password should work. I have waited over 21 days but they still can not get me into my account, and it is NOT on my part. I have followed all their directions but they wo n't give me my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The   XXXX   account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX ,  XXXX   or Trans Union  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 12/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.

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 08-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifaxhas fail to provide me with results of my dispute that I have initiated since last year on accounts closed and recent payments have been posted or accounts have been sold to different companies and they are still reporting them ( equifax ) as active.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Yes I did try to have Trans Union correct this error, however I didn't try with the reporting Company XXXX. I completely deny that this is my transaction.

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 11-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: InXX/XX/XXXX, a loan I have had with Avant, loan # XXXX, became delinquent by about a week. I began getting emails from Avant stating " do n't expose yourself to possible negative credit reporting. '' The email went on to state to contact them and a Payments Specialist will gladly assist me. They stated that " multiple payment options '' were available to keep me from damaging my credit. I make contact, not wanting my temporary financial situation to damage my credit, and they offer me a 3 month reduced payment option. After making the 3 reduced payments, which they arranged and suggested, I would return to my regular monthly payment. On XX/XX/XXXX Avant sent the 3 payment reduction arrangement via email. I make the 3 reduced payments as arranged. Approximately one week before my first full payment would be due again, another creditor asked during a business appointment if I was aware Avant was reporting me late, and showed me my credit report with three 30 day delinquencies. I contacted Avant and spoke to a gentleman named XXXX, who confirmed that I was indeed being reported late for each month I did not make a " full '' payment. I explained to XXXX that it was not noted anywhere in my temporary agreement that a result of accepting THEIR agreement offer would be that I would be reported late. If they had disclosed that to me, as I believe is required by the Fair Credit Reporting Act, I would have rejected the offer and found another alternative. I requested that they remove the late payments because they failed to disclose to me that their policy was to report late to the credit bureaus in spite of having a current payment plan, and they refused. I requested to speak with a manager, who would only confirm through XXXX that the policy was indeed to report late, even though they did not disclose this action would be taken. Since then, I have filed a complaint with the Better Business Bureau ( BBB ) in XXXX Illinois where Avant is headquartered, and through several back and forth communications through the BBB, Avant has continually answered my complaint that they failed to disclose their policy and plan to report me delinquent by saying, literally, " we also did n't tell you we would report you timely either. '' I feel that it is now necessary to take the next step an file a complaint with your agency. I believe Avant has broken Fair Credit Reporting Act laws by not disclosing to me that they planned to report me delinquent regardless of my temporary payment arrangement, and the emails they sent which purposely leads you to believe that contacting them and making arrangements would protect your credit, and their policy is to do the very opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX, operation analyst on claim customer service team, phone number XXXX, accepted a valid second opinion letter, on business letterhead and signed by a second qualified merchant on XX/XX/XXXX and charge-backed the disputed {$3200.00} and {$5100.00} charges on XX/XX/XXXX 
She admittedly concealed from me a merchant 's response to credit card dispute on account ending with " XXXX '' and re-billed, for the third time, the disputed charges on XX/XX/XXXX. 
It undermined my ability to reverse the disputed transactions under consumer protection law through Visa arbitration process.

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 02-05-2017 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered this collection account on my credit report on XXXX/XXXX/17 and never received a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (NY).
Issue: Managing, opening, or closing account

Complaint: My account was closed without notification and that is a breach of contract. They had access to personal information and should have notified me before closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX we issued a check from XXXX XXXX XXXX and made a mobile deposit to PNC bank ( thus we transferred funds because XXXX has branches far from us XXXX. In our online accounts we saw that XXXX sent money and PNC received it on XXXX XXXX. On XXXX XXXX we tried to withdraw cash from PNC in XXXX, IN. The representative spent with us about 45 minuted and finally refused to give transferred money, even a portion of it. We could get only amount of the previous balance. During withdrawal we were repeatedly asked about the purpose of having cash ( we do believe that these questions were non-ethical, it is our money and our business what to do as we pay taxes and use money legally XXXX. 
We live almost XXXX miles away from the branch. So, we called in advance ; we made a trip just to know that we would not get money which we own.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered a loan modification in XXXX XXXX and signed it and it was recorded onto my property. The agreement also removed my ex wife from the mortgage. I am attaching a recorded copy of the agreement to this complaint. I have also removed my ex wife 's name from the title of my home. My servicer, Roundpoint, after violating RESPA Regulation X by evading review for almost six months, improperly reporting and collecting on a loan that was modified in XXXX, ruining my credit and costing me thousands of dollars in legal fees, is still showing me in arrears and they state to my attorney that they can not recognize the loan modification that I signed because it somehow does n't meet their system requirements for default. They then after stalling for 6 months stating they did n't have a complete file, finally issued a new loan modification agreement and they are trying to add my ex wife 's name back onto my mortgage. They also asked for a large down payment. I have done nothing wrong here. My attorney asked Roundpoint to contact the investor/owner of the loan to get this problem ( which is on their side ) resolved so my loan can finally be out of limbo. I feel I have been victimized by both my servicer and the investor of this loan " XXXX XXXX XXXX XXXX XXXX ''. Roundpoint purposely avoids discussing this account. Every time my attorney contacts them to try and resolve THEIR error, they put him into voice mail and never return the call. The VP of the servicer wrote some fraudulent letter stating they did nothing wrong, but it is very easy to understand. They are servicing a loan that was modified and they refuse to recognize it. Ruining my credit, costing me thousands of dollars in legal fees and stress that is easily fixable if they would just contact the investor and stop avoiding the problem. My loan was modified in XXXX. As of today they still show me due for XXXX XXXX, XXXX. This can not be legal. Roundpoint is a crooked servicer who thinks they do n't have to follow Respa law regarding servicing and servicing loss mitigation situations.

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 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: After not getting anywhere and becoming very stressed out with my business dealings through a company by the name of XXXX XXXX because the venture I had invested in was not going the way they promised. 

So, after many persistent calls I decided to listen to XXXX XXXX at XXXX, she demonstrated to me what their website creation could do for my business, What they showed me was not only more sophisticated and user friendly but nicer looking than mine. They said all the right things to get me to pay them to build me a better website and promised they were on the up and up and I would make money in 2-4 weeks and help put me in the right track to recover what I had lost with the other companies. 

Now 3 months later, I still have no working website and of course no money. I have seriously been taken advantage of and lied to by yet again by another internet online fraud. 

I would like your assistance in getting my money refunded. 

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 09/29/2016 about Debt collection (Credit card) with N&S Partners (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Excuse any/ all spelling errors, the message was n't clear. 

I had returned a phone call that stated a complaint was being filed against me for a debt from 2005. The company sounded like XXXX and associates and from a lady by the name of XXXX XXXX, phone number XXXX XXXX XXXX XXXX. She said my HR department was already being contacted to file a judgement. I have recently closed a bankruptcy case ( end of XXXX ) and no where was that debt listed on my report nor any attempt to collect it has been attempted until this point. 
She said the original amount was around {$2400.00} and now it is over {$6000.00}. 
She was also very threatening towards me on the phone when I hesitated to give her any personal information.

Company response to consumer: Untimely response
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Account opening, closing, or management

Complaint: Usaa was contacted today via phone in regards to continued inaccurate reporting of data on my credit report with all XXXX credit bureaus. I was given the run around by the representing with no resolve. I was told there is no one or department that handles discrepancy in reporting credit. I would like the closed account that they are reporting with an increasing past due amount every month to show correct balance, which was the balance owing when closed and charged off over XXXX years ago in XX/XX/2011! This violation of my rights under the FCRA needs to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: for the last three years I have had on time mortgage payments in anticipation for getting a new mortgage. However, in XXXX 2016 I had a late payment that made my mortgage go 30 days past due. The reason for my past due status does not accurately depict my credit worthiness. I had been banking with XXXX XXXX XXXX for years and had automatic payments set up to make my payments on time. XXXX XXXX got bought out by a new bank which caused my automatic bank payment to not go through. I had to manually make a payment on my cell phone. This was too late by the time I found out my payment was behind it wasl already 30 days passed due, all because my bank was bought out. I have bank records showing and verifying that at the time my mortgage was due I had the money to pay the mortgage it was just in my other bank account with XXXX XXXX XXXX XXXX. I have reached out to chase to see if they could do a good faith removal and they refuse. I think they are acting unreasonably. My missed payment was not carelessness or neglect. I had the funds to make the payment, my bank was bought out by a larger bank. I was ready to pay, I had the money to pay, I had even been making additional payments on my mortgage and interest all year long and Chase refused to take that into consideration. It would mean the world to me for this one time late payment to be removed as it is adversely effecting my ability to obtain any kind of loan to help grow my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with CL HOLDINGS LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.

Company response to consumer: Closed with explanation