milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account appears on my record is not correct, this account was paid in full. The company is XXXX on my credit training report.. the collection agency is XXXX XXXX Ny 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 10-08-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX - Lease company informed about Identity Theft ( Complaint Number XXXX ) - proof attached XX/XX/XXXX - Letter sent with Identity theft report sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( USPS XXXX ) - delivered XX/XX/XXXX - proof attached ) - $ XXXX violations when I never drove that vehicle, never signed lease for it XX/XX/XXXX - Letter sent with Identity theft report sent to Debt Collector - Transworld System , Inc ( USPS XXXX ) - proof attached ) With the above 2 letters I also sent the NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA document too which makes it clear that they not supposed to call / chase / harass me anymore and not supposed to add default notices to my credit report. 

They breach all the above obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Strategic Automotive Servicing, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Strategic Automotive transferred my auto loan with XXXX XXXX back to XXXX XXXX per my request but this company has their auto loan still open on all XXXX of my credit reports which looks as I have XXXX open auto loans amounting in total of over {$22000.00} and it looks like my monthly payments are a total of {$940.00}, double the monthly note and loan.

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 07/29/2015 about Credit reporting () with ResidentCollect, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I didnt know i had a last bill until i move and it came up on my report i payed it. They said it eould get remove but it still shows open. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: no response at all

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 04-03-2017 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I have requested a payment ledger from Conn 's, for XXXX separate accounts, on three separate occasions. The first being XX/XX/2017 via a message on their website and I followed up with 2 separate phone calls on XX/XX/2017 and XX/XX/2017. I have yet to receive anything in the mail. I have reason to believe they are retaliating against me because I filed a complaint with a government agency for another account I had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I had contacted Chase Bank to dispute a charge against a merchant, in this case a garage, XXXX in XXXX, NY, for services not provided to my vehicle. I had tried prior to this to work with the merchant who was not being agreeable. On XX/XX/XXXX, Chase XXXX a provisional credit of {$300.00} as they said they would conduct their investigation. 
On XX/XX/XXXX, I received a letter from chase stating that the {$300.00} " transaction was correct '' as originally billed by the merchant and " the funds [ relating to my dispute ] will be removed on XXXX/XXXX/XXXX. '' My concern with Chase 's investigation is I never had an issue with the transactions ; my issue was with services for repair not provided on my vehicle. On XX/XX/XXXX, I called Chase Bank 's customer service and spoke to a representative, who reviewed my case and said the reason I was not eligible for receiving funds was the original charges, I was disputing, were from XX/XX/XXXX and it had been past 120 days so I was not eligible for reimbursement. 
The reason this had taken so long is due to the back and forth in dealing with merchant who had not been forthcoming in coming to an agreement, my recourse was filing a dispute through Chase. The Chase representatives have not understood my dispute or taken into account my willingness to try to work out the dispute with the merchant and the weeks that went by to try and work out the situation with the merchant. 

I have used multiple payment methods, usage of my Chase debit card and my XXXX XXXX debit card to pay for the work on my car. XXXX XXXX ' final decision is still pending at the time of me writing this summary.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (DE).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage LLC Is my LENDER and SERVICER, I have an existing complaint filed with your office relating to XXXX QWR letters I sent in XXXX 2016 and XXXX 2016 that was answered incomplete and when I filed a complainton your site you granted thier requested for another 60 days which would be 4 months worth of time all together to answer the start of the QWR letter dated, this XXXX XXXX th, which is well over the required 30 days to answer, I do n't think they should of been granted a total of 4 months, I sent the XXXX QWR letters by certified mail return receipt requested and received the returns by the post-office signed. 
NOW I AM FILING ANOTHER NEW COMPLAINT! 
I requested that Nationstar allow me to submit for a loan modification, XX/XX/2016 they sent the loan application by way of e-mail to go to the line site and download the documents with instructions, I did and completed the forms, signed the data and sent all the required documents by our state library fax machine, i received an e-mail from Nationstar the documents were received and completed on XXXX XXXX, and would review for approval. 
I called few times for the status, a rep would say something is missing and it was n't, and later I would call and another would say all is complete and nothing missing, this happened a few times, than out of the blue I went to check my mail and found a notice of sheriff sale date notice for XXXX XXXX, 2016, I m XXXX years, and my husband is bedridden, this notice shocked us and panicked.us, I called our state attorney 's office and faxed the proof that we made application and proof the documents were complete, and the sale is stayed-attorney as shown on the sheriff 's site. THIS IS DUAL TRACKING AND WE WANT YOUR OFFICE TO INVESTIGATE THIS MATTER., PLEASE! 
I am attaching the verification with this complaint,

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with XXXX and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XX/XX/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 11/28/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I do not have ANY accounts with Wells Fargo. However, they keep calling our numbers despite being told multiple times in the past several months that our numbers are listed on the do not call list and are unlisted/unpublished. We have also told them multiple times to stop calling us and to remove our numbers. Obviously they have not done this since we still get calls. Every time we get a call from XXXX it is a live person that says they are trying to collect a debt. As mentioned, we do not have a debt with Wells Fargo and this is just plain harassment! We have filed a complaint with the Do Not Call registry and will be following up with the Better Business Bureau as well as the FCC to report Wells Fargos continued harassment activities. Tonight, I spoke with a supervisor, XXXX XXXX, that assured me the numbers will be removed. I informed him that I would be filing a complaint with the Do Not Call registry as well as any other applicable agencies. If this harassment does not stop we will pursue other legal action against Wells Fargo. This complaint process asks for my information as the borrower but as I am not said person the contact information is skewed. This is so that my personal identifiable information is not divulged unnecessarily.

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 08-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Business and Consumer Solutions. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 06/20/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (TN).
Issue: Managing the loan or lease

Complaint: While trying to reset my password, the website attempted to request additional credit without my permission. I then found a hard inquiry on my credit report. After bringing the issue to the attention of the company, they refuse to acknowledge that there is an inquiry on my credit and continue to send me the same responses. I have sent photos to them, but they still respond with the same.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i believe this account is not even belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a XXXX degree and significant student loan debt. I am currently working with XXXX different lenders. I keep records, and I pay on time. While my balances are decreasing with XXXX of the XXXX companies, I am baffled by what I consistently see on my statements and the lack of progress that occurs with my Navient loans. The allocation of principal vs interest to each loan makes no sense. The lack of transparency and progress towards paying down loans with this company makes me fairly certain that fraud is occurring with this company. I have years of records and am happy to provide whatever is necessary to properly investigate this company and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Application, originator, mortgage broker

Complaint: I contacted Chase Bank to re-finance my recently modified mortgage. Loan officer was fully aware of the date loan modification, and should have known prior to my application that it would be declined due to company policy. Now my credit rating is again reduced due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I made a payment through my citi back checking by online bill pay for {$200.00} to costco credit card by citi bank on XXXX/XXXX/16. The money was taken out from my checking on XXXX/XXXX/16. But costco credit card never applies the payment to my credit card account. I called the first time around XXXX/XXXX/16. I was told payment was received by costco credit card, but did not know why it was not posted to my account. I was told it would take 5 days to post to my account. But a week passed, nothing was corrected. I called again around XXXX/XXXX/16. I was told it would take 14 days for the payment to posted to my account. Now it is XXXX/XXXX/16, the payments i made after the {$200.00} first payment, posted to my account very timely. Just the first payment of {$200.00} still not posted and interest was charged to my account. I am so frustrated and do n't know what else I can do instead of filing a complain.

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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received an email from Experian that the investigation is complete and my report. isready. Unfortunately, every time I tried to log into the report Experian 's website had problems and I ca n't log into it. I emailed customer service several days ago, got another email with the comment that my report is ready and again the website is telling me : '' We 're sorry, we experienced a system problem and are unable to provide your personal credit report for online viewing at this time. You may want to try again later ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in there system that violated the rights of their consumbers under section 6.11. As a result, I have been gravely effected and my credit score is suffering as a result. No notice of was ever given which is also a violation. I am requesting that ALL inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Step XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **XXXX Apr XXXX XXXX XXXX **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 non-monetary relief
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Wells Fargo Checking Debit Card Replacements : XXXX - Present + Since XXXX every replacement ATM/Debit Cards were left as open/active accounts even though they were replacements and the accounts closed once the new card was activated + I believe employees were ordering new cards on new accounts and not replacements debit cards + I believe this is the same Issue that XXXX is prosecuting Wells Fargo Bank for currently + I have not contacted a Lawyer, another agency nor have I taken any other actions as I just discovered on Friday XX/XX/XXXX + I would like to be included in the case and settlement against Wells Fargo XXXX open a new case if this merits doing so + The bank claims that their " system '' can not determine who opened these cards nor can their " system '' identify why individuals were allowed to bypass their own XXXX & XXXX protocols that are federally mandated + Their solution was to close all accounts and cards and resend a new Debit card and I said that I needed to take action against them before I would authorize that

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 06-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Deposits and withdrawals

Complaint: I got a job offer on XXXX for a administrative XXXX at XXXX XXXX XXXX XXXX XXXX The original email was from XXXX XXXX & lt ; XXXXXXXXXXXX & gt ;. Telling me to have an online interview with XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX the company Hiring Manager for tomorrow Tuesday XXXX your time via Via XXXX. Meeting with him I was told information about the company and asked a bunch of interview questions. At the end of the interview I was hired and asked to sign a Cover letter and send in my ID via email or fax by XXXX XXXX XXXX XXXX the HR Manger. 
Email : XXXXXXXXXXXX Fax : XXXX XXXX XXXX XXXX I was to meet with XXXX at XXXX. When I did he told me that I would need office supplies and would be sending me a check for {$3100.00} dollars. After the check had arrived I was to deposit it into my bank account ( US bank XXXX the account is frozen now ) and wait for the funds to be in my bank account. The next day he wanted me to withdrawal the money and deposit it into a vendor account XXXX XXXX XXXX XXXX ). He then told me that the money would not be enough to cover the amount for the office supplies and he was sending another check for {$4900.00}. By the time this check came, the other check had bounced ( which I did not know that was what happened my bank said " Returned Item From A Previous Deposit ''. I thought somehow they had pulled the money from my account not that the check was bad ) and he said that there was something wrong with the first check and he was sending a check to reimburse me. I subtracted the amount of the first check from the second check and only moved {$1800.00} dollars into XXXX XXXX assistants account XXXX XXXX XXXX XXXX ) because for some reason XXXX was having trouble with that account. The reimbursement check came and I deposited that XXXX and the next day withdraw the {$4800.00} dollars and deposited it into a new account ( XXXX XXXX XXXX XXXX ). He was going to send XXXX more check for a scanner for {$9700.00}. I when to the bank and deposited this check but when I got home I saw that the XXXX check had bounced as well. I when to my bank and had my bank account frozen. Now I have reported this to the XXXX Police Department ( report number XXXX ) and give them copies of all the documentation I have of this crime. In all the scam took me for {$9700.00} dollars about not counting fees. 
My bank should have been able to spot a fake check and refuse to let me deposit it into my bank. That failing my bank should never have allowed me to withdrawal money before the check had cleared the bank. Also the bank should not have allowed me to withdraw enough money to make my account negative, without so much as a warning. In the end my bank did nothing until I came into the bank and had them freeze my 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 01/18/2017 about Credit reporting () with ENCORE CAPITAL GROUP INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I received a copy of my credit reports and noticed some erroneous items on my credit reports. After reviewing my records I could not find any documentation of any contractual relationship between me and Midland Credit Management Agency who reports and represents a Credit Card Company. 
This is not a request for verification or validation. This is a request for strict proof of a copy bearing my signature. I have sent certified letters dated XXXX/XXXX/XXXX and another on XXXX/XXXX/XXXX to provide me with a copy of an original application with my signature but to no avail. MCM Inc insists that I have a charged off amount totaling {$810.00}. To show how irresponsible and negligent they are, in their most recent response I received an invoice belonging to another consumer, which is presently in my possession. They have violated the FCRA and at this point and time they must delete all negative items from their report. I will not upload this consumer 's personal information until I get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/18/2015 about Prepaid card (Mobile wallet) with SYNCHRONY FINANCIAL (PA).
Issue: Fees

Complaint: Paypal reported 30 day delinquency against for a bill that should have been paid through my autopay. Second, they had an old address of mine. When I spoke to the customer service representative, I paid the {$5.00} and he provided instructions to get the credit reporting resolved, which I followed immediately, yet 1 month later, still have the 30 day derogatory remark on my credit report. 
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).

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