milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports 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 03/15/2017 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I was making my normal monthly payments up until I lost my job. I called the Loan company which is Credit Central and asked how do I go about activating the credit protection program for when you loose your job. I was then informed that because of the amount of my loan they took the credit protection option away from me. Not once did anyone tell me that the credit protection plan had been removed from my account due to them giving me an increase on both of the loans I currently had with the company. Spoke with the manager and the disrict manager about the matter and set up a payment arrangement to pay the two payements that were past due. I then called back to the district manager to see what other arrangements could be made considering that if I was to continue to pay them for the next few months then I would be homeless. I didnt recieve any phone call from the district manager about the matter after I spoke with her the first time after not being able to get anything solved by dealing with the manager of the location. When speaking to the manager of the location he offered for me to rewrite one loan to pay off the other loan but, that still would n't have solved the problem because at the time I actually did n't have a job to be able to repay either loan and did n't have documents to turn in to be able to rewrite the loan to pay off the other one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with HSBC was sold to XXXX and HSBC has reported that I have balances for defered interest and lender advances which I am not aware of. XXXX has said I have contact HSBC now HSBC is saying they sent all the info to XXXX. All want is a detailed in simple language who HSBC paid dates and amounts so I can check my bank records, because I pay Taxes and insurance myself.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NY).
Issue: Shopping for a loan or lease

Complaint: JPMorgan Chase Bank declined an auto loan for the following reason " Insufficient Payment on open auto loan or lease ''. The said they got the info from XX/XX/XXXX. This information is not only false but caused an extra bad inquiry to my credit report causing a negative hit on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: I had a credit card with American Express I am going to return and give up because they billed me for a XXXX Bill of {$140.00} and have refused to take it off my credit card and I will not pay for it as I never used the ticket. I called them and XXXX refused to give me credit towards another trip. According to the law one can not be charged on a credit card for something they did not purchase. I received no trip on the XXXX trip and will not pay for it to American Express. My card number is XXXX and I would like American Express to take my card back for fraudulent billing for a purchase I did not use the XXXX Bus Ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with National Principal Group, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received XXXX rude and obnoxious voice mails from a Company named National Principal Groups. They are actually yelling on the message stating they are looking for a Party who does not reside at my household. They state they are skip tracing and have the right to contact any phone numbers that are listed on file, and that they request a call back even if I do not have any information. I have called back after the XXXX voice mail received and left a message stating not to call my phone number again. I received another voice mail today and I called them back stating again, not to contact this phone number and they still asked for information on a party they are looking for. They have called XXXX, XXXX, and now XXXX. No one in my household owes any outstanding collection/debt and do not appreciate this company contacting our home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report

Complaint: Despite several attempts to have Wells XXXX remove inaccurate information listed below from my credit report it still remain in violation of the far credit reporting act.

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 02/24/2017 about Student loan (Federal student loan servicing) with ACS Education Services (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to college in 2007. i became sick and was unable to continue to go to school. the federal loans did not cover the entire cost of school so I had to also pay the school the overage. Due to still owing the school they will not release my transcripts and i can not finish school. I am a single mother so I have to work and I am unable to pay the monthly payments on my loans. Im trying to get a house so my son can go to a school in a good system. i am unable to get a house due to these loans on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Delinquent account

Complaint: I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This has been going on since XX/XX/XXXX, when we received a statement that our escrow account would be short almost {$2500.00}. After doing some research we found that our hazard insurance premium jumped from {$700.00} a year to {$2500.00} a year. So we contacted the mortgage company to let them know that we would be cancelling the original insurance company with XXXX and selecting a new one ( all done on the same day actually ). They said fine the insurance company would send a credit to escrow account for the prorated portion back. They sent us the check directly we called loan company and they said to make two separate payments. One for our Monthly Mortgage and one for the escrow account ( {$1800.00} ). We sent that to them on XXXX/XXXX/XXXX for the {$1800.00} to go into escrow to cover the new insurance policy plus a {$400.00} " fluff '' they told us to include to keep our escrow from falling short. Since they received the escrow money back from us they have misapplied it so many times they now can not account for where of it is currently ( as of XXXX/XXXX/XXXX ). They paid our property taxes a month late this year and paid our hazard insurance a month late this year that is all they paid out of the {$1800.00}. They also miss applied our mortgage payment that month which reported to the credit bureau as late. We were told that it 's not their fault the escrow account is short and that they correct all the miss applied money, when we questioned the remaining balance that should be there she said she could n't account for it. She then told him that they did n't account for the new hazard insurance so they {$900.00} shortage is their fault but we have to pay yet again. HOWEVER on XXXX/XXXX/XXXX they sent us the statement for the escrow WITH the new insurance amount on it. She tried to tell us that we can split the now {$900.00} escrow shortfall over 36-48 months, we denied. Now our payment went up. Our statements make no sense. We have put {$4500.00} into escrow and can not account for where the money has gone. My PMI payment keeps changing and they keep applying additional principal payments on top of our regular payment. So many reverseals ad disbursements it 's so 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 08/18/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I applied for a credit card for XXXX with XXXX Bank Creditor, I got my denial letter stating my credit score was low of XXXX from Experian at XXXX Experian XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. However, I went to Experian to obtain my credit score and it states XXXX. I check my credit score regularly and it has not been that low. I have called XXXX Bank and they told me to dispute with Experian because that is where they got the information, so when I called Experian they told me I needed to call back to the bank to figure out " what model they used to pull the credit score? '' He would n't let me make a dispute or speak with a superior and kept telling me to call back to the bank. So I called back to XXXX bank and they told me they do not give out those information nor can find out how to find that out. I need to find out where they obtained this credit score because it has denied me a credit card and also affect my credit inquire.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am an attorney. I represent homeowners in foreclosure. I normally advise my client to submit legitimate complaints here, and I think my client has in this matter, but this case is so gut wrenching and the consequences so dire, that I want to make sure it gets the full attention of the CFPB. Bottom line, my clients have lost their homestead property AND NEARLY {$300000.00} IN EQUITY because of a gross and well documented case of dual tracking. My client has very good and very detailed records of correspondence from JPMorgan who confirmed they had a completed application in. My client next confirms that while she knew a foreclosure sale was set, JPMorgan advised that it would be cancelled. My client confirmed with the attorney for JPMorgan that they were cancelling the sale. I personally spoke with the attorney for JPMorgan chase who confirms that they moved to cancel the sale. The problem is, the court refused to cancel the sale and now their home has been sold to a XXXX party at an auction. I am trying everything I can procedural to undo this sale, but our options are limited. This case illustrates a serious problem in lack of enforcement of CFPB protections. I urge you to read the Order issued by the judge in this case and I especially urge CFPB to pay particular attention to the well-documented facts that judges in circuit courts are refusing to recognize CFPB protections. This case represents very harsh consequences of this refusal and I implore you to intervene in this case and use this case for larger enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Delinquent account

Complaint: Wells Fargo deducted {$16000.00} from my personal account to cover a debt that my daughter and son-in-law had incurred with them as a guarantee for a business they own. Wells Fargo stated that they were allowed to do this because of the fact that in XXXX of 2015 I placed my daughter as joint on XXXX of my accounts. I put my daughter on the account as an act of estate planning so she would have easy access in case the need would arise for medical issues etc. for myself. Not my daughter nor my son-in-law had invested a single penny in the account prior to or after I added my daughter to that account. The money had been placed there by myself and my deceased husband which can be proven by where the deposits came from which was from our work or our personal tax returns. My daughter also did not spend any of the money in the account as it was not hers and did not have permission to do so!!! I did not know what was going on with the debt that my daughter and son-in-law had incurred with Wells Fargo or that they were behind on payments. I was never alerted about the debt by Wells Fargo prior to Wells Fargo taking the money out. I had never gotten any mail from Wells Fargo in my daughters or son-in-law name prior to the deduction from my account. After the deduction from my account I started to get mail from Wells Fargo addressed to their business and then also my daughters name as though they were trying to associated the debt to my address and to me. I contacted Wells Fargo personally and was told nothing as I was not the business owner, but yet they can take my money from my account. I submitted paperwork at the local branch and all I got told is that they were allowed to do this. I had an attorney mail a letter and it was ignored ( Attached ). I had nothing to do with the debt of the business that was guaranteed by my daughter and son-in-law or had any doings with their business in any fashion. The debt was solely theirs and not mine. The fact that I put my daughter on my personal account for estate planning and to help ME in case of medical needs and for Wells Fargo to take MY money that my husband and I worked for not my daughters money is outrageous!!!!!!! She had XXXX contributions to that account and it was not hers!!!!

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 03-06-2017 about Debt collection (Non-federal student loan) with Van Ru Credit Corporation (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Van Ru Credit Corporation along with XXXX is attempting to garnish my wages beginning XX/XX/XXXX, for an old student loan. The original debt owner has already written this debt off and recovered from any lost funds. I have already been punished by having a derogatory account on my credit report for many, many years and now Van Ru Credit Corporation and XXXX have purchased this old debt and intend to make money off of it for a second time ( or perhaps more because that 's how these creditors operate, buying and selling these multiple times ) and negatively impact my livelihood. This is unscrupulous and in complete violation of the Fair Debt Collection Practices Act because the statute of limitations for this debt has run out. This loan occurred in Indiana and the statute of limitations for debts in Indiana varies from 6 years at the minimum to 10 years at the maximum. This debt occurred no later than XX/XX/XXXX, which is XXXX years ago. I am asking the CFPB to intervene on my behalf and aggressively halt all procedures by Van Ru Credit Corporation and XXXX to obtain any further monies from this expired debt.

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 12-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Settlement process and costs

Complaint: I am extremely upset of the way Wells Fargo has handle my loan. I am not able to make monthly payments to them anymore. Therefore I have summited XXXX letters requesting a settlement, this loan was taken out over 10 years ago, and I just can not make any monthly payments. I am willing to work directly with Wells Fargo however I feel they are just prolonging my case. I do not want to file bankruptcy because I will damage the little credit I still have. But if Wells Fargo is refusing to work with me and they dont want to work on a settlement offer, I will be forced to do so. I called today to get an update with my assign specilist XXXX XXXX. However ; once again there is no new updates. I am tired of the excuses I been given.

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 06/24/2017 about Debt collection (I do not know) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.

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 09/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For over 3 years I have tried to have XXXX XXXX and now Navient send a monthly billing statement to the student for her loan. 
As of today that is still not happening. 
I have called, I have sent emails, etc. 
There web site does not allow for this request. 
The loan number is XXXX

Company response to consumer: Closed with explanation