milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

-XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense

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 06/15/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is not investigating and verifying the accuracy of accounts in my credit report that are reporting inocorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The following dates are when I made contact with Transunion via latter disputing inaccurate information on my Credit Report. On or about XX/XX/2016, on or about the XX/XX/2016 ( Certified Mail ) & on or about XX/XX/XXXX. On or about XXXX/XXXX/16 I called Transunion requesting an update on the status of my disputes and the Representative informed me that they are still being investigated. I replied by saying that it has been more than 30 days since my dispute. I was told to be patient and that my disputes were being investigated. Approximately 1 week letter I got a letter from Transunion AT MY HOME ADDRESS stating they will not investigate my disputes regarding the " Inquires ''. The next day I called Transunion and the Representative confirmed what the letter stated. Furthermore, the Representative told me IT WAS MY RESPONSOBILITY to contact each establishment and have them send me a letter stating that the inquiry need to be removed from my Transunion Report and once I received that letter I can forward it to Transunion. On or about XXXX/XXXX/2016 my neighbor visited me at my home and gave me a letter sent by Transunion to her residence with my name on the envelope. The letter was regarding that they did not have my up to date address and until then a proper investigation will not be conducted ( If that was a true statement why did Transunion successfully send me a letter to my HOME ADDRESS/RESIDENCE on or about XXXX/XXXX/2016 ). Based on this incident it is reasonable for me to think that this is a tactic being used by Transunion to delay in doing a proper investigation to determine if the information I disputed are in addition to bringing into question the quality of their investigation. Transunion has my accurate address. Please note that my first contact with Transunion has been more than 60 days ago. Supporting documentation are available upon request.

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 12-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 06/28/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Money was not available when promised

Complaint: Western Union would not assist me over the phone. I had sent money through their service and there was a technical difficulty - they would not assist. I spent hours on the phone and they kept telling the money was availble - the person trying to collect the money at the other end could not get any help from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (VA mortgage) with U.S. BANCORP (CT).
Issue: Settlement process and costs

Complaint: We filed paperwork with U.S. Bank for a Deed in Leiu/ Short Sale in XXXX 2015. The house was put on the Market in XXXX 2015 as my husband got a new job out of the area. 
We submitted all requested paperwork multiple times as apparently paperwork can become outdated month to month. We were assigned a relationship manager by the bank and were hopeful that this would be someone who would help guide us through the process. This is the first time we have ever had to go through this process as we have never had to sell a home in a market that dropped so quickly, leaving us owing more than the house was worth when we needed to sell our home. The bank continually asked for a valid purchase agreement and a HUD-1 Statement. These are things we did not have as we did not have any offers on our house. These are also things they would not need if they were listening to the fact that we were asking for a Deed in Leiu. We have since gotten an offer on the house in XXXX 2015 and have submitted the Purchase agreement and the HUD-1 Settlement statement. This paperwork has been sitting with the " Gatekeeping Department '' with no word on when it will be moved the next stage. We have been told the paperwork was with the processor for review, That it would be forwarded to Underwriting for their review and decision and now is with the " Gatekeeping Department '' it seems like they just move the paperwork from place to place to prolong the process and that neither we or our attorney can get a straight answer as to the status. We are not sure if this is the normal but, it seems as though US bank is doing what they can to stall the process. We are turning to you for help in resolving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Medical debt) with Frost-Arnett Company (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XXXX/XXXX/XXXX I received a letter from Frost-Arnett Company at XXXX XXXX XXXX, XXXX, TN XXXX saying that I owed a debt that I do n't believe I owed. I sent them a letter, certified with return receipt requested that asked for validation of the debt and also in the letter they were told to cease and desist all contact. According to the return receipt and the tracking info on aimed by the XXXX, they received the letter on XXXX/XXXX/XXXX and was signed by someone in their office. They continued to call. They called on XXXX/XXXX/XXXX and continued to harass me from a Kentucky number at XXXX : XXXX. ON XXXX/XXXX/XXXX I received a letter from same company. In a false attempt to verify, not validate, the debt they had access to important personal medical records with procedures and procedure codes on it that I thought was a hippa violation. I do n't feel comfortable with them having access to my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax leaked my information in a data breach. My personal information is now public and compromised. I am now at risk for fraud and identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been attempting to sell a home. The title commitment shows a company that is out of business. When I went to close it shows the original line holder of the primary and secondary loan to be Chase. One loan was charged off in 2009. This is a lien that Chase maintains. I attempted to satisfy the debt in full. Chase will now not speak to me and refers me to a servicing company called XXXX, who tells me the charged off debt is now XXXX more. XXXX now informs me that they have sent the file to a company called XXXX XXXX who is now in charge of discharging the debt. The debt is unfairly inflated and I am aware that there can be no penalties attached to charged off mortgage loans. Now they are preventing a sale for the second time of debt that is almost 10 years old. I am so you trying to sale the house fairly. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (OH).
Issue: Other transaction problem

Complaint: I was supposed to be the recipient of a wire from XXXX XXXX on XXXX XXXX 2017 in the amount of {$3800.00} into my Chase Business account. The company sending me the wire put my name, company name and address on the wire instructions. I never received the wire so I called Chase bank multiple times to find out what happened. They told me that it went into the wrong account despite my name being on the instructions instead of the wire being rejected like it should have been instead they put it into another Chase account of someone elses. The sender had put in a request for the wire to be recalled almost immediately after it was sent when I told them I did not receive the wire. The sender went back into XXXX XXXX and put in a recall for Chase to return the wire which they ignored and subsequently the person that received it instead of Chase recalling the wire they ignored my multiple calls and did nothing. A rep on the phone from Chase had told me that person that received the wire withdrew all the money within 5-6 days and that the account had insufficient funds and actually owed Chase money. I continued to call multiple times and spoke to a higher rep whom told me that he would put a claim in that was 4 months ago and I have heard nothing back from them. The higher rep told me that they would put a lien on the recipients wire and the money would be returned to me which I have not received or heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Account Recovery Specialists, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed and paid for all 3 credit bureaus to remove the inaccurate information reporting from Account Recovery Specialist

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (UT).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.

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 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.

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 12/26/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX XXXX sold my loan to Carrington Mortgage in XXXX XXXX. I was told by XXXX XXXX XXXX that everything that was in place with XXXX XXXX XXXX would be honored by Carrington once the loan was sold. After the transfer to Carrington I was told that Carrington did not honor everything that XXXX XXXX XXXX told me. I was in a loan modification at the time in which i was completing my 6 years without missing any payments and had to call XXXX to help make XXXX honor my loan modification. XXXX XXXX XXXX told me that I would be entitled to a RECAST by my consular XXXX XXXX XXXX after my six year and Carrington told me the would not honor that.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: XXXX   XXXX  from  Wells Fargo g ive me instructions on how to proceed or how to ask for an extension so I do so just the way he told me the original Conversation we can have two weeks later call me back and is asking me for more documentation more information paperwork from the court etc. Why did you not tell me that from the first time.   We have been going through hoops bounds trying to satis fy Wells Fargo wh o seem to be harassing us keeping us from paying off the reverse mortgage forcing us to become legal representatives of the deceased. I do not appreciate  XXXX   XXXX  in accurate information he should be reprimanded or fire d. Wells Fargo  's company takes advantage and harasses elderly only to keep the property for themselves.      Wells Fargo ca n't seem to update any records anytime soon, I will never recommend or use Wells Fargo un til the day I die. Home owners insurance was purchased  three  months ago and it still has not been updated and yet they take out their own homeowners insurance on the property sending me a bill  XXXX  ...    Yes Wells Fargo   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