milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: There was no place to dispute wells fargo response to the recent complaint  XXXX .  Wells fargo     submits documentation to cfpb known to be fraudulent .wells fargo submits documents fabricated and post dated, if dated, that have forged signatures and fraudulent notary. wells faro now submits a fraudulent lost note affidavit. Notice the numbered paragraphs jump fro m 3 to 5. The re is a well documented history of correspondence to fbi, attorney generals, department of financial institutions, and many others regarding wells fargo fabricated fraudulent documentation for this heloc account.wells fargo scanned copies of the heloc file  XXXX   XXXX ,   XXXX  . Which was provided to regulating entities,  governmental agencies, legal counsel and others. Wells Fargo co ntinues to supplement the heloc documentation with fabricated documents known by wells fargo to be fraudulent..    Wells  fargo continues to commit blatant illegal acts. wells fargo insults the cfpb, the attorney generals and the deparment of justice settlements, consent orders, criminal laws. Truly wells fargo is above the law.   Consumers are forced to incur legal fees to file legal cases to prove the obvios fraud. I can prove wells fargo has fabricated documentation to commit fraud upon me, the cfpb, and the court.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had an identity theft of over 8K, which left me financially crippled for almost 2 months. I reached out to my creditors and some of them were very helpful and some of them were NOT. Synchrony Bank closed 2 of my accounts, synficantly lowering my credit score. One of which was completely paid in full with a {$4000.00} limit. I ca n't believe they can get away with this. As if my credit had n't taken enough of a hit when I was sent to collection for an enormous debt that was n't even mine!!!

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have provided the following information to Experian, XXXX, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from Experian and XXXX. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my Experian and XXXX  credit reports to correct the information in my file. I have disputed this item with Experian and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my Experian and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to Experian and XXXX. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 07/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.

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 02-09-2018 about Debt collection (Payday loan debt) with National Check Resolution Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Company : NCR ( XXXX XXXX XXXX ) After recieving several calls and voicemails, my sister told me to call this company back. They told her that I owed a debt and they would be pressing charges on me. When I called, they told me I had to pay that day or else they would be pressing charges against me. I was more worried about the warrant and court fees at the moment so I authorized the payment. After doing much research, Ive discovered that this a popular scam and I am deeply saddened. I only have {$270.00} to my name and gave them {$200.00}. As I thought, that payday loan was indeed paid off and I did not need to make any further payments. This payment was made on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX and by phone with XXXX with a rep named 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 06/19/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: Chase is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being a Charge Off as of XXXX 2014 and 30 days past due as of XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CO).
Issue: Money was not available when promised

Complaint: Western Union-XXXX location placed a hold on a {$300.00} money transfer. Transfer carried a tracking number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint is addressed to Equifax Credit Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number : XXXX, dated XX/XX/2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). Not ever receiving a credit report, Equifax denied online access for full report. Through an online free credit site, XXXX, report states XXXX as ( Collections ), updated XX/XX/2016. As to date, it has not been deleted. Equifax is the last of XXXX agencies to adhere to request by XXXX. 
If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C. s 1681. Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete them.

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 03-01-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had outstanding charges from XXXX for an unreturned cable box. That account is now in collections and shows on my credit report although I returned the cable box. I am requesting that the items from XXXX be removed from my credit report as they are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I wish to amend my former complaint XXXX. <P/>Part of that complaint was as follows : I was dual-tracked by Bank of America. I received an approved modification package effective XX/XX/XXXXXXXX... But they still foreclosed on my home effective XX/XX/XXXXXXXX... To this day Bank of America is still listed as the owner according to my local tax collector. <P/>Bank of America responded to my chain of title problem with this : " Regarding Bank of America 's name being listed as the owner of the property, my research shows no changes have been made to the recording of the Deed of Trust since its original recording date of XX/XX/XXXX. If you wish to pursue this matter further, we will need you to provide more specific factual detail in support of your claim and I will investigate the matter. '' And I rebutted thusly : I explained exactly what I consider to be the issue and what the solution should look like- if you search my address in the XXXX County tax collector 's site, you see that the [ BoA ] is still listed as the owner of my home. I did not make that change- what made that change is that the company foreclosed and recorded the new certificate of title on XX/XX/XXXX. Then when they rescinded the sale they did not record a new certificate of title. So even if I am legitimately vested on title, I might as well not be if there is no recorded document to that effect. I could n't apply for my XX/XX/XXXXhomestead as a result. I should not have to investigate, execute, or pay for that work- the company should do it. <P/>I 'm amending my complaint because after seeking mortgage assistance again from BoA in XXXX, I have been approved for a short sale ; however, the following communication ( also attached ) came in to my realtor through XXXX on XX/XX/XXXX : " Good Afternoon, I received the Appraisal and it had Bank of America as the owner. I have verified that the property title is showing this also. I need the Title corrected to show XXXX XXXX XXXX as the owner to move forward. I am not sure how long this will take. Thank you, XXXX XXXX XXXX '' So, after everything, I was correct, and BoA bumped me off title when they foreclosed in 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 11/16/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}. 

The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience. 

The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income. 

I closed this account after learning of the excessive and unstoppable fee scheme in 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 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2007, after graduating, I called about having my student loans qualify for Public Service Loan Forgiveness. I was assured I 'd be eligible after 10 years. When I tried to start the process this summer, I was told I had a FFEL loan- the wrong kind to be eligible. I 'm so sick about this. I 'm afraid I have no recourse, just the word of the customer service representative from the phone call 10 years ago. I 've read about incompetent advisors and representatives, not fully understanding the situation at the time. I guess I was, too and just trusted their word. If my payments were n't enough, I would be more than happy to pay the difference, but just to be told " too bad '' by Naviant and that I could reapply for the correct type of loan is heartbreaking. If I paid 10 more years with the correct Federal loan, I 'd have them paid off before I 'd be eligible. Am I just out of options? Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file, that were used to verify the accounts I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve the manner as soon as possible. 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 03/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX - Received an alert from XXXX and XXXX regarding collections account added, XXXX XXXX for XXXX in the amount of {$370.00}. 

XX/XX/XXXX- At XXXX I called XXXX XXXX ( XXXX ) and  spoke with two representatives. The second representative stated that 5 notices of debt were sent to an address I have never lived at. 

Both of the representatives were extremely rude and misleading. I requested a Pay-for-Delete over the phone and both of them said " if you pay this it will be taken care  of '', which is nothing close to being deleted, but were phrased in a way to make you believe they would be deleted. I recognized their shady tactics and requested a verification of debt be sent to the correct address, however, the damage has already been done to my credit as the account was added without any knowledge of its existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have certified mailed in disputes 4 times asking Transunion to validate that the debt reporting on my credit file is actually mine and is correct. I asked for them to send me an original signed contract with my signature on it. I have never gotten any of this. Their investigations continue to come up as " verified. '' I have even emailed the ceo, XXXX XXXX, about this issue to see if they can look into it, I've gotten no response. I asked 4 times that under the fcra, if they can not properly verify, then they must delete the account and they have failed to follow the FCRA. I am going to litigate in small claims court and make them pay me for all of the 5 accounts on my report because of NEGLIGENT NONCOMPLIANCE if they continue to violate my federal rights.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

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