milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XXXX XXXX, we received notification that the XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XXXX XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.

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 Experian Information Solutions Inc. (CA).
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 opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX   ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting (XX/XX/XXXX XXXX   and XX/XX/XXXX Experian ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX  and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done.

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to XXXX XXXX  ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On Saturday, XX/XX/2017, I received in the U.S. mail my " FREE '' annual credit report from " Trans Union. '' However, on " Page XXXX of XXXX, '' it notes under the " Account Review Inquires '' that a company called " XXXX XXXX, XXXX via XXXX '' unlawfully accessed my " Trans Union '' credit file on " XX/XX/2017. '' This is NOT mine. I am a victim of " Identity Theft. '' I just renewed my apartment lease for another 12 months in XX/XX/2017 so why would I be applying for a " home loan '' through " XXXX XXXX, XXXX '' on " XX/XX/2017. '' Plus, I was on vacation in Hawaii on " XX/XX/2017 '' with NO computer access and NOT in my home State of California.

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 10-06-2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.

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 05/19/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CT).
Issue: Struggling to pay mortgage

Complaint: See earlier complaint No  XXXX . Just received a letter from  Citibank  referring to some unknown research it wants to do and looks like it will for the 40th time attempt to delay forclosure sale scheduled for    XXXX   . After 100 months, it has had 8 years to do any research it wants and this is just another attempt to delay the sale to increase the amount the debtors will be assessed to pay over sale price. We are protected from paying because of bankruptcy and any attempt by citi will result in damages from the  Bankruptcy Court a nd it aware of this fact. The issue is we have to pay  XXXX  per month to maintain homeowners insurance for liability. We have paid {$40000.00} for this coverage and been denied any effort to obtain any mortgage on another home for 8 years and will be denied for 2 years AFTER sale so the unnecessary damage to my family  is a miscarriage of justi ce and violates the Bankruptcy intent to provide debtors who lost everything because of the   XXXX   greed of our " too big to fail '' institutions.     Please con vince Citi t o go forward with the sale on  XX/XX/XXXX . Do n't let its continuing delays harm us any further.     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 08/24/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: On each of the mortgage statements from Bayview Loan Servicing for XXXX, XXXX, and XXXX 2015 is an added {$75.00} charge. The line in Account Information says " XXXX XXXX XXXX. '' The XXXX statement has a line in Transaction Activity for XXXX/XXXX/15 that says, " Miscellaneous foreclosure, Bankruptcy and XXXX Expense Disbursement. '' The other XXXX statements show no payout activity related to the charges. 
We are not in foreclosure or bankruptcy and our house is not a XXXX property. Therefore the charges are inappropriate. 
In addition, as of XXXX XXXX, 2015 Bayview is no longer including our outstanding balance on their statements, thereby denying us the ability to identify or evaluate any charges or balances.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent po report id theft cra violation inaccurate 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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Filled out application online for cheap car loans . .  XXXX  compani es did a credit check without asking my approval.

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 03-08-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received notice that XXXX XXXX XXXX, an entity I rented an apartment from in 2014, has submitted information to Equifax alleging that I have XXXX accounts open totaling XXXX . These accounts and their corresponding charges were never communicated with me or my roommate. I am disputing these claims with Equifax. Equifax has been entirely unhelpful in this situation. The contact information for the accusing business either does not work or the business refuses to reply or assert their charges. I contacted Equifax assuming the collections agency must have contacted them and thus I could dispute the claim with the collections agency and possibly obtain the contact information for the original business. The information Equifax provided me was erroneous and was the contact information of an auto insurance provider. If Equifax can not contact these collections agencies and they never have to assert charges or communicate with clients then how can this be considered a valid legal practice? 

I appreciate any assistance or guidance you may offer. It would seem that both Equifax and XXXX XXXX XXXX have failed to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Medical) with State Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had paid the debt in full that I owed to the health care provider XXXX last year via their ebillpay system. I was surprised when I got a call from the collection agency this year. After their call I faxed them the proof of payment to the collection agency. 

Recently, I received another letter asking for the same payment which did n't include my payment in the transaction history that was provided to me. 

I am being harassed by these letters and the collection agency is not doing it 's due diligence to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

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 12/14/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MS).
Issue: Managing the loan or lease

Complaint: I got a loan through Big Picture Loan and was not given correct information about it. I am being charged 968 % interest on a {$350.00} loan. In total i am paying back {$1800.00}. And I have to pay {$120.00} every two weeks. I was never told that I would have to pay so much back or that I would have to make payments every two weeks. If I would have known this I would have never borrowed money from them. Is this legal? Is there any way I can get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in the short sale approval process for over a year now. I finally had an approval but we were unable to close due to some repairs needed. Both my realtor and I have tried to contact Wells for an extension but no one returns our phone calls. Not only are we at risk of having the buyer walk, but I am at risk of losing a job offer that requires proof that the short sale is going through. Wells forced me to default on a loan so that I could get a short sale approve and my credit continues to be destroyed despite my best efforts to get something completed. This is beyond frustrating.

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 07-01-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.

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 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wrote a letter to trans union asking them to remove my Bankruptcy from there file. I did this back on XXXX/XXXX/XXXX. I got a letter from them dated XXXX/XXXX/XXXX telling me that it has been verified. Keep in mind the Texas Federal Courts DO NOT report anything to the various credit bureaus, nor do they verify the information reported is accurate.

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 10/13/2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: I had a mortgage with US Bank and was advised in the beginning to open a bank account to get a lower rate. The mortgage was refinanced and I was not aware that the bank account would incur fees in the amount of {$25.00} at that point. I called to explain the misunderstanding and requested a credit which was agreed to. However, US bank took months to resolve so the balance went unpaid. In fact, I never made any payment towards those fees ( which grew to {$75.00} in late charges ) because they agreed to waive them. Eventualky, the fees were credited and I assumed that their agreement to cancel the fees meant a full resolution had been reached. However, the process after they agreed to waive the fees took months. I called us bank month after month because the fee they promised to reverse was still on my statement. Each conversation a US Bank rep promised to have a " manager '' take care of it. I did n't know that their incompetence was adversely effecting my credit. Once it showed up on my credit report, I requested a dispute through the credit bureaus as directed by US Bank since they would not provide any other assistance. I was told by us bank that there was nothing they could do. The results of the dispute merely updated the length of outstanding fees. I had a number of mortgages with us bank over the years and they were paid thousands of dollars in interest. I find it descipable a hidden fee of {$25.00} that they agreed to waive would negatively effect my credit after numerous phone calls dealing with their own incompetence. In addition, the results of the credit bureau dispute should have been a full deletion given the facts. This may be the result of laziness or biased treatment but I will continue to pursue the only acceptable resolution of full deletion from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2015 about Debt collection (Medical) with Nationwide Credit Corporation (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I do n't work and I 'm on XXXX they already know this and they are not allowed my law to threaten to put a lien on my accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX reports Pay 31-60 Days 2. Judgement by XXXX 3. XXXX Inquiry 4. XXXX Inquiry 5. XXXX Inquiry I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint

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 02/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Following death of parent in XX/XX/2014, I have attempted to receive remaining funds in her Bank of America checking and savings accounts. Bank of America has repeatedly demanded further " proof '' of my eligibility to receive these funds, and in phone conversations has repeatedly assured me that all was in order and that a check would be sent to me " within 15 days. '' No such check has been forthcoming.

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