milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
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: In  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to get Wells Fargo for about 6 years to fix a credit bad report mark on my credit report from XXXX. They have continually used stall tactics and discounted the information that has been provided to them that proves that MY PAYMENT was made ON TIME actually EARY and in GOOD FAITH from XXXX/XXXX/XXXX. They have never given me a reason why they returned the payment to my bank account without MY Knowledge. However in Early XXXX an employee of theirs XXXX XXXX who no longer is employed there told me by phone that she had traced the payment to ESCROW but at that time could not tell me where it went from there. It was not until much later and on research of my statements that the returned payment was found in my bank account. Again without my knowledge. I would have immediately returned the " Payment directly back to Wells at that time but Wells would not remove all the penalties interest and fees that had accumulated and the payment would have been taken first to provide for the fee coverage 's NOT applied to my Mortgage. I did finally however repay the missing payment along with " some of the fees in XXXX XXXX in order to have my credit to show current on my mortgage at that specific time as I was instructed to do. They have continually refused to clear the bad remark on my credit and clear past late fees and penalties from my mortgage account. This has caused me great financial harm. 
I have continued trying in many ways to get this issue resolved so that 1. my credit can be completely 100 % restored 2. That I be made whole since none of this was of my doing including all penalties and fees cleared. 
3. my payment had been made on time ( actually days ahead of the due date ) and in good faith. 
4. my refinance can occur to a lower interest rate including some equity disbursement which has been my ultimate goal. 

I first filed a complaint with CFPB in XXXX all complaints listed on my account are concerning this Wells Fargo Issue. XXXX has provided everything they can from their end that shows this payment INFACT was made in a Electronic Batch Transaction straight from XXXX to Wells Fargo on XXXX/XXXX/XXXX. I have sent Wells Fargo everything from XXXX however I received a call two days ago stating that Wells Fargo will not accept the information provided BY XXXX. Please Help Me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My name is XXXX XXXX. My fiance ' shares the same last name ( XXXX ) with my neighbor. " Credit Control LLC '' ( formerly known as " XXXX XXXX XXXX XXXX '' ) has been repeatedly calling our household asking for this neighbor. 
Yesterday ( XX/XX/XXXX ), they called again, and for the first time, I answered the phone to clear up the misunderstanding. The representative thanked me, and then hung up. 
Today, ( XX/XX/XXXX ), one day later, they called again. I answered, but this time asked for their mailing address. They promptly hung up the phone. 
Can you please tell me what my options are at this point, to end these daily phone calls. Thank you in advance for your help Sincerely, 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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a breach of more than 143 million Americans personal information, including mine, earlier this month ( XX/XX/XXXX). To this date, I never been notified by the company that my information has been put at risk. The only reason I know about the breach is through news reports, and the only reason I know my information may be part of Equifax 's data breach is because I entered my SSN on their website as prompted to do so when trying to find out if I was affected and was informed I potentially was. I was then prompted to take steps to have Equifax send me an email to freeze my credit which has been nonexistent, like everything else with this company.
Last Saturday, XX/XX/XXXX, I contacted Equifax via email per instructions on their website to put a freeze on my credit and have yet to hear anything from the company. No email, no letter, no phone call. Nothing. I even contacted the company a second time this week ( XX/XX/XXXX) to no avail, which is completely unacceptable. If Equifax was trying to collect a payment from me, they would have no problem contacting me. Multiple times in a day, I am sure. But now that they comprised my personal information, putting my financial profile at risk, they are silent and I have no recourse? How can that be possible?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CO).
Issue: Fraud or scam

Complaint: Issued a wire transfer recall. The receiving bank is requesting that Chase bank provide XXXX with an indemnification agreement. In turn I would then sign the indemnification agreement, so that Chase bank is not held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Trouble during payment process

Complaint: My mortgage was sold to Nationstar Mortgage  Servicing  2 months ago. Today I received a phone call from  XXXX . I was told it was Nationstar Mortgage and I was on a recorded lone. I was told it was a mortgage check up and I needed to verify my mortgage information. I asked " Is this a sales call '' the answer was " NO ''. the person told me to hold while he got a mortgage person on the line. When he returned to the call I asked why the call was coming from a  XXXX   XXXX  number and where he was located. He said  XXXX , Tx and he thought it was because it was an internet phone. He transferred me to  XXXX   XXXX   NMLS  ID  XXXX  who immediately went into sales mode. I stopped him asking him if it was a sales call or a mortgage check up verifying information. he said it was sales. I lectured him for a few minutes about them as my servicer can not " spoof '' a phone number and they can not deceive / lye about the purpose of their call. He defended it briefly then he said he would place me on a do not call do not send US mail list. I asked for his supervisor after he made excuses for the "  XXXX  '' phone number. He transferred me to  XXXX   XXXX  NMLS ID  XXXX .  XXXX  also defended the "  XXXX  '' area code number saying " if the guy is in  XXXX  he can not use his phone number ''. I  XXXX  the phone number it does not come up as ANYTHING remotely close to Nationstar.  XXXX  went on o say they had recently acquired a mult i billion d ollar portfolio of mortgages. I said then chances are Nationstar is breaking the law hundreds of times each day with they " verify mortgage info calls ''. I told him that several laws were being broken and I would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with BB&T CORPORATION (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.

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 04/21/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from  XXXX   XXXX  and was set up with financing through  Credit Acceptance. I   was told I was getting financed on {$18000.00}. If I go through full term of the loan I will be paying them over  XXXX  for a vehicle that is only valued through   XXXX  . at {$8400.00}. Now when I try to refinance the vehicle I am getting denied due to the loan amount exceeding the value of the vehicle. This is not right for a business to do to somebody who is already low income and struggling to keep his family a float.

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 05-04-2017 about Debt collection (Other debt) with The CBE Group, Inc. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a letter from  XXXX   XXXX . Upon speaking to a representative i regards to this matter, I was asked for my  XXXX   Pin Code.  I refused to divulge that information, as I did not contact  XXXX  directly, and due to security concerns. I received a statement from  XXXX   XXXX , and the statement only state one-time charges. There is no detailed information, in regards to the one-time charges. Also, I am perplexed as to how I ca receive a letter from a collection agency, as well as a billing statement from  XXXX  sixty calendar days later. Also, upon initial contact with this collection agency, I informed them this account was declared as disputed. Upon further contact by the same collection agency, I declared all contact with me was to hereby cease and desist immediately. I have not been informed as to the one-time charges, in question.

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 12/15/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I have a savings account and was told that first I had to have a {$2000.00} limit or be charged a service fee then I was told to avoid the service fee my account balance had to be {$2500.00} or have a deposit of {$75.00} monthly. 
I opted to have the deposit of {$75.00} and was charged the service fee. This institution changes the requirements at will and now wo n't xplain why this service fee charge when their requirements were followed.

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 12-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Debt collector has confirmed that the debt is not 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 non-monetary relief
Consumer complaint received 02/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This information is incorrect pleas remove it asap DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years 2. TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN Missed and late payments ( delinquencies ), including the number of late payments, how late they were, and how recently they occurred, are an important part of your FICO ( R ) Credit Score. Your credit report shows recent missed and/or late payments with creditors.

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 11/18/2016 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: I am the Trustee of my daughter 's XXXX trust and manage the trust CD accounts at several banks. XXXX of those banks is U. S. Bank, XXXX XXXX in XXXX XXXX, California. The Trust has a CD account, currently around $ XXXX that has been in that branch since XXXX. It gets renewed upon maturity. Last maturity was on XXXX/XXXX/XXXX. I have not received the bank usual maturity notice in the mail, so in such a situation, the bank automatically renews the CD with the same term ( 11 months ) and for the CD rate on that date. The previous rate was 0.5 % and that rate is low but the bank automatically renewed the CD at a ridiculous rate of 0.05 %, which is a rate even low for a saving account. I contacted the bank personally and spoke to the banker and the branch manager and even complained to the regional manager that such a renewal rate is not fair and not realistic for an 11 month CD of $ XXXX. I asked them to show me the CD rate on or about XXXX/XXXX/XXXX and the branch manager said he ca n't get that. I asked the regional manger for the same information and she said she ca n't do anything to correct that rate. I asked for her full name and she refused to give me her full last name. I needed to document the persons that I contacted in the bank for this issue and she did not give her full name. I have other CD account for the Trust and then other bank give around 1 % which is low but acceptable in this market. I find U. S. Bank action in this situation to be very unfair and most likely other consumers can experience such disregard to consumer rights unless the bank is made to be aware of that bad practice. It is ridiculous for an 11 month CD of $ XXXX to be generating around {$3.00} interest per month even in this market.

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 04-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America is refusing to investigate fradulent cash advances on both of my business credit cards and lowered the credit limits on both of them as a result of the cash advances. They are refusing to investigate because they claim their records do no go back far enough to see the dates of the transactions. They are ONLY A FEW MONTHS OLD. There is no reason for them to not be able to see them. Also since the cash advances were NOT initiated by me, there is no reason that my credit limits should have been deleted.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.

Company response to consumer: Closed with explanation