milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at this address : XXXX XXXX, IL XXXX Kindly remove it from my credit report

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 10-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This was previously disputed and  XXXX  failed to address this to the CFPB in the last dispute.     I am signed up for  XXXX  credit monitoring for  XXXX  a month. As part of their package, you are allowed to " freeze '' your credit report. I however am not able to freeze my report. It tells me there is an error. I call customer service to be told that they can not even freeze my report and they will get a technical team to look into this. As a result, i have over  XXXX  inquiries on my report. If transunion can not stop the inquiries from coming in from unknown sources, then how am i supposed to? I PAY them for a service that they can not even provide. This is th e 6th t ime I have asked for help on this. The inquiries are NOT AUTHORIZED and should be REMOVED ASAP. This is the last time i will attempt to dispute these inquiries. Next time I have to ask, i WILL hire an attorney. It is NOT my responsibility to make sure that  XXXX  credit freeze works it is theirs. Why should i penalized? I have tried so many times to freeze my report and they will not do it. I need a refund back of my  XXXX  for each month they have been unable to freeze it which would be about 7 months now.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was opened by XXXX on XX/XX/2016 but I did have this service for over 2 years and when the account was closed I had no pending payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08-06-2015 about Credit card () with WELLS FARGO & COMPANY (OK).
Issue: Billing disputes

Complaint: I called Wells fargo Financial credit card services about the late payments reported on my credit report to see if it was correct. The customer service told me " its a bank error because they set it up to come out my account on the wrong date of the month ''. I asked them, so what do I need to do to fix the problem. They told me to fax their dispute department a letter saying " customer service informed me that the whole time they was withdrawing money out of my account. It was set to the wrong date ''. I also had to fax them a copy of my credit report showing the late payments from XXXX XXXX to XXXX XXXX. That was last month sometime when I did that, I called wells fargo XXXX other times trying to get some help. But all they do is tell me to dispute it saying its a bank error and the dispute department will fix it. The XXXX time i called I asked them if they can just notate my account saying its a bank error since thats what they been telling me to put, and they say I have to do this on my own time they can not do it for me. So I have to find a way to fix it even though I do n't have access to what they have. I do n't understand why the XXXX departments do n't communicate between each other to make there customers happy. Now I ca n't apply for a house because the late payments on my credit, I have to wait for a yr.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have a XXXX mortgage with Specialized Loan Services out of XXXX Colorado. My husband had a business issue and had to file a chapter XXXX, but did not charge off this debt and has repeatly requested a reaffirmation, from the attorney and from himself. We understand that is option, however, I did not file and BK and I am the co partner on this loan. We have continued to make payments and all payments are current. They refuse to give me a statement, the have issues every month applying the payment in the right place and they will not respond to my request for a statement. So we understand, this is a clear violation of the new laws/rules, that they have no reason, not to provide me with a statement and apply the payment correctly and we do not understand, why they will not provide a reaffirmation agreement, but since we can never reach anyone, this has been difficult as well.

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 10-05-2017 about Mortgage (Conventional home mortgage) with State Home Mortgage (GA).
Issue: Struggling to pay mortgage

Complaint: I would like to file complaint on State Home Mortgage. I have been with this company for a decade and I have always had such difficulty with loan servicing with them. The personnel there is very rude and are not there to support the home owner in any way. 

1. On XX/XX/XXXX I received a 6 month forbearance after receiving payments of {$710.00} from me once last payment from XXXX XXXX XXXX ended on XX/XX/XXXX. 
2. On XX/XX/XXXX I received a modification trail plan payments to be effective for XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX, which I paid as agreed. I continued to make the trail plan payments until XX/XX/XXXX. 

My complaint is that XXXX XXXX XXXX XXXX never issued me a permanent modification. They signed the modification plan/contract on XX/XX/XXXX to start the trail plan agreement. In the interim, I 've received a coupon book in XX/XX/XXXX for payments of {$710.00} starting XX/XX/XXXX with interest rate of 4 % which is not in line with the modification agreement which stated an interest rate of 3.5 %.  Which were the payments of {$680.00} that they 've collected from me the months of XX/XX/XXXX-XX/XX/XXXX. 
During the time of waiting on the said modification to be approved, life has happened where I struggled to get payments in for XX/XX/XXXX and XX/XX/XXXX. I sent a check/payment in to State Home Mortgage for the amount of {$1500.00} for the months of XX/XX/XXXX and XX/XX/XXXX plus coverage for any late fees assessed on XX/XX/XXXX. I assumed I would need to pay the {$710.00} after receiving no response from emails and seeing that my online account had not been updated to reflect accurate information. 

I have been in constant contact with XXXX XXXX and has filed a second investigation with them. They are also confused on what has happened after their last in counter to remedy this issue with State Home Mortgage after they had advised them to place me on the Streamline Modification. I have also had to obtain a lawyer to communicate on my behalf going forward due to so much push back from XXXX XXXX of State Home Mortgage on providing me with the correct information on my case to save my home from any other delinquencies and/or foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached my dispute letters which i have also submitted to bureaus several times, XXXX accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
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 05/19/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Wells Fargo drafted {$600.00} from my savings account that listed my son on the account at the time this account was opened my son XXXX XXXX was a minor so I XXXX XXXX was the custodian under the XXXX XXXX. This draft was due to fraudulent activity that occurred on my son XXXX XXXX separate checking account where he is listed by himself. It was communicated to me that the bank had the right to draft the funds for the overdraft fees from the savings account because he was listed on the account. The claim with Wells Fargo was made on XXXX/XXXX/XXXX with a customer service rep by the name of XXXX who would not communicate her last name because she stated that they are advised not to give out last names, never the less she communicated that I could go and close the savings account where my son and I were listed together and all funds would be refunded to the primary account I asked the representative several times would the funds be refunded to the primary and I was assured that it would be, so here we are over 30 days later where the claim has been resolved my son primary checking accoutn is current and all of his funds are available to him and for some reason I have yet to receive the {$600.00} that was removed from the shared savings account. The claim that we made was approved and for some reason I have yet to receive the {$600.00} that was drafted from the savings. Now since then my son as well as myself have made numerous attempts to have this issue resolved only to continue to receive the run around and to be given multiple explanations as to why the {$600.00} has not been refunded. There was a deposit made into the account for {$1600.00} on the date of XXXX/XXXX/XXXX but only {$850.00} was made available to the account never the full amount of the {$1600.00} which means there are funds that still need to be disbursed and still I have no resolution from Wells Fargo as to were those funds are so by filing this complaint I am hoping to secure those funds that were taken away from the shared savings account due to fraudulent activity that has occurred on the person primary checking account.

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 09/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet Several accounts

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I set my account with Kohls on auto pay for my payments. I received a collection call from Kohls on XX/XX/XXXX for no payment in XX/XX/XXXX. On XX/XX/XXXX thanking me for setting up auto pay for my account. Come to find out that after you set up auto pay it does not take effect for 2 months. That is not spelled out in the auto pay agreement, which should be so that you know that you need to continue making payments for that time frame. I believe that they intentionally mislead the customer so that they can collect late penalties and negative credit reporting. If they are going to offer autopay to their customers they need to make all facts regarding the time frame for the auto pay to begin.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We received a payoff that had an amount good through XXXX XXXX, 2016. The full amount of funds were wired to Carrington Mortgage CA XXXX. Their company did n't upload the correct amount of funds-they uploaded a smaller amount and rejected the payoff. When title and I called they could n't give us an amount and kept saying it was in foreclosure. I was referred to a lady XXXX, their attorney, who stated it was not in foreclosure and no additional fees had been assessed. Carrington Mortgage has added an additional {$800.00} in fees they ca n't explain to me what they are for. They will not release the house or take the funds unless we pay this amout. The home was never filed to be in foreclosure. They are also now charging us additional days that they returned the money for but they never even uploaded the correct amount on XXXX XXXX. Today is now the XXXX and they are still charging us because they wo n't accept the funds. Title sent them the exact amount on this payoff Carrington Mortgage provided ... giving the balance through XXXX XXXX but to add {$26.00} per day until the XXXX. As I stated the funds were wired XXXX XXXX in the amount of {$200000.00}. Carrington Mortgage only uploaded {$200000.00} Then stated it was n't enough to payoff and returned all funds. The loan is still accustoming interest as I type this though we sent balance in full almost a week ago that they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Customer service / Customer relations

Complaint: I have XXXX credit card accounts with Capital One : XXXX ending in XXXX and XXXX ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was n't regularly receiving statements from the company. I did move twice during this time period, but i made sure they were provided the correct contact information. As you can see my payment history prior to that period was stellar and has been since then. I made multiple requests to Capital One to update my reports due to the statement issue to no avail. I have even disputed directly with the bureaus who advise the grantor has closed the dispute, which should not be allowed. I am now requesting your help to have credit reaged. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Transaction issue

Complaint: I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I have received numerous calls/voicemails from a XXXX XXXX, claiming to be from The Weinberg Mediation Group, she threatens to contact the local authorities to have me placed under arrest. She has also called my Employer, family members and states the same information. I have inquired with a XXXX, IL Attorney regarding and was advised this is a scam and to file a complaint. 
Phone Numbers calls are received from ; XXXX & XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation