milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with XXXX XXXX XXXX, XXXX, and Tranunion. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my 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 explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is XXXX State of Ohio tax lien still showing on my report that were withdrawn XX/XX/2017. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Ohio State release forms ( which I will also attach here for you ). I have also verified and sent this to the other credit bureaus XXXX and XXXX and they have removed the lien from my credit report immediately. Equifax continues to improperly report the lien and refuses to recognize the withdrawal and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: There was a withdrawal from my escrow account in the amount of {$1300.00} and the loan servicing company, XXXX, does n't know why the disbursement was done nor do they know where it went to. This occurred on XXXX/XXXX/2014 and I have called them monthly ever since but with no success on getting them to credit my escrow account. They even acknowledge the mistake but will do nothing to correct this. Now my escrow account has a shortage and they have also increased my monthly payment because of this. I have requested to speak with supervisors or a manager but I have n't had much success getting one to return my calls. I seek your assistance in this matter before I have to seek legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo is refusing to respond to theft and remove a hold on accounts. {$100000.00} plus is missing from the account through wire transfers, forged checks, on-line bill pay, credit card and XXXX XXXX XXXX cashed at Wells Fargo XXXX location. Also, checks from Credit cards and other banks were cashed through Wells Fargo XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Failed to apply/allocate payments to the accounts correctly. 
Obscured information and failed to notify of payment change, interest and late fees. 
Had I not discovered the problem by conducting an end of year review of my loans would have harmed my and my husbands credit as he is a cosigner on my consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I responded to a final notice from advocate health care by phone and talked to XXXX at XXXX and asked for a payment plan of XXXX month paid bi-weekly XXXX told me she would have to refer the matter to management and would call me back with an answer.I never received a call so i sent a XXXX payment via : money order # XXXX on XXXX/XXXX/XXXX I called again on XXXX/XXXX/XXXX and talked to XXXX at XXXX who said was sent a letter agreeing to payments of XXXX bi-weekly and informed me my account was sent to collections and could not be returned.I complained I was never called as promised or told to look for the decision in the mail. XXXX transferred me to XXXX where i spoke with XXXX who told me I made a payment on XXXX/XXXX/XXXX and the account was sent to collections on XXXX/XXXX/XXXX I informed her my money order dated XXXX/XXXX/XXXX was mailed on the same day XXXX/XXXX/XXXX. XXXX informed me she would send a email to the in house self pay unit who would contact me in XXXX hours this was XXXX on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX I received a letter from a collection agency dated XXXX/XXXX/XXXX with a threat to seek judgement from me for the full balance not minus my XXXX payment. I went through my mail and found a payment arrangement letter from XXXX dated XXXX/XXXX/XXXX that demands a minimum payment of XXXX not the XXXX bi-weekly payment i asked for.I still have not heard back from the " in house '' self pay department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Application, originator, mortgage broker

Complaint: We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX ( now NAVIENT ) student loan " late fees '' unlawfully reported on my credit report. I had a forbearance and still have an extended forbearance. 

The reason I had to take a temporary break from attending classes for the last XXXX classes of my XXXX degree and ask for forbearances is because XXXX XXXX I unknowingly experienced XXXX XXXX in the same week ... 
-my car was " totaled '' from a very minor fender bender -I lost the job I had at the time because I suddenly had no car -my dog who was my Best Friend, sporadically died after being diagnosed with a XXXX caused from XXXX in our rent house of 2.5 years that the owners discreetly knew of. 
XXXX. 
-I had to evacuate the rent house and find a place to temporarily stay while dealing with everything that just happened. 

My credit report currently has XXXX reporting late fees six times! They knew what happened because I called and explained after it happened. I had XXXX simultaneous extenuating circumstances, I want the late fees removed. I 've called to remove it and they wo n't. Because of this, I was denied financing for my replacement car making the only option to pay {$600.00} a month for a XXXX vechicle, denied refinancing on my car, denied getting into an apartment, denied buying a house, and if I try to apply for anything else I 'll have the same problem. I bust my tail at work, plan to finish the remaining XXXX courses of my XXXX degree, and live a joyful, successful life, I need my credit to be in excellent standing for this. 

These intentionally faulty claims on my credit report are n't my fault. I will not allow it to continue to destroy my life because the people at XXXX attempted to punish me by ruining my credit report. 

It 's been difficult enough picking up the pieces and rebuilding my life the best I 'm able over the last two years after multiple losses, the wrongful death of my Best Friend, paying bills, having to save money to buy a replacement vehicle, and having to replace everything from my rent house because it was ruined by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This is a XXXX complaint ... I am not seeing my situation as a choice so I chose Contact me after I asked not to ... The FIRST is that this purported debt collector, ARS, Account Resolution Specialist has been calling me for months to over a year and continually asks me for my personal information over the phone. There is no way for me to know who I am speaking with. When I refuse to give out my information, even after I say that I am myself, they hang up. This is harassing in nature. If they have my information and call me they should say what they have to say ... not continue to call me and ask me for my personal information. They are not accomplishing anything other than to PHISH for my information and seems to be a very unethical business practice. I suspect, but do not know for sure, that they are trying to collect for a medical bill which leads to the SECOND related complaint ... I suspect the debt is possibly from XXXX XXXX XXXX in XXXX XXXX ( I was very ill about 2 years ago and had to see several doctors ) XXXX seems to regularly and frequently sell their debts to varied collectors. If this is the case, then XXXX too is at fault in that when I call XXXX I am told I have one balance which on its face seems as if the insurance company has paid something else, but in reality there seem to be additional remaining debts attributable to XXXX that are impossible to track because XXXX has cast bits and pieces of the debt out to varied collectors and XXXX is either unwilling or unable to provide the debtor 's information to me. There is no way for me to have an accurate accounting of what I owe. This is unduly burdensome and virtually impossible to track. I received the most recent call on XXXX/XXXX/16 about XXXX CST. Also my father was in XXXX long ago XXXX and I am not comfortable including his information in this site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Hello I filed Chapter XXXX Bankruptcy and was discharged. I requested several times Transunions report and reason why inquires have not been removed from my credit report bringing my score down. I went from a XXXX to XXXX???? why????? I am tired of the credit reporting agencies reporting incorrectly and not helping me as a consumer rebuilding my life! They have not responded and its been over 60 days. I am unsure why they ahve not fixed this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with BANK OF THE WEST (NV).
Issue: Problems when you are unable to pay

Complaint: I was contacted on XXXX XXXX 2015 from a rep for bank of the west about my father being late on his car loan..my father is in XXXX vet and his vehicle is a XXXX for his needs. He had auto pay with this bank and someone stopped the auto pay so his payments have n't been made I have power of ATTRONEY on my fathers behalf and they refuse to knowledge it. XXXX XXXX and I had a verbal agreement on that I will make a payment on the XXXX of the month. As of XXXX XXXX 2015 at XXXX the van was repo. I did do the calculation onpayments and they are saying XXXX is behind when its behind XXXX for XXXX months and they refuse to show me a bank statement report on my account. They refused payment which I know is against the law and breaking a breach of contract correct.? I did file a complaint with local police and ATTRONEY did file a cease and dismiss claim XXXX weeks ago for hardship for of finances and they were served with the it. Since they violated the law I 'm I able to get my vehicle back and payment for this. MY fathers health due to all this harrsement has put a toll on him FOR the worst the bank took his independence away and wo n't take blame on their wrong doing and not working with us but against us. They put a hold on my fathers account holding funds so my father will lose everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was stunned after I obtained my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they  verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.

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 11/29/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last week ~XX/XX/17 I started receiving calls from an unknown number. I googled the number and it showed to be XXXX XXXX, though they never left messages nor their identification. I called the number back, twice and it said XXXX XXXX XXXX. The first time they refused to give me any information as I would not give my address as it seemed like a scam but said I owed debt. The second time I called I gave my address and he said he could not find me and that I would have to wait to receive something in the mail. I then called the number on the website instead and with just my phone number they said they were looking for a XXXX. The reason I find this so perplexing and odd is that when I called back the first and second time they repeated a name back to me that was almost like mine. I found this scary so I wanted to pursue the matter. I am unsure how they got a partial version of my name and number, but then said the debt was for someone else. I find it bizarre and concerning and want to make sure the credit I have worked hard to protect is n't going to be affected by some bogus company.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Credit determination

Complaint: I applied for a Capital One Venture Card. The disclosure notice stated that the Annual Percentage Rates ( APR ) are 12.9 %, 17.9 % or 22.9 % depending on one 's credit worthiness. I was surprised that I was assigned the 17.9 % APR upon approval and after Capital One ran my credit through XXXX. I had a recent XXXX credit score of XXXX, generally considered excellent. After seeing the rate Capital One provided me I immediately ran a credit check through Experian and I found no potential negatives on my credit report with all accounts are in good standing. I XXXX attempted to inquire with Capital One as to why I would not receive the better rate, and they said that I had agreed to the terms offered, that I should read the terms and they could not provide me any further assistance. In fact, I believe their application provides a range of APR 's until the applicant submits the application and then the applicant discovers what rate Capital One has granted the applicant. It is quite possible that Capital One has a standard that I did not reach with regard to credit worthiness. Unfortunately, I can not help but wonder who does qualify for the lower rate they advertise. With excellent credit, I would like to know why I did not qualify for the lower rate. If Capital One has a very narrow qualifying criteria for the lower rate, they should disclose what score is necessary to obtain the low rate or not advertise the lower rate. Generally, I believe Capital One should also be more transparent and forthcoming with what their standards are for interest rates for applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX  management calls me over  XXXX  times a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My account has been closed twice in under 3 months by Chase. I was charged fees for not maintaining a minimum balance because the bank ( Chase ) withdrew money from my account. I have not had access to my money for nearly 3 months and now I can not access my money and I am refinancing my house tomorrow and this is causing difficulty in me being able to make the payment to complete the refinance.

Company response to consumer: Closed with monetary relief