milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, i have more than 30 hard inquiries that i dont recognize and it is hurting my credit and interest rates ... becuase it i could not have a better offer from credit card companies and im paying high interest rates. I cant lease a vehicle or buy a house with moderate interest rate. 

I would like your help. 

Thanks very much 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 12/13/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Problems when you are unable to pay

Complaint: Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a credit account with XXXX. I live in the XXXX, TX area and was flooded out by Hurricane XXXX in XX/XX/XXXX. I lost everything. I received an email from XXXX saying they are here to help. So, I called them and explained the situation and that I would not be able to make a payment for a while. They said that was fine. I specifically asked them if there would be any late fees or would I be reported to the credit bureaus as late. They said no. I check my credit report and they are reporting me as two months late. I do n't wish to do business with a company like this so I closed my account and will pay the balance, but I want the late report taken off my credit report. I have paid my bill on time ever since I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a secured credit card from wellsfargo.. I closed it in  XXXX / XXXX /   2014 to  many issues using card and eventhough I had  XXXX  dollars as deposit and was only able to use half the amount on card I was constantly getting fees. so I closed it and was told that everything would clear and account would be closed. instead they charged me  XXXX  I had fought them even got a letter stating it was cleared. it is still on my credit reports.. my letter from them was destroyed in hurricaine.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section XXXX ( XXXX ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.

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 09-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Advertising and marketing

Complaint: I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I attended college later in life ( a XXXX career ) with a degree where I have always worked for XXXX and not have a moderate salary. My loans are managed through Navient. I have paid on the loans for years and the balance is barely moving down. I 'm about to retire in two years so my income will be reduced greatly, how do I handle this? I 'm told I do n't qualify for loan forgiveness because I did n't enter a program when I graduated in 2003. Help please, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (PA).
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: My complaint # XXXX about Chexsystems regarding XXXX XXXX XXXX account # XXXX still has not been resolved. The paperwork provided by XXXX  XXXX XXXX does not validate the alleged amount owed ( {$880.00} ). This is my third request for a re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Medical) with Firstsource Advantage, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 

1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XXXX XXXX XXXX my checking account was hacked for XXXX $ and I thought no big deal and XXXX XXXX XXXX was account was hacked by the same person or persons for XXXX XXXX I bank at Chase Bank and at first they told me it would take 24-48 hrs. to retrieve my money and then that turned into 10 days. By the banks advice I closed my old checking account and opened a new one. The bank then said they tried to put my money in the old account and could n't because it was closed. So then they told me it would be an additional 10 days because they had to go through the process of verifying that the money should be transferred and I told them they already decided to transfer the money why would this process have to be done again and they did n't have an answer they just said that it would. Then after that 10 days expired I called again and they told me it would take until XXXX XXXX before my money would be returned. At this point I do n't have a good feeling that will happen, they will come up with something else as an excuse and that will make it almost 2 months that I 've been without close to a XXXX dollars and I do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MI).
Issue: Trouble during payment process

Complaint: In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 sent a dispute to XXXX XXXX in regards to account number XXXX and XXXX , Transunion , and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let XXXX XXXX   send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by XXXX and there was a 30 late in XXXX of XXXX for non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency is XXXX of XXXX they also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA.

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 02-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am tired of the broken and failed processes at FedLoans. Why is it every time a change is made in my normal payment plan, there is a break in payment process with a requested {$5.00} payment that does not count towards my Public Service Loan Forgiveness Program ( PSLF ) program. I am XXXX years old, XXXX of these {$5.00} non-payments over 10 years that does not count towards my PSLF program, is more than 10 years my PSLF program is delayed from completion, i.e. almost a year is added to the 10-year wait. This affects both my finances and retirement choices towards the end of my career. I am willing right now to make any on-time regular/normal payment ( non-inflated due to process ) during each transition between plans that counts towards my PLSF program. Why is this process so broken, and whatever genius came up with the {$5.00} temporary payment is not doing consumers, federal workers and veterans over XXXX years old any favors. I am requesting that this information be passed on to a person who can make a determination and advise on how I can make regular payments without interruption? If this needs to be elevated to supervisors or a fed loan consumer advocate then please do so, I am tired of having my student loans mismanaged by Fed Loans with requirements that defeat the purpose of the PSLF program and may violate consumer protection laws. It is not in my interest to make {$5.00} non-payments over the age of XXXX, especially if my health does not permit me to continue until past the age of XXXX in my current position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I mailed a request for a copy of my credit report using the form provided and completed the information they requested. Experian was the company I requested the report from. 
It has been over six weeks, and I have not yet received a credit report from them and they have not been in contact with me.

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 08-09-2017 about Student loan (Private student loan) with DISCOVER BANK (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I logged into Discover Student Loans XXXX on X/X/2017. I noticed in the top right hand corner there was a message waiting for me. I rarely log into Discover Student Loans because I pay them the same amount each month as I have for the past several years. For the second time since XXXX 2017, there was a notification that my interest rate had increased. In XXXX my rate increased from 3.75 % to 4 % and then in XXXX they increased it to 4.25 %. I was not given a written notice, or any correspondence regarding this increase. I check my credit score regularly and it has continued to increase so it can not be related to that. Also, I have already paid over {$13000.00} above the principal balance over a period of 11 years and I still owe them over {$5000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: On XXXX/XXXX/2016 at approximately XXXX, I called XXXX to inquire about an Amex Everyday Credit Card offer I received in the mail. I spoke with a woman named XXXX XXXX and explained that my only interest in applying is so that I can consolidate some debit form another credit card I already had. I stated that if the credit limit was n't high enough for my balance transfer needs, I would be declining the offer. 

At the end of the phone call, XXXX said I had qualified for a {$2000.00} credit limit and I told I would like to decline at this time because the limit was n't sufficient to help with my consolidation. XXXX said I would receive some information in the mail, and if the card came, to just " ignore '' it and nothing would happen. 

By XXXX/XXXX/2016, I started receiving letters with my new PIN and also a letter stating that my balance transfer was n't approved. I later also received my physical card in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (NY).
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: Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away

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