milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-beingat risk.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: last year chase bank was informed that i never received the new debit card they indicated had been issued to me/ at that point in time, the bank was contacted because someone had ordered aand services using my bank card. 
the issue was never solved, the debit card never received, at said point in time, the bank was informed to close the acct and return the remaining funds and disputed funds. debit me for disputed funds paying same after being informed of the id theft. consequently, they additionally continued debiting the acct for monthly fees until all funds were disappaited r.after which, the bank continued to charge me for these items placing me in jeporday for same. 
in addition, they fefused to pay two cashiers checks in the amounts of XXXX and XXXX dollars. they have refused to reissue said checks in addition to the items listed above. the checks were issued by wasington mutual bank of wich they were hereditors, assignees, and or heirs to after havingabsorbed washington mutuaXXXX, XXXX XXXX and XXXX XXXX. in addition i have 8 certificates of deposit with the oroginal banks which now exceed 7 figures, again refusing to cure this situation on the part of the bank all attempts to resolve these issues were pursued with due diligence on my part and refusal to correct these errors on their part im a XXXX of a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid off.

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 04/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX, I wanted my XXXX score from EQUIFAX and was willing to pay for this. I ran into convoluted procedures indicating that, I first had to sign up for credit monotaring with opportunity to cancel within 30 days. I proceeded but did not receive any report. I called them to cancel and as assured that '' it was cancelled. However, XXXX {$4.00} charges showed up on my XXXX bank statement ( which I will dispute, of course. Reading the XXXX, I seem to be a victim of a common manner of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (I do not know) with FLAGSTAR BANK, FSB (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being called at least XXXX a day from Flagstar, stating that they are calling for a business matter. I do not have any kind of loan with Flagstar, and have at least XXXX time called Flagstar, spoke with a representative, explained who I was, and that I did not have a loan with Flagstar. Every time I have been asked if I am, or if I know who XXXX is, and every time I reply that I do n't know who they are talking about. The Representative then tells me that they will take my phone number out of the system, but the very next morning I receive the same phone call. I receive at least XXXX phone call from Flagstar everyday, sometime very early in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (VA mortgage) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had an overpayment of property taxes last year. The city refunded over {$600.00} to my mortgage company for the over payment. That money should have been sent to me within 30 days. It has never been refunded. They 've told me several times that it would be and that " a check request has been submitted ''. I started talking to them in regard to this situation in XX/XX/XXXX. They are holding my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive attempted to put a freeze on my credit information held by TransUnion five times, and TransUnion declines to comply with my request : - Their web site declines to accept valid information, referring me to a phone number instead - After navigating a tree of menus, I am put on hold for many minutes, then disconnected.

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 06/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We have a file with Wells Fargo HELOC as the XXXX. The XXXX mortgage with XXXX has been approved. We have had the file approved 3 times before with XXXX, but the buyers end up not working out. We have been going back and forth with WF for months trying to get an approval so we can get this property sold. Wells Fargo has denied this offer XXXX and will not give us any explanation as to why they would not approve. They will actually be getting more money on this offer that the XXXX previous that were approved. Wells Fargo just flat out will not let us know what we can do to fix the problem. We have done everything thing that has been asked of us and they just tell us it is denied and that is it.We are trying to save this house from foreclosure!! I just do n't understand why they will just flat out deny it with no explanation at all.I mean the first mortgage is only going to pay a certain amount to the XXXX, no matter what the offer amount, so what is wrong here? It ca n't be the amount going to them, because like I said before they are getting more money now than before.So why deny the offer?? We need an explanation. This property is going to foreclose if we ca n't get an approval.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I requested Experian to revolve a tax lien from my credit report as it does not belong to me. The credit agency says that they verified the information is correct. That is absolutely not truethe lien is not mines and should be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MS).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a XXXX XXXX XXXX card from XXXX XXXX. They are ilegally calling me several times a day from a unlisted number. I work in finance and you are not supposed to call from a blocked number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.

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

Complaint: Submitting complaint as I am potentially affected by the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XXXX XXXX. XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.

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 06-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: I have had this credit card since XX/XX/XXXX. I never had a dispute until recently so I never knew the credit card practices. 

XX/XX/XXXX I rented a car XXXX. The quote I received was for {$710.00} ( attached ). I expected to pay that amount when we turned in the car in XXXX. 

However, the car rental company started to charge my credit card at odd intervals, so it was difficult to determine what was happening. 

Here are the charges XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX disputed these charges but Chase Bank did not advocate for me. I am the customer and Chase Bank should require their merchants to honor their quotes. Is n't that what credit card companies are supposed to do? I do not know what to do next. Please advise me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I made on time payment and the bank is saying, my $ XXXX a months mortgages payment funds will not be applied to my account, plus they trying to force me to modify but I 'm very happy with my 3.250 % fixed interest rate.The Bank is SPS Select Porfolio Servicing, Inc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with U.S. BANCORP (IL).
Issue: Rewards

Complaint: XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not 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 monetary relief
Consumer complaint received 05-03-2017 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: Information belongs to someone else

Complaint: I HAVE SUBMITTED POLICE REPORT TO   XXXX   and EQUIFAX SEVERAL OCCASIONS AND DISPUTED ACCOUNTS I N 2016 THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY RE APP EAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH   XXXX   IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  FIVE D AY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Revenue Group is calling me frequently to collect a debt I am not responsible for. They called a few time almost every day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Bayview Loan Servicing from XXXX XXXX. Everything regarding my loan remained the same ( payment, etc. ). I made XXXX payments of my original amount to Bayview for the months of XXXX and XXXX 2015. In XX/XX/XXXX, my payment increased from XXXX to XXXX. I was told this was because they added escrow. When I was with XXXX XXXX, I did not pay escrow because we were responsible for our own taxes and insurance. Bayview paid the escrow on my property and that is why my payment went up. I called and was instructed by them to send them a letter stating that we were responsible for escrow payments and they would restore my payment to its original amount. We paid {$1500.00} for our mortgage in XX/XX/XXXX because it was the end of the month. I mailed a certified letter to Bayview regarding my escrow and taxes and was told that it would take XXXX days to process. When I called after the XXXX day, I was told that it would take XXXX days, so my payment would go back to its original amount on XXXX XXXX. I was also told that they had received my paperwork. It is now XXXX XXXX. I called Bayview to make my payment ( late fees were waived ). The payment has not changed. We are now being informed that they will not remove the escrow because we were a day late paying our taxes. Bayview is not abiding by the original terms of my loan. I do n't understand this. We have not been delinquent in paying our taxes or our insurance. My mortgage payment has now doubled which is putting me and my family in a financial hardship. All we are asking is that our payment return to the original amount. We have the funds to pay Bayview back for the escrow that they paid. We had it the whole time. We need your assistance immediately!!!! Thank you. I was just informed that their systems went down and that I could no longer speak to anyone there. I would have to call back and speak to someone else. I have explained this situation to so many people over and over again.

Company response to consumer: Closed with explanation