milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a  Chase  credit card customer for approximately 8 years. I currently h ave 7 car ds wi th Chase -- 6 personal cards and 1 bu siness card. I have never had a late payment and I have a  XXXX   credit score .  <P/>  Two days  ago I was shopping and went to  use my Chase bu siness card. It was declined. This was very frustrating and embarrassing for me as I had no other form of payment. However, I assumed it was a minor issue. Then I went on my Chase.com account and saw that all of my credit cards were marked with " this account has been closed. '' There was no explanation and no warning. Assuming there must be some mistake, I called i nto Chase on that same day. The customer service representative at firs t had no idea what had happened. Then he put me on hold and said that sometim es Chase will do an ac count " review '' and decide to close a person 's accounts. I told him that that made no sense in my case since I have a perfect payment history, most of my cards have no balance, and I never come even close to maxing out a card. He told me that that was all the information he could provide. I was dumbstruck.  <P/> How coul d Chase just arbit rarily decide to close all of my accounts? This made even less sense to me since I have just recently opened a new account with them, and it had to be manually approved so I had just a couple of weeks ago had someone f rom Chase revie w my account and credit and issue me the new card! The only remote possibility I could think of was that I had recently made a payment to my business card that was returned because of a bank error and I was charged {$39.00} by  Chase. However, I called into Chase about th at and they reversed the charge and I made a new payment so it was not an issue.  <P/> I really ca n't believe this. I have multiple automatic payments set up with those card a nd I use my Chase bus iness card on a daily basis. I 'm now scrambling to make sure that I do n't miss payments on various subscriptions that I have set up through those accounts. I have a high income and have never had any credit issues -- no late payments, no bankruptcy, nothing. The fact that the customer service representative was n't even able to give me a reason for the closure was even more upsetting. This is absolutely humiliating and unacceptable.  <P/> The current balances  on four of my Chase cards are {$0.00}. One personal card has a balance of ~ {$2000.00}, and my busin ess card has a balance of  XXXX  {$900.00}. Neither are past due.  <P/> I searched on  XXXX  and apparently I 'm not the first person that this has happened to. Someone recommend that I file this CFPB to help get my accounts reinstated.  <P/> Thanks you, and if you have any questions please do n't hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Closing on a mortgage

Complaint: I would like to report what I call illegal business practices. Wells Fargo Bank claims that they sold my heloc to a LLC that had their license revoked and could not perform according to the contract they sold. They did not report this to the IRS and will not provide the documentation even though there is a subpoena and a notice to consumer. On XX/XX/XXXX I called Wells Fargo executive offices and spoke with the woman in charge, XXXX XXXX regarding the message she left on my phone stating that she had mailed me a letter responding to my complaint to your agency. The conversation was more of the same. She will not provide me with a copy of the company policy stating whether or not it is customary and legal for Wells Fargo Bank to sell the servicing to a company that can not perform according to the contract who also had their license revoked making it illegal for them to do business. <P/>XXXX, XXXX had their license revoked at the time that Wells Fargo Bank claims they did this transaction. They were not an investment firm they were an LLC and used the same name and business license that the secretary of state revoked. The IRS had their license revoked making it illegal for them to do business. <P/>XXXX XXXX from the subpoena department stated that the executive office requested my file and they were not to send any information requested by subpoena because the executive office would be handling it. XXXX XXXX stated that she was the one that requested the information, but did not tell the subpoenaing department not to send the information requested in a legal subpoena duces tecum. The information has not made it to the courthouse yet even though they asked for an extension. <P/>The letter they claimed to have mailed me in XX/XX/XXXX regarding selling the heloc does not have their, Wells Fargo Bank letterhead and it looks like it was not the original letter. It looks manufactured. <P/>I also requested a copy of the letter and check that they mailed me in XX/XX/XXXX stating that they did an audit on my account and noticed they owed me some money from when the loan was originated. They now claim they can not locate the letter or the check. <P/>My Heloc loan number is XXXX. The address to the property for the equity line is XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 09/21/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe a hospital bill of some sort from the past and the company keeps threatening me that it will go on my credit report if I do n't pay them their money on time or if I do n't use auto debit from my account they keep daring me to miss XXXX payment. They call days before I even have the money to try to get it early from me. Although I 'm going through hardships at this time. They still call and call and harass me. Sometimes I feel like they are going to kick my door in. I also lose sleep due to the harassment and i stress a lot because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: We are requesting that the company drop the amount show on the balance. We will take further actions. Which involve sending it over lawyers. It is not my right account number or address on this Great Lakes Bill. We are asking for this balance to be closed account.
We Will also turn you in report violations on the company. If any more letters show up.
Take care, Best Regards XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Student loan (Non-federal student loan) with ALASKA COMMISSION ON POST SECONDARY EDUCATION (AK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Currently have an Administrative Wage Garnishment in effect that is 25 % of my biweekly pay. This went into effect without knowledge of a summons. Contacted Alaska Commission on Post Secondary Education ( ACPE ) about the issue, and was told that they were able to proceed even without my presence or knowledge. Attempted to negotiate a payment plan, but was declined. ACPE told me the only way the garnishment would be lifted is if paid in full. Their other alternative was filing for a reduction from 25 % to 15 %. Filed the proper paper work and was denied even that. I am in a place where I can pay affordable monthly payments, but want an option that wo n't keep damaging my credit. The XXXX on my credit has had a negative ripple effect on more and more as time passes. I am trying to be proactive with my finances, but ACPE has put me in a stranglehold from moving forward. I have called ACPE countless times on my options, and all I get is the same thing back. I can not believe there are no relief alternatives. No options after the administrative wage garnishment is in effect. After half a year of payments, no options.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (I do not know) with NAM National Arbitration and Mediation (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a spoofed number. I could tell because the area code was XXXX but the caller ID did n't have a state. They left a message saying they had something ( they did n't get specific ) attached to my social security number and would take legal action if I did n't return the phone call. I find it interesting that they would n't reveal their company name. Professional companies give information not shady messages. 
The ONLY way I will EVER communicate with them is if they mail me a copy of the original debt, who they are collecting for, a copy of a contract or payment agreement, and dates of payments I did make. Until I receive the above information they are not to call me.

Company response to consumer: Untimely response
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with AFNI INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I applied for and rejected a HAMP modification with my mortgage servicing company Ocwen Loan Servicing. They never canceled the modification after XXXX conversations and XXXX letters to the company. Upon making my XXXX payment per the online system in the amount of {$650.00}, which has cleared my bank account. I am now being told that Ocwen will report my loan as late as there is a balance remaining for XXXX in the amount of {$170.00}. Keep in mind in 10 years I have never paid a late mortgage payment and I have always paid my mortgage on line. No where in the online system did it state that my payment was anything more than {$650.00}. I have recently received my current billing statement for the month of XXXX and it states a total amount due of {$1000.00}. My normal mortgage payment is {$880.00}. When I call the automated system I am provided the following : payment for XXXX received {$650.00} ; Payment for XXXX due {$650.00} ; Payment to change XXXX/XXXX/15 from {$820.00} to {$880.00}. Ocwen can not get things straight and they are pushing it off on me. How do you get that I owe {$1000.00} when my mortgage payment is {$880.00}. 

Further, I am in the process of refinancing my mortgage and have requested a payoff statement which Ocwen is refusing to send or claiming they have emailed it yet nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax 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. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: we keep getting calls from midland credit which we do not or ever had any loans with and when we answer the phone they do not respond but when we call them back they want our phone number and we told them to quit calling but they keep calling our house

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Wrong amount charged or received

Complaint: XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16, XXXX XXXX XXXX received a call from and was informed that the loan was eligible for the XXXX Lien Modification Program, Extinguishment. XXXX XXXX, from Wells Fargo, advised that a package was being sent to me with the information and document needed to fill out. For two times, XXXX XXXX XXXX spoke with XXXX XXXX where he would ask for the document, but the package had been sent to the wrong address, twice. On XXXX/XXXX/16, XXXX XXXX XXXX told XXXX XXXX that if only the XXXX was needed, it could be printed out and sent. The XXXX XXXX advised that on XXXX/XXXX/16, I was going to the office to sign the document. XXXX XXXX, from XXXX XXXX XXXX, specifically said to XXXX XXXX that the form was going to be sent out on XXXX/XXXX/16. So, on XXXX/XXXX/16 the form was sent and received by Wells Fargo as promised. 
Around the end of last week I received a letter from Wells Fargo dated XXXX/XXXX/16, saying that I do not qualify for the program because I was non-responsive. 
First of all, this is the first time that they have my address right ... only to say I do not qualify anymore ... how convenient! 
Second, how was I non-responsive? They sent the package to the wrong address twice and we sent the form the exact date we promised to send it. 
XXXX XXXX, from XXXX XXXX XXXX, called to find out what is going on with the account. She was told that : 1 ) the XXXX was incomplete -- I will let you judge if there is any missing information on the form. There is only XXXX borrower on this account and everything is filled out. 
2 ) that calls were made out to XXXX, and that someone spoke with her several times and she knew about the incomplete form. That is all a lie. After she submitted the form on XXXX/XXXX/16, she did not speak with anyone else. We are the most interested in solving this issue. But of course, it is not in the best interest of the servicer. 
3 ) the representantive on the phone ( XXXX from the Recovery Department ) stated that right now the full amount is due on this account. However, she still tried to get information regarding payments, asking if the borrower was able to make some payments of at least {$50.00} ... knowing that this amount was not going to cover the whole amount and it will just put at least some money into the servicer 's pocket. That is just wrong! She even said if the borrower could make a payment for them to try to solve the issue regarding the letter I received, as if I needed to make a payment for them to do their job. They are trying to collect money from a borrower that qualifies to get this loan forgiven. 
This is all a scheme to continue to perform fraud against us the homeowners. I am turning to you for help. 
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 03-11-2017 about Mortgage (Conventional fixed mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with BBVA Compass Bank. My insurance agent regularly bills Compass Bank at the end of each year. Compass Bank is then to pay out of my escrow funds. On XX/XX/2016, Compass Bank debited {$1000.00} for my insurance policy for the XX/XX/2016 year. They then claimed that they did not have evidence of my insurance. They then debited {$630.00} for their own insurance on XX/XX/2016 despite having records of the existing insurance. After resubmitting proof of this double charge, Compass Bank only refunded my account {$200.00} of the {$630.00} they charged for duplicate insurance. 
I have tried to contact them only to be hung up on through their automated answering service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: For the past few months, I have attempted to get a credit card through XXXX. I have been told that there is legal action against me on my credit file. When I check each of my reports, there is no such information listed.

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 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: We obtained a refinance of the mortgage on our home.The new mortgager was GMAC.The title company never paid off the original mortgage with XXXX and XXXX principles of XXXX Title ended up in prison.We were able to negotiate a settlement with GMAC so we did not have XXXX mortgages on the same property.Subsequently GMAC sold our released mortgage to Ocwen who then tried to forclose on the property.We avoided the foreclosure and reached a settlement with Ocwen because they ruined our credit after starting foreclosure proceedings XXXX separate times.The question is since GMAC no longer exists do we have any recourse against GMACXXXX for violating the terms of the confidential settlement agreement?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have called Nationstar Mortgage multiple times to the so called 'reserve ' requirement removed from my monthly mortgage payment. They try to tell me that it 's a 'federal ' law ; sorry, it is not a federal law - it 's their company adding almost {$500.00} on my payments per year. Which I would be getting back at the end of the year because there will be an overage in my escrow account.

Company response to consumer: Closed with explanation