milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: They are showing that I have XXXX mortgages on my transunion with XXXX which is hurting my credit score when I only have XXXX. please remove the old mortgage I have a XXXX score with transunion and a XXXX with XXXX because of this error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem with customer service

Complaint: Everytime I try to get a credit card im never approved im asking to dispute all of my debits and try to figure out how and why I ca n't get approved for anything please help XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Problems caused by my funds being low

Complaint: US Bank charged thousands of dollars unnecessary fees when I had genuine right to dispute things like being charged twice or XXXX right to refund as trains were late 2 hours both forward and back from New York XXXX. Genuine disputes included XXXX posting a new York hotel price of {$89.00} and actually charging {$110.00}, XXXX charging {$320.00} and both reverse and forward being over XXXX hours late, XXXX and XXXX charging a bill even though I told them not to, a number of other charges I cancelled, a taxi cab charged twice, a XXXX Charged multiple times for some reason the staff member swiped repeatedly. Genuine disputes resulted in overdraft fees when not XXXX of them were necessary. They were all genuine disputes like I told XXXX, XXXX or other companies that I did not want to make payments as employers did not pay. 

Please ask US bank to overturn the thousands of dollars in fees and charges. XXXX company pay day loan company XXXX XXXX and XXXX had me pay XXXX to each of them, but US bank also charged thousands of dollars in fees when XXXX and XXXX pay day loan group had already paid the debt through a different US Bank account through over drafting the account when I particularly told US bank they should decline the charges XXXX and XXXX put through as not enough money. XXXX accounts they have in collections involve debts that are just made up and are not needed ; unneeded overdrafts creating debts. The fact that a pharmaceutical sold by XXXX 's caused me to throw up after an XXXX trip to XXXX XXXX as I had been beaten with XXXX XXXX broken bones coming home from work after XXXX is just a dispute ... genuine dispute .... but not a reason to charge many overdraft fees. Disputes are not reasons to charge thousands of overdraft fees impoverishing people like me exposed to XXXX at the University XXXX XXXX as my first XXXX degree XXXX. A consumer should be able to dispute buying a lot of XXXX food linked to vomiting and dispute the fair or charge without being charged unneeded overdraft fees amounting to over XXXX. XXXX in overdrafts really is ridiculous I was told that number by XXXX of the employees over the phone that that was how much they charged for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XXXX XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XXXX XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS

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 08/18/2017 about Debt collection (Payday loan debt) with BTH Management (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Unknown pay day loan from XXXX XXXX XXXX. Calls multiple times a day and phishes number to show up as local callers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: We have been paying my mortgage of XXXX to e company called Fay Servicing, XXXX XXXX XXXX Texas XXXX XXXX XXXX for many years. This is the third or fourth loan servicer for XXXX ( who actually owns the loan ) in the last 10 years. We have been paying my mortgage on time and without any problem for many years but Fay servicing ( A so called debt collector ) does not report on our credit to any of the the three major credit agencies. They claim that is not their policy to report our loan and this lack of credit history it is adversely effecting our credit value. This is an unfair procedure and should not be allowed. A financial institution should report accurately on consumers and not only adverse actions. 
Because today the credit check is used for many different reasons this is very important to us. Please help us resolve this issue as I know there are many other people in the same boat. I am a veteran and can not afford to have have a complete credit record. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 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: had my vehicle stolen and burned. I contracted XXXX XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. I have disputed this issues with all 3 credit bureaus ( XXXX, XXXX    and Trans Union ) and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX  list the amount owed as {$4200.00} ... XXXX XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. See the enclosed attachments ....

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 02-04-2017 about Credit card () with Alliance Data Card Services (NV).
Issue: Late fee

Complaint: Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Since the beginning of this year I have been applying for a remodification for my mortgage while in foreclosure status but have been denied twice by my loan servicer Ocwen. After they have moved the sale date twice as a result of my remodification application, I was informed by XXXX different people on XXXX different occasions that my property was not in foreclosure anymore, but delinquent. But the company still went ahead with their foreclosure proceedings and foreclosed on my house on XXXX XXXX. I only received a from their trustee after the proceedings occurred, and that letter was dated XXXX XXXX. I have filed a dispute with the XXXX at Ocwen for wrongful foreclosure, due to their employees willfully lying to me about not being in foreclosure, but they have denied any wrong doing, and are proceeding with the foreclosure. I live in this property with my wife and kids, and I should n't lose the when I have been falsely informed so I can lose the home. I would like to remain in the property and make my monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (VT).
Issue: Settlement process and costs

Complaint: I have been trying to refinance my triplex through PNC mortgage since XXXX of this year. The first time XXXX - XXXX they canceled the loan application, WITHOUT authorization from me. I restarted the loan application with PNC out of XXXX in mid XXXX and their processors are in Pennsylvania. I have been at the second time around since XX/XX/2016. I am so frustrated it is taking this long. I am currently financed at 7.75 % they offered me 3.5 % and said it would take 6 weeks. It 's going onto 5 months now. They said they were ready to close in XXXX, but the title company could n't match the address to the insurance paperwork on file. Now they just told me they need an appraisal. I was initially told that was not necessary. They told me today it did n't matter if it did n't appraise or not as it was just a formality! Why are they charging me almost a {$1000.00} for this. Why ca n't they use my assessor 's card? I owe considerably less than it is valued at. I do n't believe this will EVER CLOSE! ~!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.

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 02-12-2016 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (PA).
Issue: Problems when you are unable to pay

Complaint: Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.

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 09/26/2015 about Credit card () with BB&T CORPORATION (VA).
Issue: Credit determination

Complaint: While trying to obtain a VA mortgage loan, I was unable to obtain the loan because of an error on my credit report. I filed for bankruptcy chapter XXXX and the banking financial was also included in the filing of lenders to file against in the bankruptcy. The bankruptcy chapter XXXX was filed in XX/XX/XXXX and was discharged XX/XX/XXXX. The credit report states, it 's was a judgment and not satisfied, but it was filed with the chapter XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a one collection notice on XXXX XXXX, XXXX from XXXX XXXX XXXX. The collection notice was for XXXX XXXX in XXXX - XXXX XXXX XXXX, XXXX, TN. These medical bills were paid or written off. I 'm a XXXX Veteran. The VA pays all my non-VA medical services. I filed a claim per VA guidance and never received a bill from this facility or physician. 

When I contacted XXXX XXXX, they had changed their name to Wakefield and Associates. I wrote them a denial/dispute letter on XXXX XXXX, XXXX. I have not received any contact from Wakefield. I sent the dispute/denial letter certified mail. Wakefield received the certified letter on XXXX XXXX, XXXX, at XXXX XXXX, signed by XXXX XXXX. I have the scanned signature. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX, then XXXX. I was informed that I had XXXX bills from XXXX XXXX Hospital. I was told a supervisor XXXX XXXX XXXX would call me on XXXX XXXX, XXXX. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX was going to review the XXXX FAX I sent Wakefield, and call me back at XXXX XXXX to discuss. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX tried to get me to pay and I reminded him this account has been disputed. XXXX said he would forward me call to a supervisor. 

Basically this is a " ghost '' account. I used a local hospital, my XXXX covered the cost and the VA covered my deductibles and any other charges. 

I contacted XXXX XXXX Hospital on XXXX XXXX, XXXX, which I learned is now XXXX XXXX. I spoke with XXXX in patient accounts. She was able to pull up my services received for year XXXX. There were only 2 days of service, both in XXXX XXXX. They have been paid. I ask her to look up any service dates on me. She said there were only XXXX, XXXX in XXXX and XXXX in XXXX. Both have been paid at the time of service. XXXX is going to mail me these records ... because of XXXX laws she could not scan/email or fax. 

Please help me get these accounts off my credit report. Wakefield does n't seem to care or have any intention of having these removed. Why are these type of companies never held accountable? I 'm trying to work on my finances and keep a great credit rating for a large purchase soon, but this cost me XXXX points on my credit rating. This means a lower interest rate, or no financing at all ... basically this mistake is going to either delay my purchase or cost me money. 

Thanks in advance. 

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 05-01-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Customer service / Customer relations

Complaint: I took a cash out loan to pay off my Home depot Consumer Credit card & the title company overnighted them a check for {$5600.00} on XXXX, it was received in their office on XXXX & deposited on XXXX. They have yet to post the money to my account. I have called numerous times & been given the run around. I spoke to a manager named XXXX XXXX on XXXX at XXXX and was promised this was resolved. 2 days later my money is still not posted to my account & XXXX XXXX is refusing to return my calls. I faxed their payoff department on XXXX with the cancelled check & letter they asked for. They have had my money since almost 2 weeks & done NOTHING to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Savings account) with STATE FARM BANK, FSB (OR).
Issue: Deposits and withdrawals

Complaint: This is State Farm XXXX. Can you helpI handed XXXX XXXX {$40000.00} to put in to a saving account in XX/XX/XXXX to go with my life insurance so my son would get it if I die. I have Close all of my account with state ( for all of Lies ) as XXXX But for some reason He keeps giving me the run around and will not give me back my money. Every time I call him or his office they tell me it is going to take 7 days I do n't think he planning on paying me back

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (FHA mortgage) with ARVEST BANK GROUP, INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with DISCOVER BANK (MD).
Issue: Closing/Cancelling account

Complaint: XX/XX/2016, Discover cancelled my credit card due to 2 late payments more than a year apart. The payments were not 30 days late and the second payment was one day late.

Company response to consumer: Closed with explanation