milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a XXXX XXXX credit card on my credit file, states I am an authorized user..I have never been a user on that account and do not have a card ( the account with a {$4000.00} balance ). I talked to XXXX XXXX and they have corrected it on their end but I need it removed off my credit reports.

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 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : XXXX XXXX XXXX .... / XXXX XXXX - being reported with any validation of verification ENHANCED RECOVERY CORPORATION XXXX - being reported with any validation of verification XXXX XXXX - being reported with any validation of verification XXXX XXXX XXXX XXXX XXXX .... / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX .... / XXXX XXXX XXXX .... / XXXX XXXX XXXX .... 
I would like them removed immediately!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Non-federal student loan) with Loan Science, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Contacted Transunion about being a victim of there inquiry issue. I have inquiries on my report they added which isnt mine and they refuse to help me saying I wasnt a victim.TransUnion failed to follow the LEGAL procedure to add inquiries to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (DE).
Issue: Making/receiving payments, sending money

Complaint: My Husband and I have a joined account and I notice that we had a XXXX transaction that we did n't recognize. We both called Ally Bank and explain the issue. The representative took both of our information and said that she did see anything on our new banking cards, she ask if we had lost or a card stolen my husband replied yes last XX/XX/XXXX ( lost but found a day later in the house ) the same day he notice his card missing he call and had it cancelled then the next day he cut up the card. The rep told him that this account may have still been active because he had a automatic payment attach to the account. My husband told her that it was for waste management and that that was in correct because that card was cancelled and put on the new card. But some how we still have money coming out of our account that they refuse to give back. but it 's not coming from the ATM cards we have now. They offered to give us new cards but not set up a new account. What should I do and we are 15 day from XXXX? Note I called the address on my bank statement where the money was said to be spent and it 's a day care in XXXX XXXX OH. and the XXXX in XXXX NJ

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 03/16/2018 about Debt collection (I do not know) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called about my dead brother. He's been dead for years.

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 06/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I was provided with a quote for 4.25 % interest rate and 4.268 % APR on Monday XXXX XXXX, 2015 from XXXX XXXX at Wells Fargo Home Mortgage. On XXXX XXXX when I went to lock the rate the APR jumped to 4.291 %. When I confronted XXXX about this he had to look into and talk to his manager and pull some strings to get it back to the original price. I have since received a Good Faith Estimate confirming the 4.25 % interest rate and 4.268 % APR. Today, XXXX XXXX 2015, I logged in to my loan tracker on Wells Fargo.com and the " locked '' rate jumped to an interest rate of 4.375 % and an APR of 4.43 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: My car Loan has a status of " current '' with Santander. Santander is reporting to all XXXX CRA that my status is C/O. I am current on my auto loan since XXXX of 2016 yet my CRA are reporting C/O. 
I would also like an explanation of a fee of {$700.00}. I asked for a detailed invoice to understand what fees are being charged adding up to {$700.00}, I was told they do no offer a break down.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit card () with U.S. BANCORP (WI).
Issue: Rewards

Complaint: My US Bank XXXX XXXX credit card offers 5 % cash back every quarter on categories that I choose. For the XXXX quarter of 2015, I choose electronics as XXXX of those categories and made a purchase in the amount of {$1900.00} at XXXX based on receiving 5 % cash back for this purchase. XXXX is specifically listed on the US Bank XXXX XXXX rewards site as " popular merchant in this category ''. On my recent statement, US Bank is only crediting me the standard 1 % cash back. Upon contacting US Bank, they explained that I was n't eligible for the additional 4 % because the merchant coded their transactions as Catalog Merchant rather than Electronics. While I understand that US Bank ca n't be held liable for how a random merchants codes their transaction, by listing them as an example of a merchant in that category, they are falsely implying that transactions with that merchant will receive the 5 % bonus ( despite the fine print that they ca n't guarantee a purchase will qualify for 5 % rebates ). US Bank has not done their due diligence to verify that their list of example merchants is accurate and as a result is deceiving their customers. This deception affected my purchasing decision. I would not have made this purchase without the promise of 5 % cash back and as a result have been injured in the amount of {$79.00} in lost rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: USAA has made a practice of repeatedly reordering items to charge overdraft fees on my account. On XX/XX/XXXX, I had a {$29.00} charge to a store called XXXX XXXX leaving {$40.00} in the account. A pending debit charge for {$50.00} cleared on XX/XX/XXXX. USAA admitted it was the {$50.00} debit charge that was " pending '' on the XXXX that caused the available balance to be negative XXXX dollars on the XXXX. Because they are not allowed to charge overdraft fees on debit purchases because I have opted out of overdraft protection, they stated the {$29.00} ACH made the account negative, even though it came first and there was {$40.00} left in the account after that charge. They said that since the {$29.00} charge was the only charge that actually went through that day, thats the one they needed to charge the fee on. I said if the other charge didn't " actually go through '' until the XXXX, I shouldn't be charged any fee anyway because on the XXXX there was a deposit for {$280.00}, which more than covered it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or around  XXXX   XXXX , I requested a dispute of an account (   XXXX   XXXX   XXXX  ) with Experia n Reporting Services ( Dispute  #  XXXX  ) this account was not obtained, authorized and I did n't benefit from its opening. These facts were expressed to the live operator spoken with about my disposition and there was also a notarized Identity Theft report (  XXXX  ), which specified the aforementioned. This was done according to the FC RA sec605.b. This congressonal act gives specific direction to the block accounts specified by a victim of I dentity theft. Instead of blocking the account the service agency, took a " Paid '' account and reported it as a late or Potentially Negative Account, in addition they requested that I contact the creditor as they had no direct contact information on my reporting profile.

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 03/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$2500.00} as income. This is false, I did not receive that amount. I only received {$1000.00}. Now that I am filing my taxes, It looks like I received {$2500.00} when in fact, {$1500.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Medical debt) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Repeated phone calls to my employer after he was asked not to call anymore. I have records of every phone call to the office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Trouble during payment process

Complaint: Per our conversation with XXXX XXXX at Wells Fargo Executive department on Friday XX/XX/XXXX, I have attached the additional documents that are pertinent to resolving our mortgage matter. 

XXXX XXXX 's email to us as customers last month was " Wells Fargo is committed to making things right with our customers. '' After speaking with you on the telephone Friday XXXX/XXXX/XXXX, that is not the sentiment you expressed. You still emphasized that Wells Fargo does n't select the contractors. That is not the point at hand. 

We could not have our closing until we meet Wells Fargo 's requirement to select a contractor that meet Wells Fargo 's protocol for validation. We did not know XXXX XXXX prior to this transaction. 

I was ensured by XXXX XXXX XXXX at the Executive Wells Fargo 's department on XX/XX/XXXX, that a new pair of eyes would review our concern. 

You are eyes are not new and we believe they are tainted by the entire 203k loan department which is no longer in existence because of illegal practices. 

We request that another Executive representative take a new look at our entire mortgage application. 

First, we were first-time homebuyers and that was not selected on our application therefore we were precluded from additional benefits as first time homebuyers. 

XXXX XXXX did not explain to us that we have MIP rather he said we have PMI which is significantly different. 

The contract we signed was in-conjunction with our mortgage closing and was not a separate document between XXXX XXXX and us. 

According to Connecticut state the law the Homeowner Contract agreement is not legal nor valid in our state. ( attached ) Moreover, Wells Fargo has hundreds if not thousands of 203k loans in the state of Connecticut and we believe our State 's Attorney needs to investigate and expose the validity of Wells Fargo loan practices. 

We received from the Department of Consumer Protection that your validated contractor was  sanction a forfeiture and the Attorney General 's unit can investigate the Unfair Trade Practice Act that was clearly ignore and not upheld by Wellls Fargo. ( attached ) This has been a two year over extended abuse from Wells Fargo and XXXX XXXX 's needs to be made aware of our situation. 

We do not desire to argue with you or debate. 

We need to be removed out of the MIP and Wells Fargo needs to refinance our loan without us incurring any further monetary depletion. 

Wells Fargo 's actions against us as first time homeowners is abusive, remorseless and inhumane. 

We need to be made whole as paying customers. 

Respectfully, XXXX and XXXX XXXX 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 05/30/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had  XXXX   XXXX  many years ago ... .Account was closed by me for billing errors ... .on  XXXX   2014 , ... account was paid in full by me ... since then It has shown up on my credit report with a few different collection agencies ... .I have disputed them all and they were taken off ... now as of recent they sent to another collection agency  Eos Cca  {$2200.00} and now is back on my credit report! I do not owe them anything ... .please remove ... .thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I arrived home at XXXX XXXX XXXX XXXX, XXXX, NC to find another notice stating my home is being considered " Abandoned/Vacant ''. Is this some sort of ploy by the mortgage company to avoid responding in writing to complaint Case number : XXXX? They are threatening to remove my locks again and lock me out of my home on the grounds that it is " Abandoned/Vacant ''. How can they keep doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Trying to work with banks that hold the lien to my clients property. My clients XXXX borrowers ) have to short sale this home because as a rental that tenants were not paying the rent and that put my clients behind also had maintenance issues that came up that the borrowers did not have funds to fix. We got approval from the first who is XXXX after 5 months. So now the XXXX lien holder who is Chase is denying the approval because they are saying that purchase price is too low. The first is giving Chase {$12000.00} to move forward but this does n't seem to phase them, XXXX Chase XXXX as they areare more concered about inccreasing purchase price?! Does n't make sense why second lien holder would not take what I believe is a generous offer from XXXX. My clients are besides themselves. They really thought that we were so close to closing. They have run out of chances! We need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On  XXXX   XXXX ,  XXXX  my Navy Fe deral Credit Union checking account was closed due to check fraud. I advised Navy FCU I had been an victim of identity theft. Navy FCU n ever advised me of any additional steps to take to revive my checking account. I recently filed bankruptcy chapter  XXXX  and on  XXXX   XXXX ,  XXXX  my chapter  XXXX   discharged. I sent Navy FCU an appeals letter along with proof of bankruptcy and identity theft. I would love to establish a new relationship with Navy FCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I currently have an outstanding credit card balance with Bank of America based on one of their special offers where you have a certain amount of time to pay off the balance with out being charged interest, I have until  XXXX   XXXX  to pay the balance in full. I was surprised when I received my  XXXX   XXXX  statement to see I had been charged a minimum interest fee of {$1.00}.     When I contacted BOA the customer service representative stated I was charged interest based on their annual fee of {$75.00} because the annual fee is added to my account as a purchase, he also stated since the annual fee was charged on  XXXX   XXXX   XXXX  and I did n't make a payment until  XXXX   XXXX   XXXX  I was charged the minimum interest and even though I pointed out that I made a payment on  XXXX   XXXX   XXXX  he would not credit my account the {$1.00}. I also argued this is not ethical as they are charging me a fee against a fee.

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 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brown and Joseph, Ltd (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have received 3 letters from Brown & Joseph for a debt we do not owe. I responded to the first letter with a fax and letter stating the debt was not ours and not to contact us again in regards to this debt. When we received the second letter, I sent a certified letter with a copy of the first letter and another letter stating not to contact us again. When we received the third letter, I called and left a message with XXXX at the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I made a wire transfer to Coinbase XXXX days ago. I contacted my bank the XXXX XXXX XXXX, which I believe is the XXXX XXXX, but they both claim the money went through a long time ago. I submitted multiple inquiries through email, twitter for days but no one replied. I tried to call them but they said they could not handle money transfer through the phone or do not even pick up the phone.

Company response to consumer: Closed with explanation