milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion has no credit history for me. I called multiple creditors and verified that they were reporting to TransUnion and all of my personal information is correct. TransUnion refused to open an investigation or a dispute relating to the fact that they are reporting inaccurate information about me. I have XXXX different credit accounts all in good standing. XXXX and XXXX are both reporting accurately, but TransUnion tells me I have to contact all of my creditors and tell them to contact the TransUnion local marketing department.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Inaccurate information being reported to credit agencies. Reported that account is 120 plus days late. Account was in good standing, now is paid in full. Multiple calls get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (GA).
Issue: Managing the loan or lease

Complaint: I have been unable to drive my vehicle due to Exeter not sending my Title to the Georgia MVA over a year ago. Upon discovering this at the end of XXXX when I attempted to renew my registration, I requested Exeter send the title so I could register my vehicle. It has still not been sent as of today, XX/XX/2017. 

When I spoke with a representative in XXXX, she agreed to have the payment that was due moved to the end of my total payment cycle. That was not done, and Exeter is reporting me as being 30 days late to the credit bureau for a vehicle I have been unable to drive due to their inaction. 

Additionally, they have repeatedly sent the wrong document, which I have told them every time it happens. Some of the representatives have been extremely abrasive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AE).
Issue: Loan modification,collection,foreclosure

Complaint: In 2010 I filed for Chapter XXXX bankruptcy in the U.S. Bankruptcy Court of Nebraska which was approved XX/XX/2010. At the time the largest debt was a mortgage which was held by Bank of America at the time of the bankruptcy ( previously the loan was owned by Countrywide Mortgage. This was a refinanced mortgage from an XXXX loan that we used to initially purchase the home. At the time of the bankruptcy I was going through XXXX for the XXXX. After the bankruptcy was approved my wife and I have tried everything imaginable to give the home back to the bank with zero success. We returned the keys to the bank, cleaned the house- moved out. We hired an attorney to try to conduct a short sale on the house, which the bank made so difficult it was impossible to short sell the house to repay the bank as much as possible. About two years later while I was XXXX at XXXX, TX I was contacted by a representative from BOA who tried to get me to rework the loan despite the fact that the mortgage was discharged in bankruptcy. I tried to explain to him that there was no loan to " rework '' because it was discharged in bankruptcy. He became very belligerent and I calmly explained to him that his behavior was n't permitted per the paperwork I received from the Bankruptcy court. He calmed down and claimed that he would do some more research after I gave him the bankruptcy case number and other info concerning the bankruptcy. Several months after that time my wife and I began receiving statements from BOA claiming that they were paying lawn care ( which we have learned has not been taking place according to our prior neighbors who claim that the city has been mowing the grass ) and homeowner 's insurance on the property and reflected an outstanding balance. Then BOA sued my wife and I in a foreclosure case in County Court. Finally we sought the assistance of a Legal Assistance Attorney with the JAG office here in XXXX where we are now stationed. We tried to settle this case by offering to execute a Deed in Lieu of Foreclosure which was sent to the attorney representing BOA. She submitted the settlement offer to BOA who refused the settlement offer because they claimed incorrectly that there was a HUD lien from the original mortgage that Bank of America ( or the predecessor Countrywide ) did not have cleared when they assumed the loan.

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 12/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Other banking product or service) with U.S. BANCORP (WA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry on my report was not authorized

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 09-07-2016 about Debt collection (Medical) with Professional Recovery Management (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2016 I was notified through credit monitoring that I had a collection in the amount of XXXX on my credit profile from Fox Collection. Prior to seeing this on my report I had no idea of who this company was and why were they on my report. After I looked the company up and contacted them they advised me that I owed them XXXX from a past due medical bill that I was not aware of. After a lengthy conversation I was told that they had the right to put it on my report even with me not being aware of the bill. She said that they mailed a bill to me in XXXX and I probably did not read it because it was not labeled from an collection agency. I am trying to find out is it fair practice to make only XXXX attempt to communicate with a customer and then place it on their credit profile. I have no problem paying the bill if they are willing to take it off of my credit profile because truly they made no attempts to contact me to make me aware of the bill.

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 02-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. Bank accounts have been opened using my personal information by committing fraud.I am not responsible for any charges made to these mentioned accounts.According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies.  Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service ((CD) Certificate of deposit) with ASTORIA BANK (NY).
Issue: Account opening, closing, or management

Complaint: Astoria Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is " You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (WI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiry on consumer credit report.

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid  " medical data '' a ccount with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score a nd is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not solicit this company for their business BMO HARRIS BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: I. Bought phone from amazonI return the phone backUsing the Seller return packageThe seller denied the package 3 time according to XXXXThe package get lost afterChase bank dispute dept. Send me a laterTelling me I have to bay for itWhen I call a lady her name is XXXX told me that they did n't see the tracking number and they just find out they report this to the credit agancy calming that I 'm responsible for the amountNow almost 2 month trying with thisAll I get is we going to give a call backMy supervisor would like to inform youMy name. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: Wells Fargo is reporting my auto loan payment 30 days late when it was n't. The payment was 28 days late and I have the receipt from Wells Fargo that they sent to me proving it. Wells Fargo admitted on the phone that is was a mistake and it 'd be removed from XXXX that day. That was THREE days ago and it 's still on there and today they reported the same to XXXX XXXX. It dropped my FICO XXXX points! I was scheduled to sign a mortgage application today at XXXX but it ca n't happen now, causing me to lose the contract on the house I 've been waiting for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. mishandled my private information ( address, name, SSN ). This private information was made available ( either by grossly negligent incompetence or possibly malice ) by Equifax to parties who wish to use my private information and therefor my identity, fraudulently. Equifax failed to conceal this information from these fraudulent parties, making me a potential victim of identity theft. 
This fact of this mishandling was made public around X/X/2017 and I had to read about it in the news before I was informed personally by Equifax by any type of notification such as letter or e-mail. 

I used Equifax 's services in years past to retrieve free credit reports to ensure my credit was free of fraud. This free service is guaranteed by the US government. Apparently this service is also tied to an arbitration clause. Having an arbitration clause tied to a free service guaranteed by the US Government, and which is only available by 3 different companies is suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Using a debit or ATM card

Complaint: I purchased a dress from XXXX in late XXXX and returned it in XXXX. I reached out to the merchant and was inform on XXXX that Pay Pal had taken the money from her and that I should have been credited. I filed a claim with my bank XXXX XXXX XXXX XXXX XXXX who tried to get the funds from Pay Pal and was denied. The merchant all this time was under the impression that I had my money. I reached out to Pay Pal and told XXXX ( case # with Pay Pal XXXX ) that the merchant had their merchandise and to please refund me, Pay Pal refused. So neither the merchant or myself has the funds..

Company response to consumer: Closed with explanation