milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I  never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

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 12/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I am a consumer who applied for a cared credit card for vision purposes in XXXX 2014. I was under the impression that I would not pay any sort of interest for 18 months on my XXXX purchase and would only acquire interest charges after the 18months was over. I received inadequate explanation of the terms from the store rep and at not time spoke to an actual Care Credit rep during the application process. I also did not receive any copies of the care credit agreement that explained the deferred interest rate of the crazy 26.99 % When I went to make a payment online I noticed and interest charge for over {$700.00}. I called care credit and pretty much told me there is nothing that they can do, but only offered to remove charges if I paid my remaining balance within a week. which I cant. Also only said that they are sorry that the vision rep did not explain how the deferred interest charges would work. I am truly stressed out about these charges and would like your help. I wrote a letter to the corporate office, but was told but a care credit rep that it may take over a month for them to reply to me. Please Help! Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/24/2017 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: While going through paperwork I found an Automatically Renewable Personal CD that was opened at  XXXX   XXXX   XXXX  Bank in  XXXX , NJ on   XXXX   XXXX   XXXX   XXXX  n the amount of {$4600.00}  XXXX   XXXX  was purchased by  Wachovia and then Wachovia was purchase d by  Wells Fargo Bank. I went to my local Wells Fargo branch  office with the  XXXX  and I was told that the  XXXX  is too old and they have no way of tracking it. I was instructed to go to the state of NJ - Department of Treasury for unclaimed property. ( https :  XXXX   )  NJ has no record of my money.  I then phoned Wells Fargo again. I was informed that they researched and again have no information. Please note, that I have the Original Time Deposit Automatically Renewable Personal CD with   Account Number in my hand. Thank you for any assistance that you can provide.

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 08/24/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: In the month of XXXX 2017, one of my business associates sent me {$4000.00} and {$3000.00} through PayPal. PayPal does not allow me to use my funds for well over 3 weeks. I have to call them constantly and beg for them to release the funds. In addition, there is a very long wait, usually over 30 minutes, to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with Williams & Fudge, Inc (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX. I attended The XXXX, XXXX XXXX XXXX XXXX South Carolina from XXXX. I had a balance of {$13000.00} that was turned over to Williams and Fudge INC. collections agency. I 've been making payments to them since XX/XX/XXXX, however they are not reporting my payments to the credit bureaus and they are not providing statement to me showing how my payments are applied. I 've also noticed on my account that they 've added an additional charge of {$4100.00} to my account, which I find it unfair and unreasonable. I am currently serving in the XXXX Army and my interest rate should be lowered to 6 %. The charge added to my balance seems to be close to 30 %. Please investigate and let me know your findings. I would like to see my payments applied to my balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home is being foreclosed on fraudulently. Once a month we would get a note says XXXX is claiming that the home is empty, so we would call and tell them that we lived there ( phone records to prove it ) The letters stopped A few months ago. Since then XXXX XXXX that look like XXXX showed up at our home while we were at work. Claiming to be from the bank. They told our neighbor that they had to clear the property and make it look like no one lived there. They stole items from around our home, yard, back deck, and threw our dog igloo house and lawn mower over the deck down to the creek. We have neighbors that witnessed this. They have enter our home illegally and changed the locks not once but twice on our back door even after leaving notes that we live here. We have their lock boxes to prove it. Our XXXX chickens disappeared and stuff inside there coup was stolen as well. We submitted a request for re-modification through a HUD approved housing counseling agency. Fax transmittal to prove it. A few days later they filed paperwork with the county clerk to sell home. Our home is still up for sale on XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX approved our request for re-modification then took it back and said there was an error. Denial was based on them assessing our home way above actual value so we would n't qualify for re-modification that we in fact should have qualified for. We appealed it and included an appraisal as well as 6 local comps to prove what is was truly worth. Then they switched servicers on us. I believe that Bank of NY Mellon does n't want to re-mod our loan even though these programs were created specifically to help people like us.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There is a bankruptcy on my experian credit report in which experian indicates they pulled the information from a 3rd party reporting agency. The courts have verified with me that they Do Not report to credit bureaus and therefore this item must be deleted from my 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 06/23/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank Of America wo n't help us modify a loan not even with a settlement. We are on active Bankruptcy chapter XXXX and since Bank of America is a XXXX loan and the house is not worth it once I finish my BK chapter XXXX they will not get payment, so I called to get a modification on that loan or a settlement and they are happy to loose their money. They say we do n't qualify for any program they offer but we are underwater and we are willing to work with them to come to a settlement but maybe they will get more money by filling a claim with an insurance stating I was not willing to pay of help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Recently Wells Fargo offer me XXXX steps refinance no closing cost. Wells need to provide breakdown analysis. They misinterpreted whole refinance, afterward increase my monthly payment.

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 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX a fraudulent transaction occurred for the amount of {$880.00} on my credit card at XXXX # XXXX, XXXX, FL. I was notified by XXXX XXXX Statement ( XXXX ) in my XXXX XXXX, XXXX statement advised them. On XXXX I was advised by XXXX the charge had been denied and had spoken with a XXXX. On XXXX. XXXX my XXXX statement arrived with the aforementioned charge still on the account plus fees and interest charges, totaling {$930.00}. XXXX XXXX, XXXX XXXX email advised a minimum payment of {$56.00} was due on card XXXX. XXXX XXXX. XXXX I contacted XXXX XXXX, XXXX, and she advised Case # XXXX was assigned by the Fraud Dept. 
My XXXX XXXX, statement arrived with a balance of XXXX, credit of {$890.00}, a fee charge of {$2.00} and {$40.00} balance remaining. Called XXXX and the advised not to pay. XXXX XXXX, XXXX statement is {$40.00} balance, fees charged {$29.00}, balance {$69.00}. XXXX XXXX, statement same data. XXXX XXXX statement balance {$69.00}, {$29.00} credit, Fees charged {$54.00}, balance {$94.00}. Called XXXX XXXX XXXX, XXXX, to XXXX, concerning balance now at {$13.00} and would be removed by Monday. Other contacts XXXX XXXX, XXXX, XXXX ( phonetic ), ID, XXXX, and advised account would be cleared as well as the XXXX credit bureau. XXXX XXXX, XXXX sponke to XXXX, ID XXXX and she advised account would be cleared and the credit bureaus. Apr XXXX, XXXX XXXX ID # XXXX, XXXX balance will be indicated on account. XXXX XXXX, XXXX statement recieved balance of {$94.00} and on thier web site. XXXX XXXX, FICO score of XXXX, XXXX, XXXX reduced to XXXX in XXXX XXXX. So far XXXX has not corrected this problem and I have detailed documents of all statement. XXXX has charged meet {$15.00} to XXXX replacements card that I did not order express shipping which adds insult to injury with company.

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 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently tried to get my credit report through Experian. I put in all of my identifying information and followed the additional questions to help narrow down the selection. When I was given the report, it was actually for someone else entirely. It had none of my accounts or information. I called Experian customer service and they told me it was likely that I had keyed in my social security number incorrectly. My concern is that if I could get someone else 's report just by incorrectly keying in my social security number, surely someone could get anyone else 's credit history. In addition, what is the purpose of all of the additional identifying questions if their algorithm is so weak that it will give an incorrect report based on one incorrect component? What is to stop someone from blindly putting in information to get a random credit history? How can Experian justify the ridiculous tactics they use to lock people into paying for their service if it is so embarrassingly poor? I asked to receive a call back from a manager at Experian, but have received no call back.

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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had a credit card account submitted to credit reporting agency Equifax by XXXX XXXX. I have been trying to clean up my credit and report and stirred up XXXX they called me trying to collect on a debt ... when I told them I did not have a way to pay them any money due to no work and being diagnosed with XXXX and XXXX the lady hung up on me then when I looked at my credit report that same day information was very confusing to say the least ... .the account was removed, then it is n't, then im nearing credit limit and then I am XXXX % utilization which would mean I 'm over drawn, then the account is open, then its closed ... how can this be a good practice ... .I am very confused as to why they can play around with information in this way. To say the least the lady who called me was very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal.
I do not and I have never had a contract with this company. I am not liable for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I have acquired a cash call loan for {$5000.00} a few years back. I am unable to pay and I am reading that some of their loans may be subject to usury violations. I am looking for input to see if they are a valid lender due to their high interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: It 's not that there is incorrect information on my report, it 's that there is very important information that is missing and should be included on my report. I sent all XXXX reporting agencies complete copies of my XXXX XXXX home mortgages and also an equity loan on the XXXX house, all paid off. I was told by them that they will not accept documents of proof from me and that they only will put on a report what the mortgage companies themselves send to them to report. I can not have these past mortgage companies report to them my good credit with these loans, because the mortgage companies no longer exist. So I 'm asking if somehow this can be rectified because as a consumer I have every right to have all my good credit history absolutely on my report and right now it is not on there. It is not fair that my credit is judged without these items on there, so I 'm hoping that somehow this can be solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit decision / Underwriting

Complaint: Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. 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