milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EXPERIAN, XXXX, XXXX IS REPORTING WRONG

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 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Bank account or service (Savings account) with GOLDMAN SACHS BANK USA (ME).
Issue: Account opening, closing, or management

Complaint: I had an account with XXXX bank. A day after I deposted XXXX $ into the account I tried to log into it via online and it said to call customer service. When I called I was directed to a " supervisor ''. This supervisor told me that my account was closed because I was " committing fraud ''. When ask to clarify he said he did n't have to explain to me, and when I asked to speak to his supervisor he said that he did n't have to and proceeded to hang up on me. 
When I called back I talked to a gentleman named XXXX. After putting me on hold for ten minutes after explaining my previous phone call and also requesting to speak to a supervisor he proceeded again to tell me that he talked to " everyone '' and that they decided to close my account because I am committing fraud. When ask to clarify he said he could n't and also when asked to speak to a supervisor he also said he could n't. When I asked if there was a phone number of a complaint department he proceeded to put me on hold for another ten minutes before I hung up because it seems pointless to me. 
My bank account from XXXX was linked externally to an XXXX Account that is funded by my employer XXXX, no where else. So for them to I am committing fraud and to not give me any information, and also not letting me talk to a supervisor and being rude and hanging up on me I would like some answers please. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/2016 my XXXX accounts were compromised. At that time I was using my XXXX checking account to pay bills online. XXXX of these was my XXXX account. While the XXXX account was frozen, the XXXX payment I had made was denied, but I did n't know that until receiving my next XXXX statement with a late charge. I called XXXX to explain, they mistakingly understood my XXXX account had been compromised and closed that account and issued a new credit card. The balance was transferred to the new account. I reissued the payment, but XXXX did not remove the late fee. I called again and they confirmed they received my payment and agreed to remove the late fee since the situation causing the late charges were not in my control. However the next statement showed a credit of the previous late fee, but there was a new late fee on the earlier late fee, and the battle continued and explaining continued. Each month they credited the previous late fees, but did so after the closing date so new late fees were incurred. My daughter got involved and after numerous calls, endless explanations, and dealing with an extremely rude XXXX customer service rep, she was able to convince XXXX that the original, very small balance, had been paid in good faith and the late charges were in error. All fees were reversed and the account was brought to XXXX balance. There should be no negative credit reporting from XXXX on this account. It has caused my credit score to drop over XXXX points in the last few months and I was just denied a XXXX XXXX credit card because of this. As you can see I have very good credit scores on my other accounts. Please rectify the XXXX erroneous 30 day late entries on the XXXX report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Problems caused by my funds being low

Complaint: Ally Bank Checking Account : I recently deposited a check in my checking account on XXXX XXXX, 2016 electronically via my mobile device which was approved the following day. The funds show in my account under " current balance '' but are not available to me. I called the bank as I noticed my account was overdrafted by {$86.00} yet I just deposited a {$25000.00} check. The bank stated that the funds would not be available to me until the next 5 days as my account was flagged for frequent overdraft charges during the last 6months. However, instead of admitting this was an unfair practice, the bank instead is charging me additional overdraft fees during this period. Essentially they are blocking me from having funds available that would prevent these exact overdraft fees from being charged. This is pretty obvious to me they are exploiting a common practice in the industry which other banks were just fined for and this bank simply has just gotten away with it.

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 08-07-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services ( carringtonms.com ) is defrauding consumers by not allowing any additional principal or escrow payments on my mortgage account. I contacted them via phone twice ( once in XXXX XXXX and once in XXXX XXXX ) and was given differing stories about why I could not pay additional principal-I was told once that there was an issue with the website and once that because my mortgage was newly purchased from XXXX that processing was still taking place and that I would be able to make additiol payments the following month ( XXXX XXXX XXXX. This did not happen. I sent and email on XXXX XXXX, XXXX and lo and behold I was able to pay additional principal in XXXX XXXX. In XXXX, it went back to no additional payments and again in XXXX, and now for my XXXX payment again. I know that additional principal payments decreases the amount of profit for the company for the mortgage and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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 started asking for a copy of my Promissory Note with my original signature on it since XX/XX/XXXX from XXXX. I 've gotten several responses but none satisfied my initial request ; i was given a computerize signature connecting me to these alleged loans. So after getting no proper response from XXXX, i sought out the credit bureaus from help on retrieving the proper documents. On XX/XX/XXXX the first dispute letter was sent through the credit bureaus dispute portals online, XX/XX/XXXX & XX/XX/XXXX XXXX & XXXX was sent via certified mail equifax online dispute portal, XX/XX/XXXX all was sent certified mail, and the 4th and final letter was sent XX/XX/XXXX via online dispute portals. All the credit bureaus responses were the same as the info report was accurate and could not be deleted. All certified mail was notarized by notary service.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Other debt) with ERC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously settled this account with XXXX XXXX XXXX. However they are still reporting this account to the credit bureau XXXX XXXX. Upon paying this account they did remove from XXXX   but is still showing on XXXX XXXX credit bureau. they are hijacking my credit. they remove this account from other credit bureaus and I am requesting that this account be removed from XXXX XXXX and any other credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote a letter to XXXX XXXX XXXX to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX/CareCredit So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.

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 06/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Balance transfer

Complaint: I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My ex husband used my account without my approval and it was never sent to me in the mail until after the divorce so it was not part of the divorce settlement. I have attempted several times to contact both the credit bureau and XXXX store card and neither will knowledge this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mother sold her home in  XXXX   XXXX . The home was located in  XXXX  NY,  XXXX . My mother owned the home free and clear of any debt at the time of the sale. During the title search it was found that there was line of credit for {$28000.00} taken out against the home in  XXXX . The line of credit was paid off sometime on the late  XXXX  's. My mother can not find a copy of a release letter, or statement indicating the line of credit was paid off. Due to outstanding line of credit on the title search, {$30000.00} was held in escrow ( by the attorney ) pending receipt of a lien release letter. The line of credit was initially taken out with  XXXX   XXXX   XXXX , which was ultimately acquired by HSBC Bank. I have tried numerous times contacting HSBC regarding this issue. I would estimate I have called th em 20-30 times  and emailed/mailed/faxed at least 10 times. I have also had an attorney call them several times and send at  least 2 or 3 letters . I do have extensive documentation and timelines that I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (WA).
Issue: Closing on a mortgage

Complaint: Between XXXX XXXX and XXXX XXXX I applied for a hardship loan modification at the advice of Citimortgage. The loan modification was to avoid home foreclosure of our home at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had fallen about 11 payments behind on our mortgage over the course of 3 years was was unable to catch up. Citimortage advised us to apply for a Hardship loan modification to bring us current on the loan agreement, by which Citimortage would open a loan with the Housing of Urban Development ( HUD ) for  the amount past due that we would be responsible to pay upon the conclusion of the terms of the loan. I agreed and began the loan modification process. During the modification process Citimortgage required us to make trial payment ( TPP ) in the amount of the new mortgage payment for 6 months. During this same time each month that I made a trial payment, I became an additional month delinquent on the original mortgage, to the point that when the modification was finalized I became 17 months delinquent. This resulted in a 30 % increase in the total amount past due for a total amount of {$26000.00}. The Trial payments that I had made during this during that time was then categorized as " unapplied funds '' to the amount of {$11000.00}. These " unapplied Funds '' at the conclusion of the loan were then applied to " Escrow Advance Balance, {$1600.00} '', " Escrow Required, {$1300.00} '', " Accrued Interest, {$6200.00} '' and " Principal, {$2500.00} '' instead of being applied to the balance past due which I was led to believe. 
When speaking with Citimortgage in the matters of how the past amount increased to such a large amount, and how the " unapplied funds '' were used, I was told that the past amount was correct, the use of the unapplied funds were correct, and the math used to draw these conclusion were also correct. When I asked for a copy of the documentation to prove this, I was repeatedly denied.

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 04/30/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?

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 05/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Other transaction problem

Complaint: On   XXXX   XXXX   XXXX     i   XXXX   XXXX   send a quit pay money transfer of  XXXX  $ to my siste  XXXX   XXXX   XXXX   using her email address which at the moment was in her account but not link to the quit pay system of   XXXX   XXXX   XXXX  . My sister when we notice the mistake when to her back and link the email to the account mean while i call chase bank to see if we can cancel the transaction since the money was already take out of my account and never got to its destination, Chase bank claimed that the transaction could n't be cancel because   XXXX   XXXX   XXXX   already took the founds and put it in a limbo account where they put all the transactions with any mistake.After that my sister try to get her back to deposit the money into her account with no success because   XXXX   XXXX   XXXX   now claims that the found needs to be taken back from chase to return to me  ( it has not happen yet ). Its going to be almost a year now since that happen and me  and my sister have file some many complains to each bank and they only keep bouncing the ball with no intention to find any solution. As now i just want a agreement between both bank to get my money back in my account or deposit in my sister account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (OH).
Issue: Confusing or misleading advertising or marketing

Complaint: Equifax stored personally identifiable information in an unsecure fashion allowing hackers to easily steal it. They waited over 2 months to reveal the loss and executives cashed out stock prior to public ally acknowledging the theft. They offer credit monitoring service, but fail to offer credit repair service for free - a likely necessity for those of us in the breach. They also want us to give up the right to sue them or join a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We recently checked my credit report on XXXX 2015 and I was not aware that their are XXXX accounts that was open and did not know about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: Filed disputes for charges from my Wells Fargo bank accounts. Merchants provided emailed or paper receipts reflecting credit slips including cancelled transactions. However had to file disputes in order to recover funds. I provided Wells Fargo with all requested documentation to recover funds. The contact center and branches decided to close all of my accounts. I requested my funds from all accounts and expressed that no balances, overdrafts, charges or credits were pending against the accounts. More specifically my savings account has no attachment to my affected checking account. Wells Fargo has advised not to provide my {$410.00} to me until XX/XX/2016. I advised that these funds are social security income funds. Branch and executives advised that they refuse to release my held funds. I demanded a release of my funds and they refused. I advised that this is illegal and Wells Fargo has violated my rights!

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 07/29/2015 about Debt collection (Credit card) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Optimum Outcome, Inc. a debt collector keeps harassing me and calling. I 've told them prior to XXXX 2015 that I could not pay the debt and I am currently on XXXX. They have continued to call even though I blocked them on my cell phone, they are still able to leave a message on my voicemail. The calls that I still have logged are from XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and today, XXXX/XXXX/15 at XXXX p.m. I do not need this stress while on XXXX and XXXX.

Company response to consumer: Closed with explanation