milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have faxed and mailed my identity theft affidavit and police report to Equifax Credit Bureau as well as letters from companies stating that they will remove my information from their data base ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that are reporting fraudulent accounts on my credit report. Someone has obtained a personal loan from XXXX XXXX XXXX XXXX and a auto loan from XXXX XXXX XXXX. I am not sure if Equifax Credit Bureau is even submitting my disputes with my documentations to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX to support my claim. I also reached out to XXXX XXXX XXXX regarding fraudulent activity on my XXXX XXXX credit card. Someone made a duplicate credit card with my information and made over {$3000.00} of transactions. I sent XXXX XXXX all of my supporting documentation ( identity theft affidavit & police report ) but my credit card is still maxed out when my balance should be nearly {$1700.00}. " PLEASE HELP ME '' ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (Medical) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: found an error of being late on my account in the report put out by Experian. Contacted XXXX on this account and verified with them that I have not been late with a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Nevada Credico, Inc. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I requested validation to Collection Agency, XXXX XXXX, as my right under the FCRA and they responded to me on XX/XX/17 a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XX/XX/17 and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ). A letter was sent to XXXX on XX/XX/17 explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XX/XX/17. I just received an email from XXXX today, XX/XX/17, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XX/XX/17 requesting to remove this account from my report. I have not yet received a response but it remains on my 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 04/15/2016 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: I reported the fraudulent use of my email soliciting money transfer and loans from my retirement account agent. The email hacker received IRA statements and loan forms from my agent. The hacker also impersonated a loan officer in my credit union to request and receive a voided check from me while I was in loan negotiations. Once I discovered the impersonations I set up a fraud alert prior to requesting a free credit report. I am hoping the fraud alert is preventing my request for a copy of my 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 11/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: NationStar had completed all the refinancing paperwork, then abruptly cancelled my loan application because of a supposed tax lien that goes back to 2006. There is NO current tax liens. I told the NationStar representative, XXXX, to call the supposed beneficiary. 
NationStar refinanced my house in XX/XX/2011- well after these tax loans had been paid off. There were NO Title problems then and there are none now. 
I am contending that NationStar chose to cancel my loan because interest rates had risen. NationStar is just as greedy as every other company in your business.

Company response to consumer: Closed
Consumer complaint received 11/19/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Payoff process

Complaint: Wells Fargo Home XXXX XXXX Credit Card Program payment calculation is deceptive beyond belief ( it is so complicated it is hard to explain it all ). We used their charge card in XXXX for windows at 0 % for 60 months no interest if paid off after 60 months. The payment was divided among 60 months. In XXXX we added a charge for Blinds that was 0 % for 12 months. What they did not explain is how the payment was calculated for the XXXX different terms. We paid every payment for every charge on time until the last charge. We did not realize that the term was slightly different for the 12 month term. The 12 month " special rate deal amount was deferred interest, Wells Fargo only billing the minimum payment not dividing into XXXX equal payments which we would have paid off after 12 months. Instead the charge ( minimum pmt ) was combined with the 60 month term, but the statement did not show what was getting paid, as it is not separated on the bill. After 12 months it was n't paid due to misunderstanding the terms, therefore we were charged the entire year of astronomically high interest. Not only did it leave a larger balance than anticipated, but the payoff for the 12 month term was only giving the amount for that charge and did n't add in the payment for the 60 months. The interest rate immediately jumped from XXXX ( as if that is n't high enough - since our credit score is in the XXXX range ) to the 28.24 % If we had realized and paid the entire amount, we would then be short for the 60 month term because that amount is listed in small print in a separate sentence, so technically we 'd be in default on XXXX payments. The online payment option makes this very easy to overlook because you need to open the statement to realize that the Special Terms balance is due. The charge was put in my name, but my husband was paying the bills. You need a computer accounting program to figure out how the Wells Fargo bills the charges. Wells Fargo said it was up to the merchant to explain the credit card terms. We always make our payments on time and we even got caught on this XXXX. I would recommend never adding XXXX different terms to the same account. We paid off the balance today and will never, ever use Wells Fargo or any other " Big Bank. '' We are so upset because this is pretty much close to scam as far as I am concerned. The amount due to avoid interest should be on the front page with the bill, not on the second page in a paragraph format.

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 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Sent Experian valid police report and they verified the account under a fraudulent address. They then deleted the fraudulent address : XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
I requested the account be re-disputed as fraud now that my credit report is correct, and they stated they will never dispute the account again even with that change. To contact the source. 

I am requesting that they start a new investigation.

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 non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have two problems. The first one is the mortgage servicer just seems to add fees to my loan because they feel the need to. I never agreed to it and it seems to be a recurring problem for this company. They added double insurance because they didnt feel we had adequate insurance. They did fix it but it 's a headache to have to deal with it. Especially when I 've only been with this servicer for a few months. 
The second problem. I 'm in the process of doing a refi on my home loan. My loan company requested a payoff for us to fund the loan. Today, i received my mortgage statement and there is a {$30.00} fee for the payoff. I did n't authorize any additional costs to be added to my loan. Can this company just add money to my loan without my authorization?

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 02/24/2017 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Transaction issue

Complaint: I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Other fee

Complaint: I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. 

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing statement

Complaint: Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Credit decision / Underwriting

Complaint: Since XX/XX/2015 my Mortgage loan with US BANK is not being reported to Credit Bureau. I have contacted the bank several times to get this issue corrected but the bank is not reporting the loan after all this time. I do n't know what else to do?

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 11-09-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent in a dispute letter to equifax in late XXXX regarding several accounts on my credit report that were unverifiable and requested that they validate the debt or delete it from my credit report one of which included a bankruptcy. Equifax advised that they were able to confirm the debt. I contacted equifax via phone and asked them how they confirmed the debt they advised they had a runner go over to the bankruptcy court but was unable to provide additional information. I then submitted a XXXX complaint against Equifax/Complaint # XXXX. After the case was reviewed I received a letter from Equifax that the bankruptcy was now verified through XXXX XXXX in late XXXX XXXX. At this point I knew something was wrong because I placed a file/credit freeze on all of my accounts in XXXX due to fraud. This would make it impossible for Equifax to have had verified any information through XXXX XXXX. I am now requesting that Equifax delete this bankruptcy from my file due to providing false information to consumer. I am unable to attach anything as I do not have the proper equipment however I am willing to send any documention needed regarding my credit freeze with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Deposits and withdrawals

Complaint: I made a mobile deposit on XXXX XXXX to my XXXX bank account from my Apple Bank check XXXX. I have been to XXXX and they took the credit away from me because the check was never paid by Apple Bank. XXXX claims that XXXX bank has the original check and was cashed at an XXXX bank on XXXX XXXX, 2015. However, I do not own an account with XXXX nor do I know anyone who has XXXX. Someone stole this apple bank check from me. According to XXXX, Apple bank needs to file a forgery claim affidavit with XXXX in order to get my {$500.00} back from XXXX because XXXX does not have that check. On XXXX XXXX, Apple bank withdrew {$500.00} from my checking account to pay XXXX for the mobile deposit I made. On XXXX XXXX, 2015 Apple Bank withdrew an additional {$500.00} from my account to pay XXXX. However, two days later Apple Bank returned the additional {$500.00} withdrawal to XXXX due to a fraud claim. Then on XXXX XXXX, XXXX withdrew {$500.00} from the deposit I made on XXXX XXXX claiming that XXXX has the original check. So what happened to my deposit on XXXX XXXX to XXXX. I am missing {$500.00} dollars. I physically went to XXXX to try and solve this and they would n't speak to me because I am not a customer with them and they need to deal with Apple Bank directly. However, after numerous attempts of going to my local Apple Branch they have not done anything for me. They refuse to even speak to me at the XXXX XXXX Apple Bank XXXX. The manager at the XXXX XXXX Apple Bank, told me to file a police report, and also to write a letter explaining the situation. When I went with all the documents she required from me she refused to even look at it. Her name is XXXX XXXX. She is the Manager at the XXXX location. If this is who Apple Bank has in charge of that location. As soon as this is resolved I will be closing my accounts with Apple Bank. A bank where I have had my accounts for close to 20 years. She has not been professional at all. She tries to avoid at all costs and all she ends up doing is referring me back to XXXX or to XXXX, knowing I do not have an account with XXXX! All I want is help from Apple Bank. they should reach out to XXXX and retrieve that stolen check from me. This is my hard earned money being stolen from me, and the fact that my own bank wo n't even fight for their own check is sad. If this is how customer service is handled in Apple Bank, I will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I started the process of consolidating all of my student loans in XX/XX/XXXX - the process was completed at the end of XX/XX/XXXX. My credit report is showing that my Fed Loans are late 90 days XX/XX/XXXX. I have question as to how this could be when in XX/XX/XXXX the accounts are being reported OK no late account indicated, then XXXX accounts where transferred/closed. 

I have requested XXXX XXXX XXXX to look into the matter on XX/XX/XXXX and then again onXX/XX/XXXX. No response - I have also asked all 3 credit bureaus to validated the information and XXXX is the only one that updated the information to reflect the removal of the 90 day late. Transunion & XXXX come back with account is verified accurately.

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