milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX XXXX for {$3200.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP

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 09-04-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Customer service/Customer relations

Complaint: I went to cash my payroll check at XXXX and it was declined they said because of what was reported by Certegy Check Services. I contacted Certegy and got a report the report only states the transaction fell out of the guidelines when I called them to get more clarification they said they use a system and because of that system my check was an at risk check, but they could not give me any specific guidelines as to why. XXXX should not be using a company that will decline people payroll checks because of some system they use that will not disclose why. That company should not reporting anything if they can not disclose specifics that is unfair and unethical.

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 01/27/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 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: Investigation took more than 30 days

Complaint: I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX BANK XXXX XXXX OF XXXX XXXX XXXX XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband died 2 yrs. ago after an XXXX. He had medical bills still owing when he died. After the XXXX XXXX XXXX XXXX XXXX reviewed his personal estate, it was found deficient in funds to pay his medical bills. A collection agency, XXXX XXXX, XXXX began contacting me about several bills, of which the bill for {$280.00} was just XXXX of several bills that they attempted to collect. I had hired an attorney, XXXX XXXX ( now XXXX XXXX ), to contact XXXX about several larger bills. Apparently the bill for {$280.00} was not itemized when she had contacted them. I both called and wrote to XXXX XXXX, XXXX stating that this was not my bill and could not be collected from me. XXXX stopped sending statements to me but instead contacted Equifax and XXXX and had this collection placed in my credit report. I notified both Equifax and XXXX that this was not my bill. I sent documentation including my husband 's death certificate and the finding of deficiency in the estate, as well as correspondence to XXXX. XXXX found this does not belong to me and removed the collection notice from my credit report. Equifax is still maintaining that this does belong to me and the collection notice remains on my credit report. I have asked Equifax to review this but they still maintain that I own this bill at this time ( as far as I know. )

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

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 07/15/2015 about Debt collection (Credit card) with NORTHLAND GROUP INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: daily calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. 

I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. 

As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. 

How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a Capital One credit card for several years, I closed it and was able to pay it off as indicated their Customer Service ( I have record of the call ) on XX/XX/XXXX and the payment posted on XX/XX/XXXX. That very same day I checked my balance and it was " XXXX '' ( XXXX ) ( See docs attached ) and even Capital One CANCELED my automatic payment draws since the acct balance was XXXX. Ok, 2 weeks later I received a new SNEAKY charge from Cap. One for XXXX on XX/XX/XXXX. I CALLED AGAIN and spoke to a lady with the name of XXXX Id : XXXX and told me that THERE IS NOTHING SHE CAN DO ON THAT SNEAKY CHARGE. This is a NIGHTMARE AND A SCAM IN THIS NEVERENDING HORROR STORY written by Capital One and their associates against customers like me ( A minority group ) PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2016 about Debt collection (Credit card) with Kramer & Frank, P.C. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is an account that I had with XXXX over 10 years ago. I receive a garnishment on this account in XXXX. So I paid & XXXX on a {$500.00} credit card bill. I paid it because I knew that I did owe XXXX. I got behind on all my bills in XXXX, because I lost my job and I had to take lower paying positions. I never received a summons from the court to appear for this judgment. Today I received a garnishment for the same account for XXXX for # XXXX from Frank & Kramer stating that they gave me a {$1800.00} credit on {$1400.00} judgment and that I owed {$1300.00} in post judgment interest. My credit limit was only {$500.00} and the statute of limitations is over on this account the original judgment date is XX/XX/XXXX and I received the first garnishment in XXXX. How can I be sued for claim that I never received a court summons on. This issue was resolved by the CFPB back in XX/XX/2016 case # XXXX and Frank & Kramer dropped the garnishment against me stating it was paid. They started another garnishment for the same account in XX/XX/2016. They have taken a total of {$770.00} addition money out of my pay check. As I stated above this account was paid in full back XXXX. I would like a refund of the additional money taken out of my account. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 88 points were deducted from my credit score once again by XXXX and Equifax in regards to my Federal school Loans. Each account drescribed my Point deduction to be because of a minimum Balance increase on 4 of my XXXX accounts I have received no notification of such action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Auto) with Westlake Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Westlake Financial previously had my car impounded previously. Your agency recovered my vehicle and made Westlake drop unfounded charges on my account. Once I got my vehicle back Westlake changed my due date till the XXXX of each moth for car payment. I set up automatic bank pay for this company. Every single month I get a late fee notice after my payment has been made on time. I can send a bank statement showing proof My credit is ruined with this company and I want it reversed and for them to stop harassing late letters. Most letters I receive are even after they have had that months payment week ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Trouble during payment process

Complaint: I have already filed a complaint, however, it was something still nagging at me that I believe I forgot to mention. Here is info for previous complaint that I 'm adding to. Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Mortgage As Ocwen had stated that I had check returns, never ever have I wrote a check to them that was returned. Also, I notice that they at times did not submit entire amount of payments in statements. I have NEVER made a partial payment, also a few times I noticed that they stated payments had been reversed. Never has that happened. Just want to add/be acknowledged in my original complaint. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (GA).
Issue: Unauthorized transactions or other transaction problem

Complaint: On  XXXX   XXXX     2017 I r eceived a transfer of {$100.00} that was deposited into my  Google Wallet bal ance. Since that date I have been unable to withdraw or transfer that money on th e Google Wallet App a nd Website due to the account being a " business account. '' I have talked to their support twice and they give me the runaround each time promising to escalate to a " specialist '', whatever that is, in a followup email.      Of the two conversations I received one followup stating : " Im looking into the issue you reported and checking with our product experts. I 'll update you in 24-48 hours. '' There were no further updates. It seems that Googles policy is to indefinitely hold onto my money.

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 02/17/2018 about Mortgage (Conventional home mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (FL).
Issue: Trouble during payment process

Complaint: in XX/XX/XXXX my mortgage holder third federal savings and loan XXXX fl. misread a letter from my home insurance provider XXXX XXXX and thought my insurance had been cancelled. after going back and forth between bank and my insurance agent XXXX XXXX XXXX fl.i presumed it had been handled as we sent duplicates of all paperwork and checked addresses were correct.i went north on vacation the end of XX/XX/XXXX received no further communication from third federal savings and loan until i noticed in XX/XX/XXXX that they took an extra {$400.00} out for my mortgage payment i returned to bank and after numerous visits found out they had drained my escrow account first before they started taking it out of my checking acct. since i am not a expert on escrow accts the amount they took out is confusing to the best of my knowledge it is between {$2000.00} and {$2800.00}. i have gotten a letter from the insurance department of third federal savings and loan on XX/XX/XXXX admitting their mistake and telling me i will receive full reimbursement to date after numerous trips and talks to bank officials it seems i am being stonewalled they owe me thousands of dollars and are not keeping their promise to repay me please help thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After getting behind on payments to  Navient  2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around  XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the  Navient  withdrawal, I immediately cancelled that authorization.  <P/> Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by  Navient  was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early  XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e.  WITHOUT automatic withdrawals.  <P/> However,  Navient  has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year.  <P/> In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2  separate occasions,  XX/XX/XXXX  and  XX/XX/XXXX , they contacted  2  of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on  XX/XX/XXXX  my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents.   arly last month I received a letter from the  Vice President fo r  XXXX   XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold Checking Account with a promotion where I was to be awarded XXXX XXXX XXXX miles upon meeting certain requirements including a {$1000.00} spending requirement in debit purchases and two bill pays. The points were to be posted within 90 days of meeting these requirements. I have contacted Citi multiple times and created multiple inquiries to resolve the issue and they have yet to post the miles. The requirements were met in XXXX and it was verified by a Citi representative that the points would post in the month of XXXX. On XXXX XXXX, Citi randomly closed my CitiGold Checking account and refused to cooperate with me on any further inquiries about the points because the account was now closed ( that I never requested to be closed and they can not figure out why it was closed ). See attached for screenshots of my inquiries and their request for me to provide my XXXX number, which I did promptly over the phone.

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