milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: I was inquiring about a home refinance loan and Quicken Loans. Told him that I did not want my credit pulled unless he could get me an approval. Gave him full info up front- that I was only on the job for 4 months- told him several times my score was verging on XXXX and did not want it pulled. He said he would work with me for an approval and pulled my credit. At the end of the convo he told me that he could not get me approved because all of Quicken Loans require a 2 year job history. I have the FULL chat transcript available. I believe this was complete unethical behavior and lowered my credit score to a XXXX thus far, may still be dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information including personal information was involuntarily divulged by this company to unauthorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX I got my yearly free credit report from all XXXX credit reporting agencies. On XXXX, I went online to dispute some information. Experian website says that when you get your free credit report, it is available online for 30 days. I was able to log on and dispute some items I noticed. However, I noticed that there was a fraud alert placed on my account on XXXX, which I never placed on that date, considering that 's the first time I viewed my report thoroughly. However, I did place a permanent fraud alert last year, and since then, I have had over XXXX hard inquiries on my credit report that I did not authorize, and many, many accounts opened in my name. Experian wo n't let me dispute the inquiries, and tells me to call a number, where I get an automated response, with no option to speak to a real person. I logged off the website, because I was at work when I did this, and tried to log back in about 2 hours later. Lo and behold, they could not find me in their system, and it stated that I had to " Send the letter provided below so that we can accurately identify you are really who you say you are ''. This is absolutely ridiculous. Also, I have over XXXX hard inquiries on my report from Experian themselves. Since when does a credit reporting agency pull a hard inquiry, when they have access to everything anyway? No wonder my credit score from this company is so low. They 're lowering my credit score by pulling hard inquiries that I did n't authorize, over and over and over again. I 'm also extremely upset that they have allowed so many inquiries to go on my report when I placed a permanent fraud alert a year ago. Of course, I do n't have any documents to upload, because they wo n't let me into my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Equifax credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX   XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never lived at XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX PA XXXX. Someone used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CBA Collections is attempting to collect on a debt that is not owed. The debt is also past the SOL in the State of Mississippi. Cease and Desist letter was sent and CBA Collections continues to contact me. 
I 'm filing a lawsuit in Small Claims Court against the Company.

Company response to consumer: Closed
Consumer complaint received 02/26/2018 about Debt collection (Payday loan debt) with DLC, LLC (UT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: Its the policy of my bank, Wells Fargo not to cash checks made out to anyone if its more than 30 days old, my understanding is that require the person, or company to get another check issued if its more than 30 days old. Wells Fargo cashed a check to the city of XXXX for XXXX, on XX/XX/2016 for check dated XX/XX/2016, which cause my account to be overdrawn, because the replacement check was cash on the same day. City of XXXX claim they did not receive first check for XXXX, so I sent them another one for same amount. { # XXXX } I called Well Fargo [ XX/XX/2016 } to inquire about the reason they cash check XXXX, since it was 30 days old, The representative stated that it was their policy, but that the city was at fault for holding check so long, and that there nothing they could do. 
My question is, why have the policy if you do not follow it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chapter XXXX Bankruptcy closed XXXX/XXXX/08 still reporting on XXXX and TransUnion

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 03/18/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/2007 a personal loan was taking out with XXXX to help with college tuition.The loan was later taken over by Springleaf Financial, we make payments of {$700.00} per month, we have paid over {$50000.00} on a loan that was {$20000.00}, and we still have an outstanding balance of $ XXXX.Now the bill is showing a late fee of {$250.00} and {$450.00} in interest so nothing is being applied even though i make the payments online and on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The Capitol One and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Convergent has put a collection on my credit report which is not mine. Also they never sent me a 30 day right to dispute, I just saw it on my report. The debt they put on my credit is for  XXXX , which is my ex husbands, who also passed away. We have been divorced f or 6+  years and the information they have on file is MY EX HUSBANDS BUT THEY HAVE MY SOCIAL. They wont speak to me or help me and THIS IS NOT MINE!!! They say it is his, but because my social is on there then I owe 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 04-06-2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditors collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I have a checking and visa account with WellsFargo. 
My payment to the visa account is an auto payment for {$400.00} a month sent out on the due date of the XXXX of each month. Due to the bank being closed on a holiday, rather than the bank pulling out the monies prior to the date, they assed me a {$27.00} late fee. I complaind and it was returned. I contacted them to fix it so no late payment is ever assessed moving forward and they wont. I 've tried to do it on my own in the past and ended up messing up my payment schedule. I 'm banking with them and they will not fix it as I have requested. If they do this times multiple people they are making a bundle on something that could be fixed digitally without ever creating a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: REPORTING STUDENT LOAN WHILE OF DEFERRMENT DUE TO MILIRARY SERVICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: TransUnion mailed me a copy of my report dated XXXX/XXXX/2015. On the first page TransUnion tells me if I find an inaccuracy on my report to dispute the inaccuracies online. When I try to do so I receive an error message. I contacted TransUnion at the phone number provided and have been told multiple times that my online access would be unlocked so I can process disputes online yet I still receive this error message. 

TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following addresses are inaccurate : XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following telephone numbers are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following employment data is inaccurate : XXXX and proof of address are attached for the processing of this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: When I closed on my mortgage with Wells Fargo many many years ago, one of the payment/payback options was bi-weekly payments. Thus, I have been paying bi-weekly for years. However, they never apply my bi-weekly payment when received. They just hold on to it ( thus getting the extra float time credit ). I lose by paying more interest since it does not get applied to the loan immediately. Then, once per month, Wells aggregates all my payments for the month and makes a single payment against my loan, thus applying it at that time against my principle. I personally think this is deceptive/unfair as they get all the extra benefit and I get no relief since they sit on at least half of my payments for at least two weeks before applying it to the loan. Hope that makes sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Credit card) with Summit Consumer Group (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX Bank 's response enlightened me regarding my concern. I am fully convinced that this is a situation that involves fraud. The company that contacted stated that they would file a Civil Suit against me if I did not pay {$850.00} in full by XXXX XXXX. The company 's name is Summit Consumer Group XXXX. They would not under any circumstances allow me to pay through mail or mail me a payment schedule. They wanted me to purchase a prepaid XXXX card to make my payment over the telephone. By the end of the first and only conversation I had with the company, I was able to get a physical address. It is supposedly : XXXX XXXX XXXX XXXX XXXX. ; XXXX, CA. The telephone number I received was XXXX ; XXXX XXXX. I was informed that I could call XXXX XXXX XXXX XXXX XXXX. The following number often appeared on my caller ID : XXXX. This company called my husband and XXXX of my brothers. How were they able to find their names and numbers? In addition, I received credit reports from XXXX, and XXXX during the week of XXXX XXXX, 2016. Summit Consumer Group XXXX claimed that they would remove the bad account from my credit report if I paid them, but it is not on my credit report. Thank you Consumer Financial Protection Bureau! I appreciate your diligence in investigating this disturbing case on my behalf. I am grateful for XXXX Bank 's professional response regarding my concern.

Company response to consumer: Untimely response
Consumer complaint received 09/29/2015 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our home was serviced by CHARTER ONE BANK.We paid additional amounts to pay off the loan early.Those amounts not applied properly towards principal reduction. 
The loan was paid off in 2/2011we wrote many letters to them to give us back the amount of {$2500.00}. 
they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Disputed mulitple entry on credit report with trans union on several occasions. Trans Union will verify the account is at XXXX balance but refuses to remove the duplicate entry.

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 09/22/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (ME).
Issue: Account opening, closing, or management

Complaint: My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Riverview Law Office, PLLC (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a collection notice from Riverview Law Office stating that I was overpaid by my former employer ( XXXX XXXX XXXX ) by {$13000.00}. I am unsure if this is a lawyer representing XXXX or if they are a collection agency that XXXX sold this misinformation to. 

Reading their letters, it seems they are being intentional about trying to blur if they are a lawyer representing XXXX or a collection agency. 

To gain clarity on who and what I was dealing with, I sent them a certified letter disputing the alleged debt, asking for proof of this alleged debt, and verify that they were licensed to collect debt since I could n't find them online. 

I attached the letter but here is what I asked for- -Provide me with copies of any papers that show I agreed to pay what you say I owe ; -Provide a copy of judgment stating I am responsible for this amount ; -Show me that you are licensed to collect in my state ; and -Provide me with your license numbers and Registered Agent. 

Riverview Law Office sent a letter the next day with an Excel spreadsheet I could barly read that only listed XXXX claiming overpayment of {$13000.00} and no actual information on how the amount was calculated or what pay periods were that I was overpaid. Riverview Law Office, PLLC did not include any information on them being licensed to collect in MN and no license number. 

Both letters they have sent warn me to get an attorney. 

There is no documentation or order stating I do owe XXXX {$13000.00}. 

They also did not provide the requested license information so for all I know, they are not collecting for fairview and this is all a sham.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded

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