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 EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

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 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

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 05-05-2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am writing a complaint on the phone number  XXXX 
" Wells Fargo Debt Collections '' They are calling for a   XXXX   XXXX   using the phone number  XXXX 
I started receiving phone calls from the company in   XXXX   XXXX    at    XXXX   XXXX   leaving me a message for a   XXXX   XXXX  . I called the number back and told them the phone number no longer belongs to whomever and to please stop calling me.
I received a second phone call   XXXX    XXXX    with another voicemail for   XXXX   XXXX   . I again called them and asked them to stop calling me.
I received a third call   XXXX     XXXX   with another voicemail fo  XXXX   XXXX   XXXX   . This time with a direct callback number of "  XXXX . I called the number and stated I am tired of them calling my phone for   XXXX   XXXX  . This is harassment and against the FDCPA Laws. They stated they took my number out of there system and I should not be receiving anymore phone calls.
I received a fourth call   XXXX    XXXX  from a  XXXX  direct call back number of  XXXX  for a   XXXX   XXXX   .
I received a fifth call  X/X/2017   XXXX  from a   XXXX    Call back number    XXXX   for a   XXXX   XXXX   .
I call the   XXXX    number on break here at work at    XXXX   XXXX   and notify a  XXXX  that I am not   XXXX   XXXX   and I am tired of these phone calls.
This Wells Fargo account does not belong to me. I do not know a   XXXX   XXXX   I received this phone number when joining   XXXX   XXXX   XXXX   phone plan with my husband. I am sick of this harassment and would like something done about this.
  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 monetary relief
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Metes & Bounds Title Company (FL).
Issue: Settlement process and costs

Complaint: I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email, the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a " learning '' on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for $ XXXX.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 n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. 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 09-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.

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 05/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I found a derogatory account from Ditech on my XXXX credit reports from XXXX, XXXX, and XXXX. The account does not belong to me and I have never had any accounts with Ditech. I called the company on multiple occasions during XXXX 2016 to asked about the reporting details of the account. I provided my full name, social security number, birth date, and current address to multiple representatives and supervisors. They all claimed that they could not provide me with details of the account if I could not provide them with the address of the derogatory entry. I replied that there was no address reported on the credit report entries. I informed them that I had provided enough identifying information for them to confirm my identity and tell me the current status, history and balance details of the alleged debt. They all still refused to give me details and it went so far as to have a representative, XXXX, on XXXX XXXX, 2016, tell me that it was against the law for her to give me details of the address and balance of the alleged mortgage account. I asked her to cite the specific law to which she was referring and she could not respond with the specific law. I then told her that I was disputing any ownership of the account per my rights to accurate credit reporting under the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ). She replied that FCRA required all disputes to be in 'writing. ' I replied that this was not accurate and that my verbal dispute with Ditech was sufficient. I asked her to cite the section of FCRA that required disputes in writing and again she could not do so. I then spoke with her supervisor, XXXX, and disputed ownership of the account and also indicated the contradictory reporting of the account between the different credit bureaus. She said that I would have to file an 'identity theft ' report with the police to have the account delete. I replied that I was not sure if identity theft had occurred, only that Ditech was erroneously reporting the account and that I was contesting its accuracy and asking o have it removed in accordance with FCRA and Ditech 's inability to verify it, along with their misreporting. The account shows a XXXX mortgage that was foreclosed on, but is currently in collection and has an outstanding balance of {$81000.00}. This is contradictory. How could a balance be outstanding and charged off on a property that was foreclosed on. This is allegedly a XXXX mortgage, so no balance would be outstanding post foreclosure. Nevertheless, she insisted I would have to file an identity theft report. I replied that I would not and that Ditech must removed this inaccurate entry or I would file suit in small claims court for violations of FCRA. XXXX replied that I would need to proceed along these lines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In or about XXXX XXXX, the loan servicer for my XXXX loan changed from XXXX XXXX to XXXX XXXX. 

There was a delay of 2 months between when XXXX XXXX finished servicing my loan and when XXXX took over. XXXX charges fees for processing online payments using debit cards : 3.95 % plus {$1.00} for one-time online payment. The only way to avoid a fee is to pay by check or money order, which delays the processing of the payment and increases interest, or to set up recurring automatic payments. I get paid biweekly on different days of the month, and prefer to pay each month on a day when I know the deposit from my most recent paycheck will be available. 

The previous loan servicer ( XXXX XXXX ) did not charge fees for online payments at all. I am now paying extra if I wish to pay online, which adds to my debt burden.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently, I noticed that  Capio Partners repo rted  XXXX  medical debts on my   XXXX    credit report. Prior to the appearance of those accounts, I never received any notice of the balances, nor my notice of right to dispute. I have ask ed Capio Partners  to delete these accounts from my credit report, but they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: Chase is in partnership with an unethical airline : XXXX XXXX. I plan on canceling my Chase card as a result of XXXX 's new " basic economy '' pricing tier. 

Here is my story : Bought a " basic economy '' ticket online using my Chase card. 

Later found out that there is no way to upgrade to a plus ticket online - which I need due to my tall height and long legs. 

Called XXXX contact center. Was told they can not quote me a price to upgrade to plus for specific seats. Require that I roll the dice and upgrade from " basic economy '' to " economy '' ( for {$50.00} ) even though I am a XXXX Chase cardholder ; only then can I see what seats are available online and at what price ... 

This is an unfair, deceptive, and dishonest business practice. Passengers should be able to get a price quote on upgrades without having to pay a {$50.00} fee for the privilege to receive that price quote. At a minimum, XXXX Chase cardholders should be provided this added benefit.. 

I will be canceling my XXXX Chase card and sharing my experience online

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT RESOLVE GROUP LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector made several calls to work associates and in-laws describing debt in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NH).
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: CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.

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 08-04-2016 about Credit card () with CITIBANK, N.A. (SD).
Issue: Rewards

Complaint: I contacted Citibank through their Customer Service line for credit cards @ XXXX on XXXX XXXX, XXXX in order to resolve a long term issue : I have a Dividend Rewards Credit Card offering 1 % cash back on purchases. I requested to redeem multiple checks for dividend dollars earned. XXXX of these checks have never arrived, XXXX dating from XXXX of XXXX. I received an e-mail stating " We 've placed a stop payment on your refund check We sent you a refund check for {$360.00} dated XXXX XXXX, XXXX, but our records show that you still have n't cashed it. For your protection, we applied a stop payment to it. '' However I never received this check, nor the other dividend rewards checks that I had requested. I requested new checks multiple times over the past 6 months but have yet to receive them. I have verified and re-verified my address with Citibank and they are able to send me new credit cards as well as mailed offers but I have yet to receive the checks I requested. 

When I contacted Citibank on XXXX XXXX, XXXX the agent stated that they would, instead of sending another round of checks, apply the check amounts towards my credit card balance. I agreed and they stated it would show up on my next statement. I contacted them again today XXXX/XXXX/XXXX. They stated that they could not apply that amount to the balance and that they could only send a check. I asked to speak with a supervisor. They stated there was no supervisor available, to wait 3 days. I asked to file a complaint or to have a number for the executive office. They stated they could not provide a number, that anything else I required would have to go through a supervisor who was not available. I spoke with employee ID NUMBER XXXX. 

Since I am unable to receive the rewards entitled to me by the credit card agreement for my dividend rewards card my only other recourse, besides legal action is to submit this complaint, in the hopes that my issue may be resolved in a timely manner. It has been 8 months since the original check amount above was issued but never received and over a month since requesting the check again as well as the other checks I am entitled to. The amounts have been deducted from my dividend rewards without redemption.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to call Experian to temporarily lift the freeze on my credit but the automated voice asked for a PIN number that I did not have. I did submit my social security number and other info it asked for. When I could not give my PIN number there was no way to speak to a live person or continue the process. So, how can I get my credit freeze lifted?

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 12/17/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Closing on a mortgage

Complaint: I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Why did your company deny my right to a complete servicing file, in CFPB complaint number XXXX? In your response dated, XX/XX/2016, your company responded ; " Please note, all other items are considered unduly burdensome and will not be provided. '' My house has a set foreclosure sale date, XX/XX/2016, due in part to errors contained within account. How is assisting me, by providing requested documentation, I have rights to under RESPA, in efforts to prevent the foreclosure of my home, " unduly burdensome ''? How is obeying, rules and regulations, set forth by RESPA, in execution of duties as role of servicer, " unduly burdensome ''? Please explain in detail. 

Your companies arrogance, and blatant violation of rules, set forth by agencies of the US government are troublesome, and should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 

Please cease foreclosure proceedings in relation to this account, and fix all errors, in relation immediately! 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Medical) with AMCOL Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was incorrectly billed. VA rejected payment based on " fee basis '' when it should have been billed as a diversion from their over-capacity facility.

Company response to consumer: Closed with explanation