milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 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: Their investigation did not fix an error on your report

Complaint: I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and Transunion will not take this off my 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 09/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had gotten a loan through Wells Fargo : America Service Company. Suddenly every XXXX, I had to pay an extra XXXX. I called for information why. No Answer. I had to pay XXXX insurances on my home. I called asked why. no answer. After that I started t o call for loan modification and nothing. I was not behind on my loans at all. Suddenly, someone appears to ask me do I need assistance. I got assistance but I feel it was purposely set up by Wells Fargo because all the problems I had with Wells Fargo he fixed. So I thought I could trust this man. I got XXXX loan modifications but they were XXXX denied by Wells Fargo with lies. My main target is Wells Fargo setting me up because I was always on time until I met XXXX XXXX. :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.

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 04/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.

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 11-05-2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: When checking the balance of an American Express gift card, I found that a fraudulent charge was made at a hotel in New Jersey on a day that I was at work in Connecticut. American Express said that the card had been swiped at the hotel, although it had never been out of my possession. I received no satisfaction from them as they explained that the cards are treated as cash to which I complained that their security is abyssmal.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX we had a water leak at our home. Upon investigation it was found to be water from a broken pipe in the wall and water overflowed the dishwasher. We hired a public adjustor. He settled both claims with our insurer. One claim was {$8300.00} and the second was XXXX. We had the public adjustor sign the checks as well as XXXX bank our second mortgage holder. We sent the two checks to Seterus, Inc our principle mortgage holder. Seterus had a series of steps they wanted us to do. We complied with all by XXXX of XXXX. They released the check for {$8300.00} but have been holding the second check for {$11000.00} for two years now. We complied with all paperwork needed and sent in notarized documents on several occasions. Each time we ask for the money they add another demand for more or different paperwork never before mentioned. They are nearly impossible to speak to on the phone. But we have been told several times the money would be released ( on calls they record ), only to find the money is still being held. We have the initial document they sent us with all of their requests. We have our paperwork showing compliance with all of those requests. We want the money released for repairs. We have already sent a notarized document to them approving them inspecting the work when finished to safeguard their interest. We would appreciate any help in getting this money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with TD BANK US HOLDING COMPANY (WI).
Issue: Customer service / Customer relations

Complaint: My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.

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 12-06-2016 about Payday loan () with Money Now- Hattiesburg, Inc. (KY).
Issue: Can't contact lender

Complaint: Just recently started receiving threatening letters from Money Now. I have called the store on XXXX XXXX several times and left voicemails for the manager and also asked that they provide date/proof of debt ( mail to me ). No call backs and no proof. Money Now recently sent me an even more threatening letter. I am attaching all for your review. I believe they are over any KY statute of limitation timeframe to collect this alleged debt and/or are outside their mandates legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/2015 I had a credit score of XXXX with Equifax , I had prev disputed accounts due to identity theft on my report, so I put a security freeze on my account. So about in XXXX I called Equifax to have my security freeze lifted but for some reason they could not lift it right away they stated they had techinal issues and I had to wait for 72 hours, and it actutally took a week or longer. So when I did get a chance to see my credit report I noticed that they had added XXXX accounts to my report. I reached out to Equifax and asked why they stated I had to files that were the same exact information on it. So Equifax combined the duplicate file to my report which added XXXX accounts back to my report. I have been trying to dispute information to them they are very rude when I call. I have sent information providing that those extra accounts were prev disputed and removed but they refuse to do anything about it. I am a victim of identity theft and have a police report on file. they will not remove those xtra accounts. It was Equifax consumerdept that will not help me in any way shape form or fashion. I have faxed over documents and they still have that duplicate information reporting on my credit report. Equifax Consumer Dept are the wrost people to have to call and talk to, because I call so much sometimes I can here them making smart remarks or laughing in the background. They have said thy have disputed the accounts and I have asked for actual paperwork validating that these accounts are mine they told me that they do n't send out information like that. I am so pised off with Equifax , they will do nothing to fix my problem, my credit score went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX they will not give me any information to prove to me that these accounts are mine, I requested information in black & white proviing that thee accounts belong to me but they will not due so

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have been a Chase Banking customer with a checking account since XXXX. During a 6 month unemployment period in XXXX I had gone into arrears as Pre-authorized payments were not cancelled in time. Chase advised me of the amount and I had been paying gradually through payroll direct deposit to reduce the balance owing. My account had apparently been closed in XX/XX/XXXX but I was able to make deposits into the account. However, when I filed my XXXX tax return, my CPA did not change the bank information, and the refund went to this closed account sometime in XX/XX/XXXX. Sometime around XX/XX/XXXX I was informed by the payroll department of my company that deposits into this checking account number were no longer being accepted. I have not received any notice from Chase that funds were deposited into a closed account. The IRS wrote me a letter that these funds were deposited electronically. If this is the case, then my overdraft should be clear and I want my checking account re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made several request to validate the debt and this company has failed to submit me any proof bearing my signature that this debt indeed belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Medical & Professional Collection Services, Inc. NC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged in bankruptcy. New collection agency assumed the debt and is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau RE : Complaint against Chase Credit Card, XXXX XXXX XXXX, XXXX, DE XXXX and Chase Cardmember Service, XXXX XXXX XXXX, XXXX, IL XXXX To Whom It May Concern : I am filing this complaint against XXXX because they are corrupt and not listening to me. I entered into an agreement with them back in XXXX XXXX, whereby I would make monthly payments of {$44.00} on an account that has been closed for at least one year to date, account # XXXX XXXX XXXX XXXX. 

I received a paper statement from Chase in XX/XX/XXXX and noticed they were charging me interest on purchases and also charging me fees ( unstated ) on an account that has been closed. I called them to talk to them about this and they refused to help me when I asked them to waive the fees because Im no long authorized to make purchases on an account that is closed. I also told them with what they are doing my balance will never go down. So, since they refused to do anything to help me, I told them I will no longer make any payments on this account and they no longer have my permission to take money from my bank account. I also told them they can take me to court and I will tell the judge why I quit paying them. 

Today I checked my bank account and they have taken {$44.00} out of my checking account on XX/XX/XXXX. I have spoken to my bank and do not want to pay a {$35.00} stop payment fee ; however, I do not want them taking money from my account anymore. 

Supposedly their conversations are recorded ( at least thats what I heard when I called them to complain ). 

I need your help. I want them to refund my money back to my bank account. If they dont want to waive the interest charges and random fees on a closed account, I refuse to give them another payment. I am not wealthy and I do want my credit to be good again, but they are messing it up on me there too. They are doing hard inquiries on my credit bureau report which I never authorized them to do, and since they did that, my score has dropped 41 points. I think they need to do something to reverse this damage to my credit as well. I never authorized them to pull any of my credit bureau reports. All they are doing is further damaging my name. 

I will forward a copy of the paper statement that shows the new minimum balance of {$130.00} and has no mention of any payments made to date on this statement. It also lists the fees and interest charges on the bottom. This in my opinion is nothing less than pure greed and corruption. I will also forward the letters saying my account is past due, etc., and thanks for scheduling my next payment for XX/XX/XXXX ( this is fraudulent because I told them to stop taking my money out of my account weeks earlier ). 

Thanking you in advance for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX did a hard inquiry on my credit on XX/XX/2017 and I never applied for anything for anyone to use my credit for them to do an inquiry. I need to dispute this inquiry.

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 07/15/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I refinanced our mortgage from Freedom Mortgage to XXXX. This loan closed on XXXX XXXX, 2016 and XXXX paid the mortgage at Freedom on XXXX XXXX. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only {$460.00} as a refund for escrow. The remaining escrow balance of {$2100.00} has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.

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 02/15/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Billing disputes

Complaint: Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collection letter for a {$970.00} balance of a XXXX account. I 've never had a XXXX XXXX Account.

Company response to consumer: Closed with explanation