milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX 2010 i rented an apartment for six months from XXXX at the time of signing the lease an occupant was added XXXX XXXX he was authorized to be in my apartment and even stay over as he would from time to time in XXXX 2010 i went to California to attend a funeral as i was away XXXX had invited his friends over ther was some sort of dispute the police were called and XXXX and his friends were locked out of the apartment some went to jail when i returned three days later i was told i had to leave and was evicted they gave me until XXXX XXXX to get my belongings i can have what i can carry i can not find any record of an eviction in any XXXX XXXX XXXX house not sure who they filled any notice with i do not think they can just lock me out as they did so if you can please assist me with this matter i would appreciate it very much i have disputed this with the apartments and the credit bureaus more than once what i would like is the balance adjusted because they re rented the apartment they are prohibited to XXXX dip thank you very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is my third complaint to the Consumer Financial Protection Bureau regarding the bankruptcy that Experian is reporting under my credit file. I have repeatedly asked Experian to validate that this bankruptcy belongs to me and that it is being reported correcttly. They have responded it is VERIFIED In the FCRA, verification is not VALIDATION and I, the consumer am entitled by law to validation. Experian said they verified it with a third pary agency but furnished me no proff of how it was verified and the process which again. I the consumer am entitled by law to know who this third party vendor is and the the process used.. Experian has given me neither item that has been repeatedly asked for. They have violated MY RIGHTS as a consumer and I want this item deleted immediately from my credit file. That is the only result that i will accept.

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 05/30/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX hospital because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my experian report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...

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 08-05-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015 I responded to the XXXX, Delaware ( XXXX XXXX ) Citizen 's Bank Branch in response to XXXX $ promotion for opening a checking account. The teller explicitly told me to qualify you needed to keep the account in good standing and make XXXX online bill payments. The teller said that SHE HERSELF WILL POST THE BONUS IN SEVERAL DAYS! Of course nothing happened, and I contacted the regional manager. That manager apologized for the teller and told me even though your XXXX online bill pays were PERFECT ( this qualified ) you must wait 5 months later to XXXX XXXX!!! Yes, a FEW DAYS became 5 MONTHS! So on XXXX XXXX 2015 no bonus was received and I called customer service and the local branch manager - who said " oh you needed XXXX SEPARATE MERCHANTS on bill pay, so you do not qualify. So SERIOUSLY, they mislead me on the bonus payment date, then they mislead me into believing I qualified with XXXX bill pays, then they make me wait 5 MONTHS to tell me I did not qualify - and as frosting they failed to respond and resolve the issue on XXXX XXXX. This bank is DECEPTIVE and possibly PREDATORY, they failed the elementary rule of business - HONORING YOUR WORD. I made a complaint requesting them to execute regional managers statement that I qualified As of XXXX 2015 they have refused to reply or make the deposit of XXXX $ to demonstrate HONORING their WORD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They contacted my references and left the last XXXX digits of my bank acct. # and my social security # on their recorders.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Debt for Capital One was cancelled and reported to the IRS as income in XX/XX/XXXX. Capital One still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted Capital one on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

XXXX XXXX is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted XXXX XXXX on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (LA).
Issue: Problem with customer service

Complaint: On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian is one difficult company to deal with. Theres a XXXX XXXX XXXX account that on my Experian report that doesnt belong to me. I have disputed this account many times in the past and it keeps coming back as verified. I want to know how? I dont believe the Disputes are being handled by a live representative. Matter of fact I believe that the credit bureaus are running are Disputes through a machine. Verifing the accounts without contacting the creditors. Again this account XXXX XXXX XXXX for the amount of {$350.00} does not belong to me

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 05-05-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have been a victim of identity theft for over 6 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is my second complaint for the same issue. The first resolution is the incorrect data was supposed to be corrected. I even received correspondence from Equifax that it would be removed. However, Equifax is still reporting XXXX XXXX as having a balance owed. This account was paid off XX/XX/2017. XXXX correctly reports a XXXX balance. 

I need this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Debt collection (Auto) with First Investors Financial Services Group, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.

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 04/28/2015 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$500.00} initially as a cash advance. The loan documents provided at the time stated that I was to make XXXX payments of roughly {$120.00}. After all XXXX payments were made, I received a phone voicemail from customer service explaining that my account was currently in default and that I was overdue on a payment. I logged into my account online so that I could view my account 's status and noticed that it listed my account as in default. I immediately attempted to access the loan contract which I electronically signed through the website, but noticed that the documents were no longer available. I have previously accessed this loan agreement before. 

After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement. 

I immediately called customer service, and was immediately prompted by the representative on the phone that they were looking to acquire a payment for the defaulted account. I had explained my situation and then was put on hold for upwards of XXXX minutes. The representative returned to the line and told me that after physically looking at my account, all XXXX agreed payments had been made. She instructed me to call in XXXX days and that an accountant would have an answer for the system error on my account. 


I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.

Company response to consumer: Closed
Consumer complaint received 11-01-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.

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 04-11-2016 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Seneca Mortgage Servicing is infringing on my rights as a senior citizen ( over XXXX ) to pay my real estate taxes in accordance with Texas law section XXXX which allows taxes to be paid in XXXX equal amounts due XXXX, XXXX, XXXX and XXXX without penalty or interest. I 've been doing this for the last 14 years with no problem. On XXXX, I received a letter from Seneca regarding non payment of delinquent taxes even though I was on schedule and my taxes were being paid. They gave me 30 days to contact the office for resolution. I contacted their office on XXXX and they informed me that Seneca had already paid the taxes on XXXX and an escrow account had been set up. I 've made XXXX phone calls to the Seneca tax office and customer service with no resolution. 
This is an obviously ploy to unethically/illegally set up an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Our current mortgage ( XXXX ) was sold to servicer, Nationstar. Nationstar sent us an inquiry as to a refinance. I called back and we began process of a refinance. Rate at 3.875 for 240 months, consolidating what we owed on house ( XXXX ) plus a 2nd ( XXXX ). Home appraisal was XXXX. Despite reaching out to lender numerous times, very little information was given, except to be finally be told that our 2016 tax returns indicated we could n't afford obligations. We have not even done our 2016 returns as we file extensions each year. My credit rating was XXXX and my husbands 's was XXXX. We have no automobile payments ( paid in full ), no late payments on any accounts, don credit card debt ( pay it off monthly ) and have XXXX sitting in our checking account alone and savings in other accounts as well. After contacting Nationstar about their lack of communication on how the loan process was going, I was given a non committal answer and then received a credit denial letter in mail 10 days later. Primary reasons according to letter were : Exessive obligations in relation to income. I have ZERO debt. NOTHING, excluding mortgage and I work full time. Reasons for denying my husband were that balance to limit on bank or rev accounts to high. He owes XXXX on one account. Nationstar then said we owed on another property and that was a problem. WE SOLD that property six months ago. I feel that Nationstar is operating only to grant loans to high risk/high interest rate customers-SUB PRIME. There is NO way we should have been denied this refinance based on our income and what we owed on property and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Using a debit or ATM card

Complaint: Chase has failed to refund my money, to appropriately investigate claims and have charged me exuberant fees. I 'd like my money back. See the communications below. In addition, they have placed me on extensive holds, drop calls, etc ... This ordeal has been going on for over 6 months. In addition, XXXX is at fault they have been systematically double billing subscription fees and when you attempt to recover they state that they can only go back a month. In addition, it appears that they are scheming on data usage as well. There is no way for the consumer to know whether they are actually getting the amount of data purported. 


XXXX/XXXX/XXXX This letter was faxed to your department twice regarding Chase 's failure to appropriately process this claim, investigate and refund my money reference current claim no. XXXX I would like my funds and associated fees deposited into my account without further delay or I will begin the process of reporting these matters to the Consumer Financial Protection Agency. 

XXXX XXXX XXXX XXXX/XXXX/XXXX Attention : Chase Customer Claims I spoke with XXXX XXXX and they stated that the bank should credit me back for the over charges and to contact the bank again. XXXX XXXX has been double billing my account and there are XXXX additional double billings in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX each that you denied. These charges are not authorized. There is an additional {$350.00} in overdraft fees that has not been credited to my account as promised. The claim for {$75.00} filed for XXXX/XXXX/XXXX has not been processed. I would like these funds credit to my account totaling {$620.00} today XXXX/XXXX/XXXX without any further delay. 

Thank you, XXXX XXXX XXXX Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.

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