milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was behind on my payments to XXXX XXXX XXXX because I broke my back back the in Summer of XXXX. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use XXXX XXXX XXXX for any type of loan or banking needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested from my current mortgage company, Dovenmuele, to remove my PMI due to upgrades we have made to our home. There has been much back and forth an appraisal has been completed and they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (DC).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On or around  XXXX   XXXX ,    2017, I cal led  an American Express customer service representative to ask whether I could upgrade my Amex Everyday card to the Amex Everyday Preferred card. I was interested in finding out if there were any promotional offers associated with upgrading my card. I specifically used the word " upgrade, '' and it was clear from the context of my request that I was requesting a product change from the lower version of the card ( Everyday ) to the higher version ( Everyday Preferred ). At no time did I ask for a new card account.      The representative appeared to understand my question and told me that there was an offer that would allow me to upgrade the card and receive  XXXX  membership rewards points if I spent {$1000.00} on the card within the fir st three months of us ing it. I agreed, and I made sure with the rep that this upgrade would not result in a hard pull on  my credit score. The rep  said that she was n't sure, but she thought it would be a soft inquiry rather than a hard one. Again, this led me to believe that she was in fact processing my application as an upgrade ( i.e., product change ) and not as an application for a new card account.     When I opened m y Everyday Preferred ca rd on Monday,  XXXX   XXXX ,    2017, I real ized that the representative had in fact processed my application as an application for a new card account, and  not as a product change. American Express had done a hard pull on my  XXXX  credit report. This hard pull, in combination with the new card account, caused my credit score to fall at least  XXXX  points with all   XXXX   credit reporting agencies.      Making matters worse, the email the representative sent me after our c all ( atta ched ) included the la st five digits  of the Everyday card account that I was attempting to upgrade (  XXXX  ) instead of the las t five digit s of the new card account that was apparently opened later (  XXXX  ).      On  XX/XX/XXXX   and  XXXX ,  2017, I  call ed American Express to as k what they could do about this, but the representatives I reached diverted me from department to department until a representative diverted me to an automated line, which then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I paid off XXXX credit cards of which I was three months late on, to date it is still stating late. I have received my XXXX on these cards, paid my dues, and they informed me that they would be removed from my report upon payment, and now they refuse to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX. Went to the XXXX on/around XXXX/XXXX/14 and got XXXX. 
I was interviewed about it by the school and should have been covered by the schools insurance or my health care coverage. 
Can be seen in the recites that payments where made on XXXX/XXXX/14 and on XXXX/XXXX/14. 
So I have no idea why they are still sending this 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 12-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: I started a process of refinancing an existing load with the company that has my mortgage, mainly because they promised a lower interest rate, after a lot of paperwork, they sent to do an appraisal ( twice ), they ask for more paperwork on pages that were no send in the first lot of paper work due to scanner malfunction, I resent all the pages of this paperwork, after a week seeing that nothing had happened, i sent an email asking for an update and was told that the loan has died due to lack of response on my part. 
First will like to point out that even if I did not sent the paper, a simple call telling me that they have not received this will be courteousSecond after all the time and effort that went into this and the amount of hour of work i had to miss to be at the appraisal, I deserve an answer as to why they kill the loan application unilaterally.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spotted a " hard '' inquiry on my Equifax credit report on XXXX/XXXX/2017 from XXXX that I never authorized. I recently renewed my XXXX XXXX contract, so there is absolutely no reason I would have given XXXX my information to run my credit. I filed a dispute with Equifax and they 're telling me to contact XXXX to get this removed. I called XXXX this morning and they claimed they do n't even make hard inquiries, but that they will contact me in 3-5 days after reviewing my claim. I made a quick Internet search for " XXXX hard inquiry '' and found a large number of people claiming they had fraudulent hard inquiries from XXXX over the last few months. This seems to be a big problem that might warrant some further investigation. ( I 've attached the results of my Equifax dispute )

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Using a debit or ATM card

Complaint: My XXXX-year-old son received a new Wells Fargo debit card in the mail. I thought it was an update on his regular debit card. He took it into a bank branch, and was told that it was a cash in and out card only. The employee told him that he was better off just using his all-purpose debit card, and paying no attention to the cash only card. I 'm not sure about this, but it seems related to the Wells Fargo fraud.

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 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history.

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 07/26/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize 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 11-10-2015 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (MA).
Issue: Settlement process and costs

Complaint: The complaint is against Guaranteed Rate XXXX. There are 3 issues with loan processing and closing cost. 

1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost XX/XX/XXXX, this was solely due to Guaranteed rate 's inability to close on time that they had committed. 
Application was originated on : XX/XX/2015Original closing date : XX/XX/2015Actual closing date : XX/XX/XXXX 

2. Closing cost - I was quoted closing cost to be around {$2000.00} ( I have email proof from the Guaranteed Rate ), I ended up paying close to {$4000.00} instead, including attorney fee. I was promised that closing cost includes attorney fees. This closing cost does not include the escrows and other pre-paid expenses. 

3. Pre-paid interest - Even though we closed on XXXX, my loan started from XXXX and I was charged pre-paid interest even when the loan was not actually closed. 
The loan interest started fron : XX/XX/2015Actual closing date : XXXX. The HUD-1 document was provided to me 1 Hour before the actual closing. Guaranteed rate did not provide sufficient time to review the document and sign. If I had not signed the HUD-1 document, the deal would not have closed on time and I would have lost my deposit ( {$27000.00} ). This is such a non professional experience and sort of a black mail to agree to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ross, Stuart & Dawson Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX to replace my glass.  They came to my home XXXX to replace a window, XXXX times they brought the wrong glass. Because They did not bring the proper glass, I told them that I don't want them to attempt a XXXX time. They went ahead and ordered a new glass regardless.They charged my credit card without my authorization. Now they are trying to collect but I NEVER SIGNED A CONTRACT NOR authorized a XXXX glass. XXXX sided with me.  They have sent me to a collection firm. I have requested the contract from this collection firm according to The Fair Debt Collection Practices Act 15USC 1692g  however I have yet to receive the paperwork.

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

Complaint: Equifax reported on XX/XX/2017 that it had experienced a data breach exposing private information regarding approximately 143 million US citizens. This incident compromised these persons social security numbers, birth dates and addresses as well as other sensitive information. This breach was discovered on XX/XX/XXXX of the same year, meaning that Equifax withheld this information for over one month while leaving millions of consumers vulnerable. Ultimately, Equifax gathered ALL the information needed to steal the identity of 143 million United States citizens, placed it on a server that was vulnerable to external breach then hid this incident from those impacted for over 5 weeks. 

Equifax has proposed a " solution '' to this issue, however. A website was set up to where persons suspecting they were involved can verify this fact. I checked and found that my information was leaked among the millions of others. Equifax then offers ONE free year of " credit monitoring '' after which you must pay them for regular update on your credit profile, which they have left compromised. 

This, for obvious reasons, is a remarkably insufficient response to such a monumental incident. The information stolen will retain its value for as long as those involved remain alive. This breach WILL result in stolen identities stretching into the next century. Those whose information was included will NEVER be free from this cloud of uncertainty. 

There is no blanket, ca n't miss solution for those who are impacted. Personally, I have frozen my credit and opened a subscription for XXXX credit monitoring which I will now have to leave running for the remainder of my life. At a cost of over {$10.00} a month this will total in excess of {$5000.00} over the remainder of my expected life and much more for those younger than myself. 

The lack of security that directly led to the data breach is an embarrassment to this corporation. The delay before informing those who have been left exposed should be a lasting embarrassment to all involved in that decision. The proposed compensation is an insult to any thinking person considering the scope of this situation. The fact that no one will be held accountable for the monumental negligence involved in this incident is, quite frankly, an embarrassment to the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Payday loan debt) with ROC Asset Solutions, LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received several calls from someone named XXXX stating she was from API and was trying to get an statement from me or my attorney. They called my brothers and told them that I listed them as a reference ( LIES! ). I finally called back and they were threatening to take the matter to court to garnish my wages if I did n't make a down payment by the end of the month and monthly payments after that. The debt is real but after reading this is speaking with my mom who had the same experience with them, I now know that this is a scam. My mom was telling me to XXXX them but all that came up were several complaints of a scam with the same or similar stories. I called back to get an address and the address provided led me to a XXXX XXXX. I called back to verify that I copied the address correctly and was reassured that it was correct. When I asked him if they were located inside a XXXX XXXX I was told they were next door to XXXX although the address was the same. I called the XXXX XXXX associated with that address and I was informed that they supposedly had a box inside the store, but if that is true, why was I told they were next door? SCAM SCAM SCAM!!!!

Company response to consumer: Untimely response
Consumer complaint received 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reviewed a copy of my credit report and XXXX XXXX of XXXX ( XXXX ) accessed my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I never authorized such action in written nor verbal form in XXXX, as I took delivery of my car on XXXX XXXX, 2016. This constitutes a clear violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact XXXX XXXX of XXXX and XXXX, and investigate such occurrence. 

I contacted XXXX XXXX of XXXX who initiated the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. I have been in contact with a Finance Dept employee, XXXX. I have left voice mails for the General Manager, XXXX, that were not returned. Finally, after contacting XXXX XXXX XXXX offices, I received a call from XXXX XXXX the General Sales Manager, who warned me not to contact the credit bureaus and agreed to get XXXX Legal Department to have the inquiry removed. However, he is now unresponsive to several calls and voicemails. The inquiry remains as of this date on all XXXX of my credit reports. 

Please investigate this company. They are deceptive with no regard for consumers. The whole time I 've dealt with them, it 's been one lie after another while evading my calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other service problem

Complaint: I wired {$4600.00} from XXXX trust to my bank Chase. The money was transferred on XX/XX/XXXX. I later found out that the account information i wrote was incorrect. I called Chase bank and they transferred me to the wire department to start the case ( XX/XX/XXXX ). They gave me a case number wich is XXXX I called almost every day for updates and finally on XX/XX/XXXX they told me, they were unable to retrieve all the money, they were only able to retrieve {$410.00} on XX/XX/XXXX. They said i should get legal actions because they are unable to help me or give me any updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, XXXX, I terminated my checking account with Citibank, which had a {$300.00} line of credit. On that date, Citibank claimed that I owed them {$300.00} for automatic payments, which the bank has never paid. I therefore paid Citibank {$300.00} for the line of credit and {$2.00} interest from my XXXX XXXX checking account ( ending XXXX ) on XXXX XXXX, XXXX, and confirmed with the bank 's representative that I owed nothing else. 

Nevertheless, Citibank continues to claim that I owe them more than {$100.00}, which, the bank claims, has been accruing interest since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received another letter from Citibank regarding the phantom debt and called their toll-free number. I spoke to a woman named XXXX ( ID # XXXX ) who told me, " [ Citibank ] has no record of your debt. '' I requested Citibank to immediately resolve the dispute in my favor and was given Citibank complain No. XXXX. 



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Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion credit bureau would not help and take care of these negative inquiries reporting to my credit report. These are the negative inquiries. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Other fee

Complaint: I have a Home Depot Credit Card. I noticed that there was a {$2.00} interest charge that had been added. I called and was told that it was a mistake and they removed the charge. My concern is that how many people have " inadvertently '' had the {$2.00} charges added and did not notice it and paid it. I just want you to be aware that this happened in case it is a regular occurrence to scam customers.

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