milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX XXXX, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX XXXX. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being XXXX XXXX XXXX XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current SNHU  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as XXXX Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on XXXX when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

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 08/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited my paycheck from my new job at a Chase ATM on a Friday XXXX/XXXX/15 before bank opening. The receipt said it would be available on Tuesday XXXX/XXXX/15 XXXX days. 
On the morning of Tuesday XXXX/XXXX/15, the hold was lifted, but I received another email stating there is a new hold by the fraud department that will be in place until XXXX/XXXX/15 ( XXXX days, XXXX days from the date of deposit ). 
I called and the agent said the issuing bank has a policy of not verifying checks over the phone. 
I talked to my boss, she said the check cleared from the corporate account on Monday XXXX/XXXX/15. 
I called an agent again, she told me that the only way to get my funds released was to:1 ) Take my boss with me to a Chase branch2 ) Both of us show XXXX forms of ID3 ) My boss show the teller her access to online banking at the issuing bank with the cleared check. 

I recently graduated from an XXXX program. I have been a single mom on XXXX most of my life. I am not making too much money for my XXXX and XXXX benefits and I will be out of food, unable to pay my bills, and unable to get to work if I can not get these funds sooner. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I rented a car from     XXXX   XXXX   XXXX   o n XX/XX/XXXX . I e xtended the ren tal three  times over the cours e of four  weeks. I extended my rental on three separate occasions. Each time I extended my rental I was told by  XXXX  they would be putting a hold on my account that would be applied to my final balance when I returned the car. I checked on my account i saw the holds that were applied each week. However when I returned the car there was insufficient funds in the account. Therefore my account was overdrawn by approximately {$650.00}. I called  XXXX  to see why the hold on my account were not applied to the bill. I was told my bank had to release the funds. I check my account the holds were no longer showing. I wen t to two s eparate Chase branches and I was told there was never any holds on my account, there is nothing they can do and I need to be more careful with my money. I called  XXXX  while in the bank and they gave my the dates and amounts of the holds.  XXXX  also told me if I had chase call they would give them the authorization code to release the the holds but the associates at  Chase r efused. The  XXXX  holds were  on  XX/XX/XXXX  for {$260.00},  XX/XX/XXXX  for {$270.00} and XX/XX/XXXX  {$220.00} totaling {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: My complaint is against Wells Fargo Bank. I am the beneficiary of an IRA owned by my deceased uncle, XXXX XXXX XXXX. I began the process of closing out the IRA and collecting my proceeds in XXXX 2017. To date it has not been received. I have been told the distribution check was issued from Wells Fargo on XXXX XXXX, 2017. The check has yet been sent to me. I have had the local Post Office involved and most specifically my mail carrier checking on its receipt. Consequently, I signed non-receipt and stop payment affidavits and faxed to Wells Fargo on XXXX XXXX, 2017. I have been advised that the check will not be reissued for 90 days and if I chose, I can purchase a Surety Bond to get the check earlier than 90 days. I have also been told that there is no appeal process to this management decision. I would like this investigated. I have all of my documentation if required. I started the process to cash in this account in XXXX 2017 and was misled by Wells Fargo employees several times, providing me with incorrect forms resulting in back and forth communications delaying this process. I have received confusing and contradictory requests from Wells Fargo preventing me from accessing my funds. I have never had as much problem with a bank as I have had with Wells Fargo. I urge anyone reading this to refrain from doing any business with Wells Fargo. Their rules and regulations are NOT consumer friendly, their response to problems is lengthy and difficult.

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 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Received copy of letter and motion falsely stated to have been submitted to a civil court with notice of hearing date and time. Contacted court and found that no motion had been submitted to them, but the original case referred in the supposed motion had been filed in a name similar, but different from mine XXXX XXXX, 2006, living at a address in a state I have never been to. Having checked out online Palisades Collections, LLC, the original debt collection company, I found numerous complaints similar to mine which were obviously fraudulent attempts to get people other than the original debtor to pay debts for the sole purpose of protecting their credit ratings and avoiding possible legal action. Please check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: onXX/XX/XXXX I noticed my balance in my account was off by XXXX upon calling XXXX number to my bank they informed me that on the XX/XX/XXXX a debit transaction of XXXX from XXXX XXXX  went through and put my account in the negative wich my account was not in the negative from this transaction and the two print outs i have attached should show this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 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: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing statement

Complaint: I had ( 2014 ) a Secure Credit Card with Wells Fargo for XXXX XXXX they pay a unauthorized charge for XXXX $ that I never authorize, so at this point they are reporting me to Credit Bureau for XXXX amount of XXXX XXXX and I was asking to send me the contract agreement I sign but they never send.

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 09/14/2017 about Debt collection (Mortgage debt) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried many time to resolve this problem with Select Portfolio Servicing. First off I can not seem to figure out if they are a collection agency or a Lender. They seem to pose as both. My issues with them date back almost XXXX or XXXX yrs, with faulty accounting and excessive fees. 

Recently I was offered a plan to catch up on my payments. I feel way behind while trying to work out a modification plan with them. They delayed this process extensively causing me to get to a point that I fell behind and could not catch up with the payments. The plan consists of 12 monthly payments of over XXXX with a balloon payment at the end of over XXXX. 

My question to them has been as always what exactly is the money going towards. With the monthly payments I need to know what is going towards principle, what is going towards fees and other excessive charges they have tacked onto my mortgage. 

They say the principle for the loan is {>= $1,000,000} yet on my lat statement they showed me owing {$270000.00}. Much of this excessive fees for things I do n't even know about and am not sure I should be paying. I need to know what is what so I know I am actually paying this down and not being taken for a ride. I 'm in deep enough and need to pay this off correctly. 

I request a full breakdown of all fees, changes for foreclosure processing fees and lawyer fees and whatever else was involved in the many time that have tried foreclosing on me for the wrong reasons. I need to know every financial aspect of this account and have a detailed accounting of everything. 

I have also many times requested a Principle Reduction from Select Portfolio. I feel I am the perfect candidate at this point for such a program. Yet they continuously deny my request even though they were given funding for such programs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen on XX/XX/2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only XXXX has deleted the fraudulent inquiries I 've had about XXXX inquiries since XX/XX/XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

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 02/18/2018 about Debt collection (I do not know) with Credence Resource Management, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Citi says I made payments on my account and they claim falsely I called and okay 'd the amount when I did not and they are lying and saying I owe things and that I did charges. I did not at XXXX etc. They are saying things that are a lie and they were told what was legitimate or not and they refuse to listen. They fail to care and could are less they were told about things from stores I never purchased and the card was lost and it was reported multiples times and they failed to ignore it and keep lying.They also still are harassing me and saying things that they know are lies and trying to threaten me into making payments on things that are not mine. I am tired of this they are a scam bank who does not care about their customers. I really want justice done on them if this is not resolved properly.I called into the fraud that it was lost and they fail to care and that I authorized it. I never got calls to authorize charges etc. So that is also a lie they must have called the wrong number and lied. I am not stupid I know when it is a lie. This involves my XXXX card and XXXX XXXX XXXX mastercard. So much for zero liability about fraud protection.

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 11/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XXXX XXXX an inquiry was done and I did not request an inquiry by said company. per the credit reporting agency I was told to contact the company which I did when I found inquiry was on my report. I faxed a letter to request deletion of inquiry which they responded with inquiry would be deleted by credit bureau. I then reached out to credit bureau and requested to have inquiry removed and offered to fax in and they told me there was no need to fax in document but it would be removed and inquiry is still showing on my report. I would like my report to be updated with removal. The inquiry is showing up on my XXXX report. I also contacted Transunion concerning a inquiry for XXXX XXXX that was not mine and requested to have removed due to its not mine and its about to fall off in XXXX, I contacted company as well which stated since I was not aware they could not give me a letter as the other creditor had. they told me to contact the credit agency. the XXXX XXXX inquiry is  due to fall off XXXX/XXXX/XXXX. alsXXXX XXXX XXXX is showing twice and should only be showing once. I requested for that to be corrected and was told that was not able to be corrected. I only applied for credit with company and the XXXX  inquiry is not correct

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 11-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Settlement process and costs

Complaint: I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$150000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify that I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly XXXX to verify my actual income and stated what it was instead. Furthermore this mortgage/note was originated XX/XX/XXXX as a 5 year interest only mortgage. Nationstar Mtg has never adjusted the mortgage/note to reflect P.I.T.I The current mortgage/note XXXX and now servicing with Nationstar Mortgage Loan # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, my S.S. # is *********** D.O.B. XXXX/XXXX/XXXX. XXXX Bank and XXXX XXXX XXXX are committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed
Consumer complaint received 02/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I received a letter from Chase stating that they are closing my credit card account. 
Moreover, the letter states that the reason for the closure is " because continuing the relationship creates possible reputational risk to our company ''. 
First of all, I have no idea or understanding of the meaning to this reason at all. I have been a loyal customer that has never missed a payment ever and who maintains a great payment history on this account. 
I contacted the office number provided and spoke to a representative who states he could n't provide any specific information used to make the decision but did recommend that I write this letter to further inquire about this action. He also stated that based on his past experience, it usually stems from some information that Chase received via internet relating to personal or business on my part. 
If so, I strongly object to this because there is no such information either personal or business reported against me on the internet or any other source that would cause Chase to be concern about its own reputation as a company. 
Furthermore, the history of Chase and all of its mortgage fraud related issues with the Federal Government stemming from the Mortgage Crisis between XX/XX/XXXX thru XX/XX/XXXX did not keep me from having a relationship with Chase. 
As such, I demanded for full and immediate disclosure ; 1 ) Specific and detailed information obtained by Chase regarding myself personally or my business leading to this decision. 
2 ) A copy of the credit agreement signed by myself with the terms and conditions of our relationship for this credit card account. 
3 ) The specific language or section under the credit agreement which supports or authorizes Chase to take such unprovoked action.

Company response to consumer: Closed with explanation