milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I worked very hard to pay down my credit card balances and improve my credit score. Transunion for some reason has the same credit card on my credit report XXXX ( no other credit bureau has this mistake ). I have phoned several times to have this issue remedied. When phoning the first time in early XXXX, I verified with the representative that both of these items had the same account number, an obvious duplication. I was told an investigation would take place, which might take 30 days. I am not satisfied with this response, particularly with the duplication being so obvious. I then followed up with XXXX who then sent me a letter via email, verifying that I only have XXXX credit card account with them. I faxed this to Transunion who stated that this new item would be reviewed within five days and a determination made. I instead received a letter stating the new documentation would extend the investigation to XXXX XXXX. This is unacceptable. This issue is affecting me financially and emotionally. I am trying to secure a home, but can not because of this issue. My family is planning to move, but is delayed because of this issue. I am being denied because of my Transunion score which is inaccurate. I am attaching all documents sent to Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They would call XXXX times a day plus weekends and hang up when the answering machine comes on. If I answer, there would be no one there or a person you ca n't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Closing on a mortgage

Complaint: Ocwen over charged us approx up to {$170000.00} in excess fees and escrows, interest etc. and would NOT give us accounting prior to our settling this mortgage when we sold house In  XXXX  or to present after we and attorney requested a myriad of times to see the accountings. Right. NOw we have filed lawsuit against and still are not getting the paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has reported wrong my credit and I have been disputing and they rejected to correct. I did not owe any tax from Washington State and never went out of California. I have called XXXX County and they verified that it is not me. Person name is XXXX XXXX XXXX XXXX owed tax with XXXX XXXX XXXX I am XXXX XXXX XXXX. Attached Driver License. I have done all the way to dispute and they rejected caused monetary damage to me while I am doing the refinance of my house. I need them to correct name and remove it from my credit. Attached report document from county to show it is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: It has been a year ; I have been disputing some incorrect information that is incorrectly reported on my credit report. I have requested this information from both the credit bureaus and the creditors, and both have failed to make an attempt to respond to my situation. So I would like to take advantage of this opportunity to file a complaint on my behalf of my credit reporting issues.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a released state tax lien from the   XXXX   XXXX   XXXX   on my credit reports at  XXXX ,  XXXX , and Experian. The lien was filed on  XX/XX/XXXX  and was " paid satisfied and ordered canceled from record '' on   XX/XX/XXXX   ( see attached ). I understand that released tax liens can remain on your report for up to 7 years, however you can request that they be removed. I filed disputes with the  Credit Reporting Bureaus, who stated that they need documentati on from th e   XXXX   XXXX   XXXX   XXXX   requesting that the released lien be removed from my r eport - they report that the information is accurate and it is listed on my credit report as 'released. ' One credit bureau stated that the disputed information was updated, but my credit report remained the same. Experian will only allow you to dispute fraudulent information. I contacted th e   XXXX   XXXX   XXXX   XXXX   who advised me that they will not write letters and do    not have any type of withdrawal form for satisfied state tax liens as are in other states. I would like this lien removed from my credit report. It has been paid and released for over 5 years now and I can not get any cooperation or assistance from either the credit reporting bureaus or the   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 01-11-2018 about Debt collection (I do not know) with Apelles, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Collector keeps calling requesting action to mail document to my home I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have received 8 calls in the today since XXXX XXXX and it is now XXXX XXXX. this is absolutely uncalled for. I already told them I would make the payment Friday and they advised they do n't do promise to pay. why would you call me 8 times in the matter of 8 hrs. to hear the same thing I have told XXXX reps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have previously disputed a judgement that is reflecting on my consumer report in reference to an eviction/judgement that has since been removed from all credit bureaus. This debt was settled with   XXXX   XXXX   XXXX   XXXX   XXXX  . These apartments have changed names and management a total of 3 times and no one has record of me ever living there let alone any records of any judgements being placed against me. I spoke with the court and they stated that I would need the apartment complex to file a release of judgement which is impossible at this point being that the apartments no longer exist. The new management company did however provide me with a letter stating that they do n't have any records prior to    2012  as they have been shredded due to the age of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On Tuesday, XX/XX/XXXX I stopped by the Chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I made a cash deposit of {$2200.00} at an ATM in the bank itself. The line had been long at the time and an employee at the bank had told me that I could use the ATMs to deposit large funds. The denomination of the funds were in XXXX XXXX XXXX dollar bills. As I placed the cash in the machine, the slot closed and the machine started to whir as if it were counting the money. However, the ATM printed out an error receipt and told me to speak to someone immediately and call the claims number. I immediately showed a woman working at the bank my issue and she escorted me to someone working at a desk and told me to sign my name. In the meantime, she helped me with my second deposit at an ATM terminal next to the one that had given me an error. At the second ATM, she deposited for me {$3800.00} in XXXX XXXX XXXX dollar bills. I followed both directions listed on the receipt and called the claims department and spoke to the employees at the bank. The claims department told me they would send me provisional funds equaling the amount that I attempted to deposit and follow up with an email. I did not hear from anyone in two and a half weeks until I noticed that my funds were removed from my account on Friday, XX/XX/XXXX. I followed up with several calls to the customer service department, claims department and a few individuals from the Claims escalation department. I was told the same thing, that they had concluded an investigation and checked twice but did not find my funds. This seems unfair as I had clearly made a deposit and one of the workers at the branch had seen me do so. I was not informed about the claims process and what it would entail along with the seriousness of the investigation otherwise I would have tried to gather more evidence. Instead, I was assured that everything would resolve itself. I had called several times on XX/XX/XXXX and XX/XX/XXXX about the issue and the customer service representatives had not informed me that the investigation was still in progress, a representative had told me that the provisional funds provided at the time were there to stay. On her words, I had dismissed the situation and thought it to be resolved so I had thrown away the receipt and moved on. On XX/XX/XXXX, I had visited the branch location to speak to someone who could help explain the situation but no one resolved my issue. In fairness, Chase had sent emails to me about the investigation to my primary email but the emails were tucked away in a junk folder. But the dismissiveness by some of the representatives proved to be jarring. I provided a time and date of my deposit to the employees at the branch but was told, at one point, by an employee that they had not investigated my deposit but rather another customer 's issue from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My XX/XX/XXXX payment was sent to Dietech on XX/XX/2016.One phone XXXX. I have spoken with as follows : Customer service-XXXX dont know her extension, XXXX ext. XXXX, and then to Manager XXXX-ext. XXXX. I was told by XXXX, they could see my payment, posted to what she called a ghost account. and ask me to fax proof that it was my money ( {$1000.00} ), so I faxed XXXX copies of bank my statement as this was an electronic payment form my bank, also called to confirm with bank payment was sent, I was told by my bank ( XXXX ), Dietech did receive monies. Talked with XXXX several time and she was suppose to send request to correct dept. to remove monies from wrong account and debit to my account, not done. Next Im talking to collections as Follows : XXXX-ext. XXXX, request he said was sent was to call back and, I talked XX/XX/2016 with XXXX-ext. XXXX. XXXX rechecked to see if request was sent and said it was, to call back. On XX/XX/2016 XXXX also said it was a posting error, not my fault, and there would be no late fees, or credit problems. In the mean time, I receive a package from Dietect telling me how to not be foreclosed on by Dietech. More upsetting. Called XXXX back on XX/XX/2016, still posting error not corrected, XXXX ext. XXXX says the computer system had been changed she was sure that was why my payment of {$1000.00} was posted to the wrong account. I ask for XXXX Manager, XXXX XXXX XXXX, He says the reallocations take care of this, His department has done what they should by sending the request to correct error, showing where money was and where it should be. XXXX XXXX XXXX said he would resend request and try again. I ask for number of they ( reallocations ), Dept suppose to correct error. XXXX XXXX XXXX - ext. XXXX said he did not know number. XXXX XXXX XXXX said I could call every 20 minutes of every day and that would not make a difference in getting the error corrected. Im angry, Frustrated, have spent hours upon hours trying to get error corrected, Im the only one who seems to care. Late fees were removed but still no posting of my XX/XX/XXXX Payment {$1000.00}. I spoke with XXXX - ext. XXXX, today XX/XX/XXXX, error still not corrected. She now says i should call back tomorrow, again. I dont know what else to do. Can someone check into this. I have also seen other complaints regarding similiar circumstances with Dietech. My Dietech account # XXXX, billing address XXXX XXXX XXXX, XXXX, Tn XXXX : Property address XXXX XXXX XXXX. XXXX, Tn XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Rewards

Complaint: Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was charged for shipping on my Kohl 's when i should not have been charged. They agreed to reverse the charge on XX/XX/XXXX, the charge did not get removed so I called again on XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX they said that the refund was canceled twice. I was also told on XX/XX/XXXX that I would receive an email with my refund information. The refund is only for {$9.00}. I'm not sure why I can not get my {$9.00}. I'm on my XXXX call with the Kohl 's charge company and they offered me free shipping on my next order ( i get free shipping on orders anyways ). They can not give me the number to the people that keep denying my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I got behind on my mortgage payments due to a significant decrease of income which started two years before but I was able to stay afloat using my savings. After XXXX failed attempts to modify my loan ( the XXXX time due to insufficient income and the XXXX due to excessive income ), on XXXX, I was finally approved through HAMP, basically with the same information provided originally. The approval documents sent to me showed an increase of {$46000.00} on the principal. Since that moment, I have been, repeatedly, requesting an itemized information on the fees that caused such increase. On XXXX XXXX, I did start the trial period which ended on XXXX XXXX. I have been making my monthly payments for all this time and also continued disputing this {$46000.00}. Only last XXXX, XXXX, The bank sent a list of charges made to my account that included payments to force placed insurance and taxes, a {$35000.00} of unpaid interest as well as a long list of charges that no one have been able to explain. I have proved to the bank that taxes and insurance were paid by me. I considered the unpaid interest to be excessive so I asked for the formula used to calculate the unpaid interest. I have been requesting a review and recalculation of my debt but it seems like there is nobody on the other side. I have also found that more fees have been added to my account for things like drive by inspections performed recently, Corp. Adv. XXXX Gen. ( which no one could explain ), returned check fees which could n't be for I 've paid by phone, including an item described as unknown. 
At this point, the different departments involved have not taken any responsibility in clarifying what have they done whit this loan, nevertheless fixing it. It is clear to me that at the time this loan modification was processed, the staff involved did not have appropriate training and knowledge resulting in an unfair treatment to my case. To make things worse, every time I 've called for clarifications on documents sent in response to my questions, XXXX they give me a totally different answer from that in the paper and XXXX, when I refer to the document itself they seem not to have a copy in their records. I do believe their broken system is also negatively affecting this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16, I had a problem with my car stalling out on the highway. It was towed to XXXX of XXXX XXXX. The diagnosis was that both my left side and right side fuel pumps were malfunctioning. They were able to repair the left side, but found the right side pump to be on national back order. The car, upon leaving their shop, was operational, but when starting it, had a delay due to the right side fuel pump having to be doctored by them to function somewhat. I paid {$1200.00} for their labor and parts. On XXXX/XXXX/16, I decided to have a second opinion on it with a repair shop much closer to my home and took it to XXXX XXXX automotive of XXXX, Florida. When I brought it in, I specifically told them about my previous situation and that the right side fuel pump was on national back order ( by the way, I also had this information verified by a XXXX XXXX center in XXXX XXXX ). When you review the invoice for XXXX, it clearly affirms what I told them ... .that the fuel pump was on national back order. a couple of days later, I was called by them to inform me that they had found the fuel pump! Elated, I brought the car back to them and had them do the repair. Upon picking it up, however, I still noticed the original delay in starting the car. When I got home, I looked at the invoice more carefully and found that they had replaced the very same left side fuel pump that the original mechanic had already done! As such, duplicate work was done. I tried to work with XXXX and all I was told that was, basically, I would have to bring the car back in and pay more labor. I would like to point out that I did not dispute the entire amount of the invoice ( {$1000.00} ), but only for the duplicate part and some of the labor as I felt they were warranted to be paid something for their time and effort, so I disputed {$820.00}. I disputed this amount with my credit card through Wells Fargo. I turned in this dispute in XXXX of 2016 and it was not filed by them until XXXX/XXXX/2016. The repair outlet had 60 days to respond and, per the guidelines of Wells Fargo in disputes, I was to receive any response from this company ... .I did not. I had to request the answer from Wells Fargo last week and I got it three days ago via mail. My dispute was not accepted due to the fact that they felt that the repair center did work on the car ... .even though it was duplicate work already done by the first repair company. I do not understand how anyone could agree that duplicate work and getting the same part that was replaced before is acceptable. XXXX XXXX XXXX certainly did not order the right side fuel pump and simply replaced the same XXXX that had been replaced a few weeks earlier. the owner of the XXXX XXXX did want me to bring the car back in, but pay for even more labor to rectify their mistake.

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