milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Credit reporting () with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX, I had a XXXX student credit card from Wells Fargo Bank. It was sold to a collections agency because at the time I could not keep up with my payments. XX/XX/XXXX, while I was XXXX with the XXXX XXXX, I paid the account in full leaving it with a XXXX balance. To this date, this account still shows up in my credit report which I feel is impacting my credit even after 4 years of the account being paid off. I was promised a full deletion of this account from my credit report, but Wells Fargo still shoes up as a derogatory account. I will submit documentation to proof that I paid this account and left it in a XXXX balance in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (I do not know) with Torres Credit Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving a call every day from this phone number starting XXXX weeks ago. Every time I pick up the phone, either the other party hung up or not said a word. I searched on the internet and found that it is a debt collecting company. I do n't own any debts so I never bothered to call back. I also blocked incoming calls from this number because it is very annoying! At a result, they just leave me a XXXX second long empty voice mail everyday. Seems like many people on the internet have suffered through their harassment!

Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, Bank of America performed a hard inquiry into my credit status without my permission, oral or written. I currently do not have any loans with Bank of America. No explanation was given as to why this inquiry was performed. Hard inquiries into anyone 's credit can and does affect their credit score for at least 2-3 years.

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 08-10-2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MN).
Issue: Managing the loan or lease

Complaint: In XXXX of this year I filed a CFPB case # XXXX. I had an issue where Chrysler Capitol billed me {$460.00} for state registration that they did pay on my behalf. They did so without calling or sending me an email. What they did n't know is that, since my tabs expired, I purchased the tabs on my own on XXXX XXXX. I contacted them and was n't able to get this issue resolved so I filed the complaint. Chrysler Capital did send me a letter in response to my CFPB complaint. They asked for me to send proof of this payment. I complied with Chrysler Capital 's request to send proof that my Minnesota vehicle registration was paid and I asked for them to send me a letter confirming this issue was resolved. I never received a letter or a call as such. I still receive a monthly invoice from them indicating I owe an additional {$460.00} for registration for 2015. I called them today and the customer service representative saw my compliant but was n't able to tell me if the issues is resolved and why it was showing on my monthly invoice still. I feel I ca n't get a resolution from Chrysler Capital and I 'm concerned that this charge may affect my credit or they may attempt to collect via collection agency. I want a letter confirming this issue is resolved and the charge removed from my invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted Sallie Mae to request some relief when I could not make $ XXXX/month payments on a XXXX % private student loan. Asking if there was any way to lower my payments I was told that I could enroll in auto debit to save .25 % on my interest. I told them that that would not help. I was then told that I would have to miss payments and go delinquent on the loan before they could offer me any additional assistance. After I missed my first payment I called again and was told that I would have to get current before they could offer me any relief. I did n't have the {$200.00} that I owed them now they wanted {$400.00} before they would discuss relief. I missed an additional payment and called them a third time. This time I informed them that I was recording the call to keep my own records because I believed that I could not rely on them to work with me to offer realistic solutions. They refused to speak to me while I was recording and disconnected the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Trouble during payment process

Complaint: In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.

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 08/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase bank are making it increasingly difficult to ascertain the fees and charges they are racking up against my account. Recently, we had a couple of small payments with insufficient funds to cover. Usually, Chase will immediately show a {$34.00} fee for each item. However, they have taken the route of now HIDING those fees and BUNDLING them into XXXX charge as a part of the end of month statement. This is carefully planned by Chase, as it makes the fees very difficult to question or discuss. Often a substantial period of time has passed, so Chase can assume the client has forgotten about the incident, and therefore will not question the fees when charged at a later date. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Unauthorized credit inquiry still not removed after the creditor and my self have requested the inquiry be removed. Have even sent them proof.

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 01/16/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Closing on a mortgage

Complaint: this complaint is based on the response from the company in regards to complaint # XXXX that response is a forgary. the company admited fault for not disclosing and requiring the insurance prior to closeing and acnoledged that within the first 3 weeks of closing that insurance was needed. in regards to the companys response it has been proven that the values listed by XXXX in the response is a fraud and does not reflect the origonal loan application. i then asked wellsfargo through secure messaging for my loan application. i then asked XXXX who was handling my issue and sent the fragulent response for the same document. wellsfargo sent me the one i signed in person. XXXX sent me one that he altered and put my electronic signature block in makeing it not only another fraud trying to cover up his mistakes but a forged signature. before adding the wind insurance which then was around 2700 a year my liabilitys were XXXX in the response with the added wind insurance it states it was XXXX and equaled a debt to income ratio of 40.07. they used those values becuase on my application my liabilitys of XXXX would be over 41 % debt to income ratio. this means they they had the knowledge that it was not exceptable for lendingeven before the house closed but to get the comission they pushed it through. using the values of the loan application and adding the wind insuance of XXXX a month which comes too XXXX which is way above the debt to income of 41 %. and now to make things even worse that wind value was before hurricane season. as of today the wind insurance jumped to XXXX which will be alot higher debt to income ratio. wells fargo sent cpfb a fragulant response after admiting they didnt disclose the right info before closing and proved that my debt to income was not acceptable before the loan closed but pushed it through to get commission. this extra insurance if the rate does not change for 29 years is over 95k which i would never had agreed too.

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 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian ask for {$1.00} to check your credit report, but they keep your credit card on file and bill you {$21.00} two weeks after. 
Spoke with their representative XXXX and supervisor XXXX in XXXX and they said that when you approved the conditions they charge you montly! 
Please help,

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 05/15/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Bank of America was sending my statements to somewhere unknown. Bank of America invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with NETSPEND CORPORATION (VT).
Issue: Other transaction problem

Complaint: I am on XXXX XXXX XXXX and receive a direct deposit on my NETSPEND card monthly. I received my XX/XX/XXXX deposit on X/XX/17 of 2017. I went to the ATM and withdrew only XXXX of the XXXX deposit. Imediatley came home to pay my utilities via telephone with my Netspend card and was declined. I called Netspend to check my account balance and had XXXX and change left. I then received a mobile text alert that said there was a money transfer to XXXX XXXX in the amount of XXXX and a XXXX fee for the transfer I did nor=t authorize. I imediatley reported this to the Dispute Claims department at Netspend. I received a reference number, claim number and contacted the Better Business Bureau..to file this complaint. I was told by Netspends fraud department 2 days after filing the dispute that I was in fact a victim of fraud and they had to close my account because my safety and personal information had been compromised. The fraud department rep I spoke with admitted to seeing that multiple numbers from California had called, checking on the status of my deposit since X/XX/17. That the frauders had my D.O.B., social security number and even tried to change my PIN number. She also admitted to knowing about XXXX XXXX fraud ring occurring at the present time. I was TOLD I WAS A VICTIM, yet they refuse to refund my money. As far as I can tell, the investigation has been verified to be a legit case of a Money transfer scam and Netspend refuses to talk to me now. I called them to give them an updated email address and was told I could NOT be connected to the fraud department or the Dispute Claims department, as I had to wait for the investigation to be complete which is 56 days away..I am on a fixed income and facing serios hardships due to their bad business practices. My utilities will be shut off in 2 weeks and have no other means of financial help. I have contacted the Better Business Bureau ... .and just today I received a call from Netspend , stating I can no longer receive their services. The mans name was XXXX. I am serious about my financial hardships from this and need to be contacted and/or advocated for in this matter ... My home phone is XXXX and my email is XXXXXXXXXXXX ty

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 01/24/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Shopping for a loan or lease

Complaint: I RECEIVED A NOTICE OF ADVERSE ACTION FROM AN APPLICATION MANAGER FROM REGARDING A XXXX LOAN WHICH I NEVER APPLIED FOR ON XX/XX/2016 COMPANY NAME IS AVANT STATING A DENIAL OF TO MANY INQUIRIES AND PERSONAL INFORMATION WHICH IS ILLEGAL TO ACCESS MY CREDIT REPORT WITH MY CONSENT, THIS IS A VIOLATION OF PERSONAL PRIVACY TO ME AS A CONSUMMER, AND I 'M REPORTING THIS HERE AND ALSO WILL BE CONTACTING ALL CREDIT AGENCIES. I WAS TOLD THERE ARE NUMEROUS INQUIRES REPORTING WHICH I FEEL WILL AFFECT IN LOWERING MY SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: alliance one accepted my amnesty payment even though all payment were to go through XXXX they mislead me to think i was able to participate in amnesty program even though they new i could not

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a reported a fraudulant account on my credit report several times to Transunion I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Transunion stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Transunion :  XXXX  Acct #  XXXX    XXXX   XXXX   XXXX   Account :  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 01/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In follow-up to my complaint number XXXX, SPS has yet to address their correspondence and request to set-up automatic drafts of my account that was mailed to me in XXXX XXXX. Instead they continue to turn back to the excessive auto-draft, but this was not the only issue. My complaint arises from more than that singular issue, but the series of errors that SPS made and then refused to address or correct. SPS keeps stating that the only issue was their overdraft of my account which took place under authority I extended them back in XXXX. If this was truly the case, why send me a letter and form to set-up auto-drafts with my loan modification documents in XXXX XXXX in order to maintain currency on my accounts? Per SPS 's statement, this would not be necessary because supposedly they already had my authority ... though their customer service team throughout my loan modification process continually stated otherwise and that I would need to set-up a new auto-draft once my modification was complete. SPS continues to lie about their actions and responses and this is why I will continue my protest until I am made whole. It is SPS 's correspondence of XXXX XXXX that contained the instructions to complete the auto draft form, submit it, and in the interim make check payments. It is this written request and direction from SPS which made me mail payments for my XXXX and XXXX mortgage even though they had already removed an excessive amount from my bank account ( I just was not aware of it yet ). From there, SPS attempted to process XXXX these checks - not once but twice after I had already contacted them about the error in their overdraft. Despite my repeated requests for correction, SPS failed to respond for months, specifically from XXXX XXXX through XXXX XXXX. It was after I filed a complaint with CFPB that SPS slowly began addressing pieces of the fall out to me. In lieu of acknowledging their error, they preferred to refuse to credit my mortgage accounts appropriately, refused to credit me the {$110.00} in bank fees I incurred, and instead decided to report my account as late to credit bureaus because of the {$110.00} ( disputed amount ). I should not be penalized for SPS 's errors with late reports on my credit when I have not been late ... only defrauded. It is this type of unscrupulous behavior why CFPB was formed to help protect consumers against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation