milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  is reporting a collection account on my credit report with Transunion. this account was originally a  XXXX  account, which had then been transferred to  XXXX   XXXX ,  XXXX . I paid the account with  XXXX   XXXX  on  XX/XX/XXXX . This account should have never been sent to  XXXX   XXXX , and I definitely should not have had to pay it again, nor should it be on my credit report. I have disputed it directly with Transunion twice now, and  XXXX   XXXX  keeps coming back saying it is valid. I spoke to a representative from  XXXX   XXXX  who agreed to remove the item from my credit report back on  XX/XX/XXXX . I then spoke to another representative from  XXXX   XXXX  on  XX/XX/XXXX  who told me they could read the previous rep 's notes, but would have to review the records because they could n't understand why I would have been told it would be removed and that they had no proof it was paid, although  XXXX   XXXX  informed me they had sent it previously to the original creditor,  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 11-12-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am disputing the results of Wells Fargo 's investigation into my claims of Predatory Lending and Mortgage 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am placing a freeze on my credit files at XXXX, TransUnion, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.

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 09/21/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.

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 09-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid for a one time {$29.00} for a credit report from Transition. Now I see that I was enrolled into some automatic plan within 10 days of my single payments. Obviously this is a scam with Transition because a search of the internet shows that thousands of complaints. This can not be the first time you heard of this unethical practice. Why is this company and numerous other companies allowed to use this automatic enrollment scam unfettered without punishment? 

My Orders ( XXXX ) Order Number Date [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price Transition from TU alerts to XXXX alerts auto_transition {$19.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price TU Report, TU alerts, and credit lock access initial {$1.00} [ - ] XXXX XXXX/XXXX/2016 Details : Print Receipt Product Type Price XXXX Merged Report, All XXXX Scores, and Debt Analysis sub_transactional {$29.00}

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.

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 07-01-2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: The Citibank offered several promotional offers in XX/XX/XXXX. One of the offers required a deposit of {$25000.00} in a new account ; keep it for 90 continuous days for a cash bonus of {$500.00}. I contacted a personal banker of the Citibank who verified my account and eligibility requirements to receive {$500.00} bonus. The banker opened a new XXXX XXXX XXXX XXXX for me and instructed on how to transfer money from another bank to the new account. After the banker assured me that I was eligible to receive the {$500.00} bonus, and the {$500.00} will be deposited into my account after 90 days, On XX/XX/XXXX I started to transfer {$25000.00} from XXXX XXXX to the Citibank. The {$25000.00} transfer was completed on XX/XX/XXXX. The Citibank has not yet deposited the {$500.00} bonus as promised. The bank insists on offering only 10 times the interest up to {$500.00}. I never participated in any offering that offered 10 times the interest.

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 06/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015, our mortgage payment went up {$53.00} due to an increase in property taxes. We have our payment set up to go out automatically on the XXXX through our bank, and it went out as scheduled in the old amount. We started getting phone calls, many a day, at work, where we could not answer them. They left no messages, and only different numbers would come up on caller ID, no company name, so we assumed they were sales/spam calls. I finally answered XXXX after work one day, out of curiosity, and found that we had been reported to the credit bureau for being 31 days past due on our mortgage. I explained the situation, but it did n't matter. They kept insisting we were an entire payment past due. I 've tried to get them to explain why they held the funds they had for 30 days, which was all but {$53.00} of the payment. They can not explain why the held those funds or why they were n't applied to the loan. They could have at least applied principle and interest and let the escrow account be short. We caught up the loan the next month, but our credit has suffered. It shows that we were an entire payment past due, not just a XXXX dollars on the escrow account. We have NEVER been late on a mortgage payment in over 25 years. They also started sending us information on avoiding foreclosure, mortgage assistance, etc., all over {$53.00}. Our loan was sold to them from GMAC ; we did not choose to deal with this company. We had problems the year before with misapplied funds, but I do not think our credit was hit through all of that. That was totally the error of Ocwen, and they admitted that it was their error.

Company response to consumer: Closed
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with KEYCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Credit decision / Underwriting

Complaint: I applied for a home mortgage and was denied based on prior short sales on my credit report. It is my understanding that " VA does not recognize a short sale as a derogatory event. If you are able to credit qualify for a VA loan, a short sale would not prevent you from being eligible for VA financing. '' I called the bank before applying and was told that it would not be held against me and that I should apply. I had multiple investment properties that I had to short sell in previous years but the most recent was my primary residence that I had to short sell last year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Confusing or missing disclosures

Complaint: Went to Chase bank to send {$1900.00} to the XXXX. Asked to wire and was charged {$50.00} for wiring, was done today XX/XX/XXXX. Now reading the small letters the officer did not tell me that the money will be available in the XXXX on XX/XX/XXXX, and that there may be charges by the bank in the XXXX ... 
How come wiring takes 8 days and was not told about it? So Chase bank uses the money for 7 days? very sad non professional practice by the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   of f my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresus should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: This company Santander Consumer USA are theives and liars. They rip-off the american public. IF YOU RESEARCH ON THE INTERNET ie Rip-off report and XXXX in the XXXX area or nationwide area you will see THOUSANDS of complaints for them.!! They charge outrageuous fees, extend installments, repossses your car even though payments are made!! Goes on and on. READ ALL OF THE COMPLAINTS ON THE INTERNET & gt ;!! Something has to be done about these people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I 'm not sure this is your issue to handle as there is no category for it ... 
XXXX XXXX XXXX has been over-charging me monthly since XXXX, 2015 by up to {$100.00} a month. I call a representative a couple of times every month to get the issue resolved and, while they are very helpful, the information seems to go nowhere and I have to deal with the same problem monthly. I am told that it 's their error and my account will be refunded but I am still waiting for the Errors to be corrected. I will submit documentation once you tell me this is an issue you with which you can help. My XXXX XXXX XXXX fees are deducted from my credit card ... I would call the credit card company and dispute it but I do n't want my phone service stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX, XXXX ''. This company states that Capital One Bank XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am a XXXX XXXX for XXXX XXXX XXXX XXXX. For 10 years, I have been garnished for an uncollected debt which I have not received any information about the status of payments to terminate the debt nor what the debt is about. 

When contacting XXXX XXXX XXXX XXXX, I was given the following phone number XXXX. When I called this number earlier today it was disconnected. I then called XXXX the original debt collector XXXX and was told to try again as the number is now working. XXXX also gave me the names of XXXX XXXX and XXXX XXXX. When I called XXXX XXXX, he hung up on me. 

XXXX XXXX XXXX XXXX has closed this case and will be refund the last garnishment ; however, I am trying to receive a refund of any monies overpaid. This debt does not appear on my current credit report. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I never received statements from  XXXX   XXXX . When did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score.

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 02-10-2018 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: Account status incorrect

Complaint: I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and XXXX AND EQUIFAX refused to removed account from my wife 's credit report

Company response to consumer: Closed with explanation