milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On    XXXX   XXXX   2017, we paid our HE LOC balance in full.   Prior to payment we called Chase Mortgage to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not m ake a  XX/XX/2017  pa yment, as full pay-off would be made  72 hour s later.   We were assured it was ok and there would be no problems.   B ut Chase cre ated a major problem for us, by reporting a " late '' paym ent on  XX/XX/2017 , when  they assured us they would.   As the full amount of the loan, not just a monthly payment was made 3 days later and  Chase knew it was coming, from to notifications ; one from our phone call and the second fro m the  XXXX   XXXX  notification of pay- off seven days  earlier, it was unfair of Chase Mortgage too harm our credit with a late report.   The  Credit Rating companies - XXXX  - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 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: The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by  XXXX   XXXX   XXXX ,  2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017   XXXX , FL  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 08/21/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015 I had fallen behind on my mortgage and was working with Wells Fargo to remedy the situation. I had put my home on the market for sale and was notified on or around XXXX/XXXX/15 that the house was going into a foreclosure status. I quickly contacted the short sale department and began to work on becoming approved for a short sale. In the meantime, I received a cash offer to sell the house and contacted Wells Fargo to let them know the good news and obtain payoffs. At that time, their system did not reflect any foreclosure fees associated with the property however the next day, they moved my file out of the pending short sale department and it went into an active foreclosure status again charging me {$3000.00} for a {$25.00} filing fee with the courts. They knew that I would be paying them in full in 10 days. I feel that there was no reason for doing this to me and I filed a complaint with them on XXXX/XXXX/2015. I closed on my home on XXXX/XXXX/15 and they were paid in full for all late fees and penalties and interest along with this additional, " foreclosure fee ''. To date, no one has responded to my complaint and I have called in a few times and was only demeaned by the foreclosure department stating that I was the one behind in my mortgage and they did not care that it was paid in full. If the foreclosure department touched my file, that would be the cost. I think that the cost of {$3000.00} is exorbitant for a file that was in their possession for less than 11 days. And again I want to point out that the moment I notified them that I would be paying them in full they moved my file to foreclosure department and acted fast. Please someone investigate this on my behalf. I feel that their practices were designed to intentionally penalize me. I also feel that had I not called them to notify them, I would have sold my home with it not being in the foreclosure status and not been responsible for the additional {$3000.00} in fees ; again proving that the charge was excessive and not in the best interest of the client ( me ). Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with Johnson Mark LLC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-03-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Application, originator, mortgage broker

Complaint: US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through XXXX XXXX which I did. As a result of me making my payments through XXXX XXXX and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if they had n't made a false promise that it would lower my mortgage when all it did was hurt my credit.

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 06/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: To whom it may concern, U.S bank charged me for overdraft fees and are refusing to return them. I was on the phone with a banker on Monday XXXX XXXX at XXXX Pacific time. My account was not overdrawn and everything was well! On Tuesday XXXX XXXX, I received a call from the XXXX branch, checked my checking account and I have XXXX consecutive overdraft fees for funds that had not been processed the day before even though less than 24 hours before then my pending balances were evened out by the balance available. I went in to talk with them and I was told I can only get XXXX refund. This is not the first time something like this has happened but seriously this time has got to be the worst I have felt ( primarily because my XXXX other accounts with them had more than enough cash!!! ). This is such a rip off, their customer service representatives take no action towards this ( and apparently are not allowed to ) and honestly as petty as this sounds I am flabbergasted at how much this institution 's restrictions and process prove to be incompetent at times. If you know that your bank processes weekend charges much later than other banks then you also should delay on charging overdraft fees instead of ruining people 's financial planning.

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 12/17/2015 about Consumer Loan (Vehicle lease) with Campus Student Funding, LLC (GA).
Issue: Taking out the loan or lease

Complaint: Through research I had to find out how the payments were to be made into which I found out the payments were to be made electronically through an ACH ( automated clearing house payment ) form. Well all I wanted to do was terminate the ACH form and pay for the lease through my own means and their website into which you can pay by check or credit/debit card. It states on that form that a submission in writing must be made to MotoLease LLC. for whom the lease is though in a reasonable amount of time for them to respond. I then called MotoLease LLC. to verify that the address I had mailed the letter to was correct. Which it was, but upon verification I spoke with an XXXX at the time and I was notified I would have to pay a security deposit of {$300.00}, and it is not listed anywhere on the ACH form or the lease terms. During that same call I asked XXXX could they waive the fee for that because it is not listed anywhere in the terms and to speak with management I was denied was told my information would be passed along. I call back today ( XXXX/XXXX/2015 ) spoke with another representative today asked about the information and still was not given an answer, but I was told this time that the security deposit amount was {$500.00}, and was apologized to for being given the wrong information. Again I asked to speak with someone in management was denied again, but was told by the same rep ( whose name I did not get ) that they would just cancel the ACH form and I could pay online into which steps I have listed above. To add I was not told by the dealership XXXX ( XXXX ) or even MotoLease how the payments were to be made I had to research all of this information for myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
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: I purchased concert tickets on XX/XX/XXXX with a shipping method of 3 days. The email I received from XXXX  said I would receive my tickets in 3 business days. My card was charged on XX/XX/XXXX according to my billing statement. When I didn't receive the tickets after 7 days I requested a refund on XX/XX/XXXX based on my rights under the FTC 's Mail Order Rule, which states " The Rule also requires that, when a seller can not ship within the promised time, the seller must obtain the buyers consent to a delay in shipping or refund payment for the unshipped merchandise. '' XXXX  refused to cancel the order. The moment they refused to cancel my order it became an unauthorized transaction. I received my tickets 11 days after the promised shipping date. I again requested a refund via XXXX. I then opened a dispute on my card card 14 days after the charge. Bank of America took 60 days to tell my their decision, which was that XXXX  provided prove the order was delivered. However, I believe this order should have been canceled under my rights as a consumer based on the FTC 's Mail Order Rule. I then called BoA once again and they refused to reverse the transaction. I've filed a XXXX  complaint agaisnt XXXX  and Bank of America. I've also filed a complaint with the Department of Consumer Protection for the state of Connecticut and an a FTC complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Problems caused by my funds being low

Complaint: SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has incorrect hard inquiries on my Equifax credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my Equifax report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion Regarding Unauthorized Inquiries on my credit report, and I have supplied Transunions Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XX/XX/2015XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXInquiry Type : IndividualRequested On : XXXXXX/XX/XXXXXXXXXXXX/XXXXINQUIRY DATE XX/XX/XXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
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. (MD).
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 disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Transunion - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via 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 09/16/2016 about Debt collection (Credit card) with Hiday & Ricke, P.A. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.

Company response to consumer: Closed with explanation