milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called my phone at work several times after asking not to call my work phone. Several times they keep saying they have no record of them calling and no record of me on tape saying not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called XXXX 2017 to voice concerns to Wells Fargo Dealer Services that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.

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 09/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.

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 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I was advised to pull my credit report after Bankruptcy. Transunion is erroneously reporting XXXX which is not my account.TransUnion reporting XXXX incorrectly affecting my credit and my XXXX son who is a US Service member.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: File number XXXX dated XXXX/XXXX/2015 by Transunion reflects on page XXXX of XXXX ' XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Paid Collection shows above XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX IN MY LIFE. NOR FINANCED XXXX TRANSUNION SHOWS A 30 DAY LATE WHICH IS WRONG

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE ().
Issue: Trouble during payment process

Complaint: Through my escrow accounts, Mr Cooper has taken very high sums ( XXXX USD per year ) for an insurance policy, that was totally overpriced and that I did n't need. In addition, they have ignored my numerous asks to create some transparency on this account and their logic for charging me. 

- they have taken about XXXX USD per year on my escrow for about XXXX year, and there is nothing I can do - they have ignored the fact that I had coverage independently. I sent them the policy number and submit it on their website, but they never answered to those emails, just send me generic service emails and continue stealing my money - separately, I asked them more than XXXX weeks ago for a reconciliation of my escrow account since inception, and they said they would send it but never did. They are ignoring my asks to have visibility on what happened They are basically crooks. And because I do not want to damage my credit score, there is nothing I can do. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with ConServe (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no knowledge of this debt. I never received a right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (MO).
Issue: Problems when you are unable to pay

Complaint: having trouble paying the loan.When I go to see them they is n't nice.They wo n't lower the payments.My job is slow and I do n't make that much money.I have other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a XXXX XXXX and XXXX card on XX/XX/XXXX. I was told that I would receive a letter in 7 to 10 business days. When I received the letter I was told to call and verify my information. I called and was told I was approved for {$250.00} for XXXX and {$350.00} XXXX. So then I got a letter asking for a copy of my id, drivers license, and bank statement. I sent in the information Priority Mail which was {$6.00}. I called XXXX XXXX  when it was delivered and was given an account number and told that I can go into the store with my social and they would be able to pull up my information. So I took my wife to go get some clothes. Imagine my embarrassment when I was told that the information was still not working. So they gave me a number and I called, XX/XX/XXXX I spoke with a supervisor who told my account was permanently closed because the id and social security were unreadable. But the supervisor advised he would give 45 more days if I could get in a better copy. So I took time out of my day to go down to the social security office and get a brand new social security card. Sent in the information AGAIN priority on XX/XX/XXXX another {$6.00}. Tracked and seen it delivered on XX/XX/XXXX. Called almost every day to commenity since then and was told no information was processed yet to give it a few more days. Give it a few more days. Give it a few more days. Called yesterday XX/XX/XXXX, was told by a supervisor in Idaho that the account was permanently closed back on XX/XX/XXXX and he could not reopen it. NOT ONCE was I told that when I called several times before that. I was told the information was not received. Now these 2 credit cards are reporting to my credit report as closed accounts and SIGNIFICANTLY dropping my credit score because that reflects bad on me. These accounts were never open to begin with so how can they be closed. I am disgusted with this company and extremely disgusted with the customer service I received. I spoke with several people who never told me once that my account was permanently closed. I gave the supervisor last night the tracking number to the information sent on XX/XX/XXXX and he too seen that it was delivered on XX/XX/XXXX. Why it was not processed I am not sure. But I want these 2 credit cards off my report! This is completely ridiculous. And completely unprofessional.

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 12/22/2016 about Money transfers (International money transfer) with PNC Bank N.A. (NJ).
Issue: Wrong amount charged or received

Complaint: On XX/XX/2016, i initiated a wire transfer from XXXX in the amount of XXXX to be transferred to my PNC checking account. The We were quoted an exchange rate of XXXX per XXXX $ or {$61000.00}. But the amount deposited into the PNC account was substantially smaller, {$59000.00}. When I called PNC about it, they noted an exchange rate of XXXX. I checked multiple banks ( XXXX, XXXX ) in the XXXX and in XXXX ( XXXX, XXXX ), and could not find this rate anywhere else in roughly a month 's time. The rates were in the range of XXXX and XXXX. 
When I called PNC to inquire again, they told me PNC uses its own rates, but during my first call, they had noted that they follow international rates. 

While I understand the rates can vary, I could not substantiate the rate used by PNC anywhere else, and thus feel we lost over {$2300.00}. Had I know this in advance, I would not have used PNC at all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After repeated attempts by myself and my attorney to negotiate a monthly payment plan, I was told they wanted the full amount and nothing less. In my situation, of being XXXX and retired, I am on a fixed income and could not afford what they were asking. I am very familiar with their practices by being a formal law enforcement officer. I will not go into further detail on that subject. To conclude, I was always willing to pay this debt, but was told time and time again that a monthly payment plan was out of the question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed a direct dispute with Transunion XXXX XXXX XXXX for 8 accounts. 6 that are fraudulently open ( {$150.00}, {$200.00}, {$2000.00}, {$900.00}, {$69.00}, {$1300.00} ) ; due to stolen identity, and the other 2 ( {$14000.00}, {$7800.00} ) which the amount owed is incorrect. It has been longer than the 30 days that the law requires. I called Transunion on XX/X/17, to follow up on my dispute, they were unable to help me and gave me the same file number after the agent told me he redid my dispute. He did not want to email me the information nor give me any information regarding my dispute. The agent was very rude and could not understand me. He Kept repeating the same thing over and over. It was very hard to understand his accent as well. Nothing was resolved or even token care of.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.

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 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Had fraudulent charges made on card. Disputed with bank, and they have removed charges. Account balance now XXXX, but still being reported overdue with an outstanding balance by Transunion.

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 05-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.

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 08/18/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Thank you CFPB! I finally received the documents of the transactions that I have requested from my mom 's mortgage company - Ocwen Financial Services since my last complaint through the help of CFPB case # XXXX. I am seeing a lot of charges for Attorney Fees and other charges. I would like a detailed written account of each transaction of the fees assessed to help me understand why my mom was charged over XXXX charges in fees, XXXX charges in attorney fees and XXXX certified mail charges during the life of the loan with them. Some of those charges occurred multiple times during the same date. I would like the date of the charge and an explanation of how it was assessed. I would like to receive this information within a week 's time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a checking account with both USAA and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was with ocwen. I go to pay my monthly payment it says I ca n't. I call Ocwen they tell me they sold my mortgage to XXXX. No one ever bothered to even notify me. I call XXXX and ca n't get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

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 12/29/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Problems caused by my funds being low

Complaint: Chase Bank altered their overdraft protection policies, resulting in a {$34.00} overdraft fee to my checking account. Rather than move the money from my savings account to cover the {$6.00} overage ( as per their past policy ), Chase Bank in under 24 hours added a {$34.00} overdraft fee to my checking account. 

Upon going into the local Chase Bank branch to report what I believed to be a mistake, I was informed that this was their current policy. And, although Chase removed the fee, the banker informed me that he would not remove a similar fee again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This debt has not been accurately verified. There is no contract with my signature per request.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I like to report that there has been fraudulent activity going on in my bank this is the banks from wells Fargo and XXXX XXXX XXXX I have also had accounts tried to be opened up at the XXXX XXXX in my name I have already disputed claim and written letter to well wells Fargo and XXXX XXXX XXXX they XXXX XXXX XXXX has yet to respond to the claims it has been more then 30 days and I have yet to receive a response from XXXX XXXX XXXX theat are now 3 days pass

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