milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried pulling my credit report to refinance the balance of my vehicle loan with XXXX XXXX XXXX. I come to find out that XXXX reported me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the XXXX and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: I noticed today that a {$500.00} preauthorized debit was posted to my Citizen 's bank account under " XXXX XXXX ''. I called the bank, and they could n't tell me who got the money but they did say that they used the router numbers to obtain the cash, and that they will conduct a full investigation and that I should call back tomorrow. I know that I absolutely did not authorize any {$500.00} transactions, and I am a little suspicious that the bank would authorize such an amount without knowing who the money was going to. I have checked six months of bill paying online, and every transaction id 's themselves. ; ie ; XXXX, XXXX XXXX, ect..They say I will have to wait until tomorrow to file an unauthorized charge report and of course I will do so, but there is still the {$500.00} missing from my account. Does this seem right?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I went to review my credit report, only to discover that there was a collection account on my credit report. I have never receive any communication from them, whether in writing or a phone call. I truly protest this level of fraud by putting this on my credit before contacting me as I have been at the address for years. 

Very shady practice to do that.

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 10-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: XXXX XXXX, XXXX is effective BY OPERATION OF LAW. AT THAT POINT IN TIME WHEN THE NOTICE OF RESCISSION WAS SENT, THE LOAN CONTRACT IS CANCELED, THE NOTE IS VOID AND THE MORTGAGE IS VOID -- - BY OPERATION OF LAW

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Starting in XX/XX/XXXX Wells Fargo started sending me statements in the mail for a credit card I had paid off and closed on XX/XX/XXXX. These statements showed a credit limit of {$4300.00} but I had no credit card nor any access to this account. The statement showed I owed them over {$2000.00}. And without my permission they began taking the amount of {$46.00} per month out of my checking account at a different bank. When I called them about this they gave me information to access my old credit card account online but I was unable to access this account online. I called several times to explain this account was paid off and closed and to stop but Wells Fargo never complied with my requests. I continued to let them remove the payments from my account so my credit score would not be affected.

In XX/XX/XXXX I changed banks and now Wells Fargo is demanding payment for an account that was paid off on XX/XX/XXXX and showing me as late on my credit report. What they are doing is fraud. On my credit report it shows this credit card account was opened onXX/XX/XXXX and closed on XX/XX/XXXX. I have written a letter to Wells Fargo with a copy of the credit report and letting them know I have contacted the Consumer Finance as well.

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 04-05-2016 about Mortgage (FHA mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Settlement process and costs

Complaint: Mortgage Company RMS that my mother had Reverse Mortgage with. Is trying to defraud family members who wish to buy Home back. Buy appraising home at more than it value.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: I applied the American Express Platinum card and paid {$450.00} annual fees with XXXX points bonus reward after I spending {$3000.00} or more within 3 months. I did spend about {$3000.00} in XXXX and got XXXX bonus reward. In addition, I spent another {$160.00} in travel and American Express credited during 3 months period these money back to account so the total purchase was still about {$3000.00}. However on XXXX XXXX, 2016 they took away my XXXX bonus points which they called " Point Adjustment ''. I chat with American Express online on same date and he and his supervisor told me they subtract the money which I got credit so the amount was below {$3000.00}. I explained to them American Express already subtract this money which was additional purchase nothing to do with my total purchase {$3000.00}. They acknowledged that I am correct and gave me the XXXX which is American Express Reward team. On XXXX/XXXX/16 I called Reward center around XXXX AM and the person I talked with put me on hold and looked over my information and came back told me he did know see anything in my case they should not take away my bonus reward and he also said this in unusual case and opened the case for me.and told me that someone from American Express will call me in 2-3 days. I was waiting but no phone call. On Wednesday XXXX I called back and asking what happen and why nobody contacts me. She told me it seems they have big issues with these cases so it would take a while and filed the complaint to headquarter for me and gave the case number and assured me someone will call. Today I still do not hear anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I received a settlement in XXXX based on harmful lending practices by Flagstar bank. The question I have is, this was a VA loan and the VA was never compensated for their part of the loan they backed, now I have a substantially reduced amount that the VA will lend me based on this. Is there a way to get the VA repaid? Also my credit report now states foreclosure redeemed, is there a way to have it removed all together? 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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I Struggled for so long with my student loans. It was and still is an absolute nightmare when it came to the repayment. Trying to contact them to have them explain things or figure out a plan was nearly impossible up until I missed a payment or was late with one. Then they would call me to harass not understanding I was out of work. I had to ask for help from my mom that would then put her Income tax return money to help pay and they of course messed that up by not allocating the money the way I requested and they even charged me 2 times a month. Needless to say that they had me so utterly confused and had no idea of how to resolve my concerns because I felt something was very odd in the ay they ran things.They urged me into an option of forbearance not mentioning that the interest would continue accumulating. 
I even recently had come into money from my brother that was for my XXXX but I decided to try and get this nightmare off my back by trying to settle out of this and made a payment of {$6000.00} towards the loan, yet they would not take my offer and said I had to pay off the full amount. Now that I made the payment I CANT GET THEM ON THE PHONE!!!! It always seems to disconnect! I am so worried that they are not allocating the money correctly and not working with me in bringing down interest! 
Pretty much all the charges I have heard on the news are very SPOT ON, I kept stating that I felt I was paying that Principle balance over a XXXX times over. Things seemed so very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union properly reported a student loan with XXXX as being paid in full, closed, in good standing, with XXXX balance, only to return the account to a balance status several days later. The loan with XXXX is indeed paid in full, closed, with XXXX balance, and should be reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.

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 01/15/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

Best, 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 11-03-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am a TD Bank costumer and I recently had my account sabotaged by Cyber hacking if you want to call it that. I experienced someone using my banking information and identity to attempt three transactions in efforts to get sums of money from my account. When I discovered this called XXXX XXXX the source that notified me via email for verification. Spoke to XXXX operator # XXXX, who informed me of the attempt and what I needed to do .My TD bank on the other hand, approved the transaction for XXXX their third attempt but declined payment for the first two. However I do business on the Applications for XXXX XXXX and also for TD Bank. Who is responsible for my breach of personal information. I authenticate myself with my fingerprint, felt I was safe. I called TD bank immediately. I spoke to XXXX at around XXXX  XX/XX/XXXX17, inquired about transactions. To my surprise my card was still open. TD bank did n't feel there was a threat and I was at risk this whole time after the incident until I called in to the bank and advised I did n't make those transactions. I requested to speak to a Supervisor and was put on hold for extended long periods of time. Calling again and again for the remainder of that day Monday into Tuesday. I called again the next morning requested to speak to some in the fraud department. Spoke to a woman who told me the best thing I could do is get a new card. Question " what about the information someone has out there of me, whose helping to stop these crimes against us. I was then told to get a Lawyer. I then went to the bank to get a new card hoping to get some answers I was then told the computer system did n't pick it up as Fraud because I use XXXX XXXX But no one verified my memo on my account, and my card was still open. It seems I could n't be too careful making calls to notify my Bank the amounts sending monthly XXXX  to mother to pay Health insurance. I feel not taken seriously as a honest consumer and tax payer. TD Bank did not protect me I was unable to talk to a live person on Sunday XX/XX/XXXX/17 after XXXX. I want other people to know th applications are not safe. these phishing people go through them even XXXX XXXX accounts. I have done research on my own and I cant believe no one shared the heightened XXXX XXXX XXXX of XXXX 2017 over 676,000 reports in New Jersey alone. And I 'm treated like noting happened because I 'm not out of the money. The police even told me we do n't usually do anything. But XXXX XXXX gave me a number for the police to call to get further information from their fraud division and the officer refused to take, dais " we do n't do that they usually call us '' I need help and to know what to do moving forward.
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. 
When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have never had an account with US Bank, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account US BANK XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX I XXXX {$13000.00} {$410.00} {$18000.00} XXXX PAYS 61-90 DAYS {$5100.00}

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 08-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Trouble during payment process

Complaint: I received a letter to recast my mortgage from {$890.00} to {$820.00} and take effect on X/X/17. I signed the form and sent this form, along with a name change form and a form granting access to my account for my husband and sent it certified mail ( USPS tracking number XXXX XXXX, as my recast expired on X/XX/17. The package was received at Chase on Friday, XX/XX/XXXX at XXXX. I received paperwork, stating that they changed my name and had given access to my mortgage account to my husband. I just went to pay my mortgage and it 's still {$890.00} and Chase is saying they never received my recast paperwork and it expired on X/XX/17 and there 's nothing they can do. This is fraudulent, because that paperwork was in with the rest of the paperwork they miraculously received. I want Chase to honor this recast and to prevent further consumers from going through this frustration. The name change and access documents were not time sensitive so there would be NO REASON to send these certified mail, other than the fact that my recast paperwork was also in this envelope!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  is reporting incorrect information showing the wrong date when the payment should be paid. The payment is due the  XXXX  of each month. You have 10 days before a late charge. Sending late payment before 30 days has past. Sending to the credit bureau showing payment not received. The {$110.00} was paid to cover the  XXXX / XXXX / 17  payment because I mailed the payment and was lost in  the mail. So, I paid the {$110.00} to take care of the one got lost in the mail and not paid one payment. The manager said that he would take care of it but did not. Credit Bureau shows that payment was late 30 days on two occasions in which it was not. I have not missed a payment because the manager tol d me to pay the {$110.00}. If you do n't pay the date that the payment is due, they put you down for 30 days as for  XXXX /2017 and  XXXX /2017 not date due which is the  XXXX  of each month. Payment is shown as the month and the year not the date due. The payment is not showing that the payment was due the  XXXX  of each month and paid  XXXX  payment on  XXXX / XXXX / 17 . The payment was due on  XXXX / XXXX / 17  and 10 days before a payment is due but reported. Equifax is showing Historical Account information that is incorrect. This company is trying to hurt my credit by not reporting it 30 days past due but when you do n't  pay on the due date but sending to the Credit Bureau. I am paying more than what is due at times. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Private Mortgage Insurance Cancellation and Termination my loan is 80 % decreased from original value and property appraised more value but chase declined to remove PMI

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking two existing citi bank cards that have a XXXX balance, citi bank interrupted this session with a advertisement to apply for a citi XXXX card. This stated that they will not pull any credit reports this event happened on XX/XX/17. The morning of XX/XX/17 my credit monitoring XXXX sent me a email stating that Citi bank struck my credit file. Email dated XX/XX/17

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