milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home mortgage with Chase. I had an overage in my mortgage escrow account ( due to my property taxes being reduced ) in the amount of {$5100.00}. I requested a refund of this amount and was told it would arrive in 5-10 business days. The check never came. I called Chase to find out why, and was told the check was never sent because they had to call the county to verify. I told them this money was based on an overage for XX/XX/XXXX and had nothing to do with next year. They claim the county told them my taxes would increase from {$1400.00} to {$3700.00} in XX/XX/XXXX. This is not true, so I told Chase to figure my escrow based on property tax in the amount of {$1500.00} and to send me my money. 
I received a check for {$4500.00} and a new payment based on a projected tax payment of {$3700.00} not {$1500.00}. 
I believe their actions are a blatant attempt to hold on to my escrow overage and to get me to over pay my escrow for XX/XX/XXXX so they will have to use of my money for free.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.

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 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion lists a {$300.00} claim under collection by XXXX XXXX XXXX ( XXXX ). 
This is listed incorrectly as I paid it in full and XXXX is aware of this. Obviously, my credit score is lower with Transunion than it should be and I need this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted to Equifax on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX Hospital they received it and put a fraud alert in my report. In XX/XX/XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report.
I received a letter this data was verified and I sent a letter saying tell me how you verified it when I know for a fact I have never been to this hospital and do n't even know where it 's located.
I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX ( duplicate pull ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XX/XX/2016 I went into the XXXX XXXX store and asked about options for my prepaid cell phone data packages. 
I was not notified that the attendant did a hard inquiry on my credit report, this hard inquiry reflects negatively upon my credit score, and I want it to be erased. 
I filed a complaint with Equifax on XX/XX/2016 and am awaiting correspondence. 
I have the name of the attendant who I spoke with and the address of the XXXX XXXX store I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Mortgage (Conventional home mortgage) with FIRST MORTGAGE COMPANY (NM).
Issue: Closing on a mortgage

Complaint: I am the seller of a {$470000.00} home. I was scheduled to close on this sale the morning of XX/XX/XXXX at XXXX XXXX. At XXXX XXXX on XX/XX/XXXX, I was informed that the buyer 's mortgage company, First Mortgage Company, was merging with XXXX XXXX, a lawsuit blocking the merger had been filed and First Mortgage Company 's funds had been frozen as a result of this lawsuit. Consequently, the closing of the sale of my home was delayed indefinitely.
I sent a letter to XXXX XXXX, the CEO of First Mortgage Company, explaining and documenting that each day my closing was delayed cost me {$160.00} in mortgage interest, property taxes, utilities and insurance. XXXX XXXX was not accepting either emails or telephone calls. I sent the letter of complaint to XXXX XXXX, the Manager of Loan Administration, who said she would forward it to XXXX XXXX I have not received any reply.
I explained in my letter to XXXX XXXX that First Mortgage Company 's merger plans notwithstanding, I should not have to bear the financial burden of their malfeasance. I had a fixed closing date, I made commitments to my creditors based on that assurance, and to have it summarily cancelled with one day 's notice and no compensation is unacceptable.
We have since closed on the property onXX/XX/XXXX, 9 days late, and I am out {$1500.00} as a result of First Mortgage 's mishandled merger.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

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 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 04-09-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Credit decision / Underwriting

Complaint: I had a mortgage through Chase bank. My home was foreclosed. Now, Chase bank continually harasses me with " mortgage assistance '' help! I have called a nd mailed them several times to stop - they continue. I receive mailings several times a week. This is ridiculous. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We applied for a mortgage loan  with Wells Fargo  in  XXXX , NC we have been in escrow for appro ximately 60 days from today. We asked for our documents to be sent to a new lender with a better rate. Wells Fargo stated they could not do so b/c a law went into effect as of 2008 when they changed the law indicating no lender to lender doc 's could be transferred. I checked with the new lender who states the doc 's could be sent. So now as of today wfargo has finally offered to lock in a rate of 4.785. This should have been done at the beginning of the loan process. I 'm still trying to obtain the documents for our own pu rposes. Also, after we were ready to move on with closing they now want an engineering report which was never disclosed to us.  <P/> Frustrated wfargo applicants,  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 06/29/2015 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have verified my information with this company several times and I am not the person they are looking for. They claim to make a note of it but continue to call over and over.

Company response to consumer: Closed
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that they did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/X/17. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have disputed inaccurate, unverifiable negative information on my credit report with transunion, XXXX, and XXXX. I have not recieved any information on any investigation on the disputes that i have made. If account information was updated the results would reflect on all XXXX bureau 's after a very short time. The same time frame should reflect on deleted accounts. The fair and accurate credit reporting act has been violated by the XXXX credit bureaus by not updating there investigation results upon conclusion of 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 explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother received a call from XXXX XXXX XXXX which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this one individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/XXXX and XX/XX/XXXX, I was charged by Paypal for monthly services with XXXX. Approximately 2 hours after the charge, the service was canceled with XXXX, and the money was was refunded in my Paypal account. 
However, regardless of the refund by XXXX, Paypal tried to charge my savings account 4 times, which resulted in {$70.00} fees charged by the bank. 
I also contacted Paypal`s costumer service, and I was explained that Paypal`s system will continue to attempt to charge my savings account until the money is taken out of my account regardless of the XXXX refunds, because the system is set up this way, and the charges can not be stopped manually. 
An email with this issue was send to open complaint case, with no reply whatsoever from Paypal. 

As a result, my savings account was removed from my Paypal account, I had to pay {$70.00} fees to XXXX XXXX XXXX. 

You can find bellow details of the transactions : Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Invoice ID XXXX Your purchase XXXX, XXXX {$34.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00} Paid with PayPal balance XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX XXXX ID XXXX Your purchase XXXX, XXXX {$34.00} Tax {$0.00} Purchase total {$34.00} Total {$34.00} Refunded to PayPal balance Transaction ID XXXX Seller info XXXX, XXXX. 
XXXX XXXX XXXXXXXXXXXX Refund details Refund total ( includes tax and shipping ) {$34.00} Fees {$0.00} Total {$34.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I calle d capital one on   XXXX  because of the hold they were placing on my credit card th e manager said that he would apply a credit for {$50.00} on my acct due to the inconvenience yet applied only {$15.00}. talked customer service tonight and they told me oh well his note is what we have to go by. I  have the call recorded and it clearly states {$50.00} yet they will now honor that

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: on XXXX/XXXX/XXXX, I deposited a {$3000.00} check into my checking account. This check is a cashiers check from a bank and when I deposited, I asked if this would be available in the normal 2 days ( from past experience ) with reassurance from the teller. Late Monday XXXX I received an e-mail from Hunting stating they were putting a hold on the deposit. I called customer support that day and they said it was because they were " unable to verify funds '' ; which is a reasonable answer. The next day, the XXXX I called back in to question the hold once again. The difference is that I had PROOF that this money was distributed. I called and explained that I have proof and why are they still holding it. I could n't get an answer so I talked to a supervisor XXXX who called the department who handles the release. I offered to e-mail or fax the proof so this issue would be resolved. After she talked to XXXX in that department, the response was " We do n't even want to see the your proof, we 're not releasing '' I even asked her " It 's not that they could n't, they would n't '' and the answer was yes. They were keeping the hold for a full 10 days regardless. 

Since this happened, I have had some bills get returned because of them holding the account. To make matters worse, Huntington in no way notified me that they were returning items ; they just disappeared. I have been calling the payees everyday to make sure things processed through. I am opted into overdraft and I even asked customer service to just let the payments process and I would work out paying overdraft fees. In fairness, I would n't have to if they did n't extend the hold. 

The issue here is the bank unnecessarily holding my assets for no reason. Their argument of risk is invalid since I have proof the funds were distributed on the XXXX ( the next business day ). I tried to be patient and flexible and feel that they are holding funds for no reason at all ; especially if it 's a bank check. Now, I am forced to deal with the returned item fees with addition of fees from the bill collectors. Huntington is knowingly withholding assets. The inconvenience, extra fees, stress, etc. is all a result of their unwillingness to cooperate. While I understand reasoning 's for holding checks, I was offering a solution and they were not interested. This indicates that they are in a habit of holding assets hostage without proper cause.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.

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