milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 am a victim of the recent hack to XXXX files. In an effort to secure my identity and credit, I have been placing a credit freeze on my accounts. I have been successful with placing freezes with XXXXx and XXXX. I did it online, and it was done within minutes. 

However, Transunion has been giving me problems. They are unable to handle my request online - the others did and did it promptly. When I call the number provided by Transunion - XXXX, I have waited on the phone for no less than XXXX hours a day, waiting in cue for a customer representative of TransUnion to pick up the phone so that I can put a freeze on my account. This has been since the announcement came on Friday night XXXX. 

I am a victim and Transunion is further victimizing me. They are inefficient with services. There is no reason for them to not operate efficiently like the other XXXX reporting agencies. They are leaving my credit vulnerable by letting me wait hours on hold to now not even get into a cue. I get a busy signal! I ca n't freeze it online with the same information that I supplied to the other XXXX companies. What is the problem? I want a freeze placed on my credit today and I want an apology for their ineptness and their role in further victimizing me and leaving me vulnerable to attack.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the 143 million affected by the Equifax data breach that was confirmed on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )

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 01-10-2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Is account was for my spouse and we are now divorced. I already has XXXX, look into the account and removed it from my name. I do not have possesion of this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 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: Their investigation did not fix an error on your report

Complaint: This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding XXXX billing dispute and false statements report to credit bureaus and to CFPB. XXXX stated to CFPB THAT my XXXX account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to Experian stating that the XXXX account could not have been sold to XXXX in XX/XX/XXXX cause on my Experian report XXXX XX/XX/XXXX the XXXX account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent XXXX XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to Experian that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's XXXX XXXX XXXX but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX  XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to XXXX where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with XXXX XXXX also. They have sent different letters with different facts that are completely false and they know it

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 09/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.

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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the 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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX .    XXXX  account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will.    XXXX . I paid the bill  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 05/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Other

Complaint: I opened a credit card account with Capital One in XXXX of XXXX. XXXX XXXX is reporting that I opened it in XXXX. This account should be taken off my credit report as it has been over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I have had a checking account with Regions for over 20 years which provided free checks if I maintained the required balance. I call Regions today on XXXX/XXXX/17 and spoke to a manger who advised me they had changed their policy and free checks were no longer available. I reminded him that when I applied for the checking account they stated free checks were part of the package.

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 09/24/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citi approved a fraudulent credit card in my name. A Citi representative revealed to me that Citi " pushes through ' applications despite the fact incorrect information was used to illegally obtain a credit card in my name A Citi representative was combative & hung up on me, the victim of Citi illegally issuing a card to someone using some of my personal information

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 10/21/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Reported a dispute in regards to creditor XXXXLast year XX/XX/XXXX received updated corrected report showing zero balance. Recently received notification of charge off and pastdue balance. I disputed the account via mail with all supporting documentation. Including XXXX records title to vehicle, new owner information. On XX/XX/XXXX I called to inquire to why the investigation has been more that 30 days. 
I spoke with a rep named XXXX and he says that he would update the status to complete but failed to provide information on proof of outcome. 
I asked him to check the dispute history and he did verify the creditor XXXX XXXX updated the account to reflect vehicle being paid off last year. Now recently the account shows a charge off with past due balance of XXXX. which is not correct. 
I asked to speak to a supervisor with Equifax but rep XXXX stated his superior who 's name is XXXX said they ca n't update the account regardless of any documents I sent. But they ca n't furnish any documents to how they verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Medical) with FMS Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My medical bill was removed and forgiven by the Hospital " XXXX '' and they removed it off all my credit bureau 's, since I had to sue them since the Doctor XXXX XXXX hurt me by XXXX, causing me to have XXXX XXXX 's. The Hospital removed the medical collection off my credit bureau 's. Now this collection company FMS INC has been told the bill was removed by the creditor, but they put it back on my credit report even thought they have been put on notice, the Hospital took if off, and forgave the Bill. Ive called FMS INC to remove it and they said that they would but after 10 days have not removed it and it is hurting me. 
thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to credit union in XX/XX/XXXX for a loan and was notified I had a serious delinquency of {$2700.00} from XXXX in XXXX, XXXX. Since I have never lived in XXXX, I disputed the account with Experian and contacted XXXX and was informed I needed to send an FTC report ( XXXX ). I went to the local police and prepared the proper forms. I provided a letter from my employer at the time, that I was working in XXXX, XXXX at the time this account was opened. The police confirmed the location I was living at the time in XXXX. I sent the report to XXXX XXXX, and they acknowledged this was not my account in XX/XX/XXXX. I went to get another loan from the same credit union in XX/XX/XXXX and the same delinquency was still on my account. I had to show them the letter from XX/XX/XXXX provided by XXXX XXXX, that this is not my account. I later applied for a mortgage in from XXXX XXXX in XX/XX/XXXX and it showed I had a serious delinquency ( XXXX XXXX ) and Experian is scheduled to remove this in XX/XX/XXXX. I am not understanding why this is still on my account and affecting my loans, credit score and interest rates because of this delinquency.

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 11/14/2016 about Mortgage (Other mortgage) with Dyck-O'Neal, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I purchased my current private residence and originally had XXXX mortgages ( first + second XXXX ) with " XXXX XXXX '' XX/XX/XXXX. 1st was for {$480000.00}, 2nd for {$120000.00} Within 1 year the 2nd mortgage was transferred to another lender and then both mortgages ended up with XXXX XXXX XXXX around XX/XX/XXXX. We had XXXX loans with XXXX at that point, a 1st and a 2nd. I still have the papers and XXXX loan numbers. 

XX/XX/XXXX my husband and I filed for chXXXX with the help of XXXX XXXX XXXX, discharged XX/XX/XXXX. We had stopped paying the 2nd XXXX mortgage around XX/XX/XXXX. We learned from XXXX that they charged off the 2nd mortgage. After the XXXX discharge we never heard about the 2nd mortgage again, no correspondence whatsoever. 

On XX/XX/XXXX we received a letter from a company called " Dyck O'Neal '' claiming possession of a lien against our property. 

On XX/XX/XXXX XXXX XXXX XXXX sent a " Qualified Written Request '' to Dyck O'Neal on our behalf. Until today there is no response. 

On XX/XX/XXXX my husband went to the XXXX recorder 's office to search our property 's records. He found out the following : 1. A record recorded with XXXX recorder on XX/XX/XXXX showing that in XX/XX/XXXX a transfer of 2nd mortgage from lender " XXXX XXXX '' to a company called " XXXX XXXX XXXX '' in Texas took place. These documents were recorded with the LA recorder 's office 2 months after XXXX XXXX XXXX had sent them the " Qualified Written Request '' Dyck O'Neal never responded to. 
Besides, to our knowledge XXXX XXXX could not have transferred this 2nd mortgage as the original 2nd had been moved to XXXX other lenders and it ended up with XXXX before our chXXXX filings in XX/XX/XXXX. 

2. Another record dated and recorded with XXXX recorder on XXXX/XXXX/XXXX showing a transfer of this same 2nd mortgage from " XXXX XXXX XXXX '' to " Dyck O'Neal, Inc. '' dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from Dyck O'Neal similar to the letter they had sent in XX/XX/XXXX, claiming possession of a lien against our property. Again no response to the Qualified Written Request my attorney had sent in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I saw a charge of {$29.00} on my checking account from Experian Credit Check Total. Experian offered to allow me to view my credit score for XXXX Dollar. I used my bank debit card for a one time only view of my credit score. It did not state, where it could be clearly seen that my debit card would be charged {$29.00} nor did they give a good phone number where the Credit Check Total could be cancelled. Instead I was charged for {$29.00}. I called Experian talked to a supervisor, XXXX to request a refund I was given an email address, that did not work.

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 10-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo continues to authorize debit charges on my account when there are not sufficient funds then charges me overdraft fees. I did not request for any overdraft protection. I bank with several other institutions and they do not authorize charges when the funds are not available. I called and spoke with Wells Fargo practice and they claimed this is what they do. They " assume '' the funds will be added to the account and therefore allow the charges to be authorized. This does n't make any sense whatsoever. In fact, they are not even consistent with this practice as some of the charges were not authorized at all ( attached bill - usually paid from my WF account but was n't authorized ). I feel these practices are unfair and WF attempt of making a profit by authorizing debit charges especially on transactions that are less than the {$35.00} overdraft fee I 'm being charged. These practices need to stop.

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 04-06-2015 about Debt collection (Medical) with ONLINE Information Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on consumer credit report.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO WELLS FARGO. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID XXXX DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, WELLS FARGO LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. WELLS FARGO 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND WELLS FARGO IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH WELLS FARGO TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, WELLS FARGO WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. WELLS FARGO WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE XXXX, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE WELLS FARGO HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT WELLS FARGO RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH WELLS FARGO.

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