milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX-ny Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Unions XXXX/XXXX Inquiry from XX/XX/XXXX - Specialty - Shoe, Hat, Etc. 
XXXX/XXXX Inquiry from XX/XX/XXXX + Home Furnishings XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Misc.

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 07-01-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My husband got a bill from capital one in his name for a credit card that he did n't have, granted the balance due was XXXX..but our concern was who got a card in his name?? ..He called the fraud dept the next day and was told they were sending out paperwork he would need to fill out.. ( never got that ) ..but 2 weeks later got a balance transfer linked to same account..he called back ( they apologized and said they were sending out the paperwork ) ... never got it! ... today got another balance transfer letter with a DIFFERENT account number from the XXXX XXXX!! .So I called and was put on the phone with a supervisor who cut me off quickly to say she would not speak to me because my name was n't on the account..Well what have you done for the person who did call you XXXX and " These are NOT his accounts either '' ... .So my reply was welp I guess when there is XXXX of dollars spent on these cards..it will be on you..cause I bet you will wan na talk to me then! ... We do have several Capital One Accounts..And will be in the process of switching my credit card company ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i contacted the three credit report agencys. XXXX, transuion, and XXXX concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with First Data Corporation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There is nothing on file showing I owe telecheck or XXXX XXXX for any debt. There are refusing to authorize a personsal check for a purchase by giving me an authorizing number. I havent had a problem with this previously especially since its in their system that my account with them is clear. I have not received anything by mail in regards to owing for any checks.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MicroBilt / PRBC (formerly CL Verify) (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: I am a customer of Wells Fargo 's. Several fraudulent charges were made on my checking account at locations across the country. They erased the charges ' existence, only gave me a fraction of my money back and will not even explain what is going on.

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 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Acct with XXXX XXXX XXXX still being reported negatively acct was paid in full and should show current paid.

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 05/15/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble during payment process

Complaint: I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer has been changed from XXXX to Nationstar Mortgage. I received my XX/XX/XXXX statement yesterday, XXXX XXXX, 2015. I called to make sure they got my payment, and they said they did. I asked when they would be mailing me my next statement and was told on XXXX XXXX. I told them I believe I 'm supposed to get the statement prior to XX/XX/XXXX and I asked to have legal council call me. I was put on hold and I eventually hung up. I do n't believe they know what the laws are and I want to receive my statement on time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 disputed via online about an account from   XXXX   XXXX   that I did not recognize  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . They ( Equifa x )  responded quickly saying that the account has been verified. I called and spoke with  two reps.  When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at Equifax. He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly with   XXXX   XXXX   and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that Equifax remove this collection because a proper investigation was not done and this debt is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: MDS has reported XXXX of my accounts to the Credit Bureaus even after I have made payments. I have been making weekly payments and have even paid XXXX of the XXXX accounts that I have with them. The rep told me that I have 30 days to pay this debt in full. She went to advise me that making payment arrangements does not prevent reporting. I think this is unfair especially when I am attempting to pay this debt.

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 09-08-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have made several attempts to resolve this civilly. However, the incompetence and illegal activities of the company does n't resolve the issues. Multiple " senior '' representatives : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have each sent me cut/paste responses. I have reached out to some of them via email and phone with NO assistance. I never made a payment and want the IP address of the payment made online on XX/XX/XXXX. I thoroughly went through the transactions which are NOT mine. Again items were sent to an unknown LA residence. Synchrony is very aware that items ordered were never received nor ordered by me. Remove this illegitimate very inaccurate account immediately before legal recourse for violations of reporting inaccurate, fraudulent charges.

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 06/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of Americas check hold policy/risk department literally put me and my fiance in harms way being out at sea without the insurance we tried to purchase before the trip. We sold our home in XXXX California and drove across country to pursue our dream of living on a boat and travelling. We had a credit union in California but needed to open an account that would hopefully allow us easier access to our funds. On XX/XX/XXXX I went into the XXXX, Florida branch to deposit the funds from my credit union in California. I spent over an hour with a branch manager to make sure that I understood their Hold Notice ( see attached ). They give you {$200.00} upfront and then Hold code A was supposed to be released allowing me access to {$4800.00} and then hold D was to be released on XX/XX/XXXX for the remaining balance of {$15000.00}. Neither of those dates were honored even though I have the Notice of Hold outlining the dates and amounts. ( see attachments ) I was not notified by phone, e-mail, or text that they were not honoring the hold notice. I was informed at the grocery store by the cashier that my card did not go through. Upon my effort to find out why, I was informed that they did not release the {$4800.00} and that the {$15000.00} was going to be held until XX/XX/XXXX. The risk department wanted to place the burden of proof on me that the check had actually cleared. Now, that I dont have internet access what they want me to produce is not possible. They blamed my credit union saying that would not verify the check had cleared. The credit union offered to do a three way call with them to validate that the check cleared. That was not possible because the risk department much like the XXXX XXXX XXXX never speaks to the customer. I was able to supply them with the front and back of the check but that did not suffice. Apparently it takes 24 hours to escalate within the risk department so now we have lost yet another day. I spent three full days trying to resolve this to no avail. All I received was lobotomy type responses from all of their terrified employees to go off script and try and help. We did run into trouble and did need to get towed to the tune of {$1300.00} ( see attached receipt ). BofAs draconian, arbitrary, greedy hold policies turned what was supposed to be a beautiful trip into a XXXX nightmare. This has to be a violation since I have the hold notice that was not honored and through no fault of my own. The cash was not actually in my account until XX/XX/XXXX @ XXXX XXXX in the morning.

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 06/21/2017 about Debt collection (Payday loan debt) with Big Picture Loans, LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I borrowed {$400.00} from Big Picture Loans in XX/XX/XXXX and I have paid {$200.00} in each of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for a total of {$600.00}. The lender refuses to discharge the loan and wants me to pay {$200.00} a month until XX/XX/XXXX. I can not afford to pay that amount and have told the lender but they insist that I pay. The interest rate is 735.9112 %.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX. 
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago. 


I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Asset Management, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CFPB original complaint # XXXX. Pinnacle failed to respond to complaint in timely manner and has altogether refused to respond to consumer. Pinnacle parked this alleged debt on consumer 's XXXX Report and failed to validate or respond to consumers multiple requests for information. Pinnacle fails to respond to CFPB inquiry. Pinnacle does not show proof of ownership of alleged debt yet their reporting has caused the consumer to be denied credit and is in violation of FCRA and FDCPA law. This item must be removed from XXXX report.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Trouble during payment process

Complaint: Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in  XXXX   XXXX . I did not receive a supplemental bill from  XXXX   XXXX  in  XXXX   XXXX , though their system shows that a bill wa  s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
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It defies all logic that I would wait 3 months to make the call to Suntrust a  bout the bill that was received in  XXXX   XXXX , knowing that the bill will attract penalty and interest.

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 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC failure to forestall the foreclosure sale while a modification application pending with servicer.

Company response to consumer: Closed with explanation