milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are so many things wrong with my credit report and I am so tired of trying to get Equifax to correct this. They are purposely reporting information that they know is not correct. They know that I was part of the security breach they had both times and no matter how much I request verification, they send a generic response " verified ''. They have multiple incorrect addresses, several accounts that do not belong to me, bankruptcies that they have not verified and are not mine, inquiries that are unauthorized! Like can they report correct information!!!???? 

Incorrect addresses : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Incorrect accounts that are not mine : XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX *collections* XXXX XXXX $ XXXX Opened XX/XX/XXXX *collections* XXXX XXXX {$430.00} Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: hi there, My names XXXX XXXX on XXXX XXXX, 2017, when I was trying to pay for my goods at XXXX XXXX department store, the cashier pitched with a credit card offer I accepted the offer, she took my information, two weeks later I received the XXXX 's credit card, I tried to make an online payment to my new credit card when I was abroad but the website wo n't allow me to create an online account, later when I came back from my vacation, called the credit card to help me create an online account so I could make a payment, I found out that XXXX 's got the wrong SSN in their files thats way I could n't create an online account and, they charged me late fees and interest fees, I told them thats not my problem if they have the wrong information in their system, they apologized and agree to give me my money back ( late fees, interest fee, XXXX $ ), but the could n't do anyting about my credit report because they already reported that I did n't pay them on time, I had XXXX credit score before I get their credit card, they lowered my credit card limit from XXXX $ to XXXX , my credit score drop down to XXXX, I never missed a payment till I got their credit card. 
my goal now is to remove those negative remark from my credit report because it not my fault if they have the wrong information in their system that prohibited me from creating an online account and pay my credit card thanks

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 11/18/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (UT).
Issue: Closing on a mortgage

Complaint: We are trying to close on a mortgage, but Chase JPMorgan Bank ( Hereinafter Chase ) has a  judgment against us, that is inhibiting us from closing. We were not aware of the judgement until the title insurance was complete. We found out about the Judgement on XXXX XXXX, XXXX. We had a deadline of XXXX XXXX for closing on our loan, but have been unable to get any help from Chase or their attorneys regarding payoff and lien release. We have been asking for a payoff and lien release since XXXX XXXX, XXXX and have been getting the run around for almost a month. On the XXXX of XXXX XXXX we stated our request with XXXX XXXX ( Hereinafter XXXX XXXX the attorney who was representing Chase and who recorded the Judgment. His phone number is XXXX. We have supporting documents that we will attach to this complaint showing that XXXX was the attorney representing Chase. After talking with XXXX we were informed that he no longer represented Chase and that the firm he was working at when he was representing Chase is no longer in business. XXXX gave us a number of another Utah firm that he had forwarded the case files to, we contacted them by Phone and by email. This firm, that now has the case files and is now representing Chase is XXXX XXXX. I spoke with XXXX XXXX XXXX ( XXXX ) and he passed us on to a XXXX XXXX a XXXX attorney in the firm. His number is XXXX After a week or so of us emailing and calling him everyday, we were told by XXXX in an email that Chase had told him to not help us and that we needed to contact them directly. We spent the next week on the phone for numerous hours on hold, and was passed to this department to the next department, Just more run around. Here is a list of all the emails that I was ask to correspond with XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX, XXXXXXXXXXXX We even had a XXXX way with Chase that involved our mortgage broker XXXX XXXX her number is XXXX you will see she is attached to the inquiries about getting a lien release and payoff amount as well. We are at risk of loosing the Home now because Chase is un-willing to help us, we are trying to pay them money and they could care less.. We really need someone to intervene before the seller pulls the plug on our purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit inquiries on my report that I dis not consent to that I need to be removed from my credit report ... my Wallet was stolen and someone has been applying for things in my name so they do have my information but it was not me please delete these Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: This is in regards to my mortgage ( Loan # XXXX ) with Wells Fargo. 

I recently had to pay {$360.00} to Wells Fargo for them to perform an appraisal of my property ( XXXX, CO ) for PMI purposes. A full appraisal was performed on XXXX/XXXX/15 and I received a copy of the final appraisal report on XXXX/XXXX/15. On XXXX/XXXX/15 Wells Fargo called me to confirm I received the appraisal report, then at that time we discussed potentially refinancing my loan given recent rate activity. The mortgage consultant I dealt with ( XXXX ) mentioned that an appraisal would be necessary for the refinance and then confirmed via email that I COULD NOT use the XXXX I just bought through them for {$360.00}. 

This appraisal is less than 30 days old, it was purchased through them, and I just paid {$360.00} for it - yet now they are telling me it is not valid and I need to turn around and re-purchase the exact same thing from them again in order to refinance my loan. This is predatory behavior and Wells Fargo is trying to take advantage of its customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (MO).
Issue: Trouble during payment process

Complaint: M & T Bank 's role as a mortgage servicer was terminated effective XX/XX/2017, when I mailed CMRRR a Notice of Rescission rescinding the mortgage on that date the mortgage was not in default and no payments were due. 


After receipt of my Notice of Rescission on XX/XX/2017, M & T Bank has been operating as a debt collector by attempting to collect the rescinded mortgage as if it was in default when it is not in default and in making false representations of the character, amount, or legal status of the rescinded mortgage in violation of the FDCPA.

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 05/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (FL).
Issue: Struggling to pay your loan

Complaint: I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a XXXX from the retailer staples in XXXX New Hampshire to use on XXXX XXXX XXXX XXXX XXXX 2016, the device was returned 4 days later to the same retailer, also same clerk that completed original purchase, with this retailer and XXXX you get 10 days to try the service and device no obligation, XXXX XXXX unable to figure out how to release me from this debt that I do not owe them they claim its XXXX I 've called them 4 times since XXXX XXXX 2016 to try to fix this also contacted the retailer staples and talked to the store manager and clerk involved. They are all stating that the device was returned within the time limits. Now it 's XXXX XXXX and the account has been passed onto a collection agency named convergent, also XXXX wireless has tapped my credit report, stating collections as the reason. I fear for my good credit report that took a lot of work to maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (HI).
Issue: Trouble during payment process

Complaint: I took steps to try and remove PMI from my PNC Mortgage loan, since value of home is about right. Started the process by inquiring with PNC what the steps are. They stated if the home current value on a current appraisal is 80 % ( exact numbers given ) and there has been an upgrade on the home, then we cant take the PMI off. We paid out of pocket for the appraisal ( to appraisal company hand picked by PNC ) and the value came back a few thousand dollars short. So we PAID into the loan the difference, so we could meet the cost to value requirement. So that issue is resolved. The upgrade issues is complete replacement of the HVAC system. The old HVAC ( house bought two years ago ) was at the end of its life, and needed replacement as evidenced on a home inspection reports used as part of the home purchase. So within the last year we have completely replaced the entire HVAC for the entire home. This is part of the home and hence qualifies as a home upgrade. So now PNC Mortgage reports their " XXXX XXXX '' do not accept the HVAC replacement as an upgrade, also, they have changed the rules ( not noted on original PMI paperwork when home was bought ), now if thy make a new rule that if there is no upgrade of their liking they have decreased the loan to value to 75 % instead of 80 % before the PMI can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft 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 04/22/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per month.

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 07/19/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I Am Receiving Repeated Robo Calls For A Debt I Do Not Owe : '' Credence Resource Management Is Based Out Of Texas But It 's Their Idaho Branch That Is Harassing Me From Several Different Phone Numbers With A XXXX Area Code.Recently I Paid Off My XXXX XXXX XXXX Bill Completely Before Switching Carriers And Like Thousands Of Other People Having The Same Issue With This Particular Company C.R.M Is Just Making Up A Fake Debt And Calling Every Single Day, Letting It Ring Through And Never Leaving A Message And If I Answer There Is Never Anyone On The Other End Of The Phone.A Couple Of Times I Spke With A Live person And Asked Them To Stop Calling My Phone And The Calls Still Keep Coming.Either Way They Are Some How Using The Fact That I Was A Previous XXXX XXXX XXXX Customer As A Way To Justify A Fake Debt And Harass Me Every Single Day At All Hours.I Want The Calls To Stop Now Please.

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 02-05-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: Complaint submitted to the Consumer Financial Protection Board ( CFPB ) About Capital One By XXXX XXXX, a Capital One customer XXXX XXXX, 2017 With Capital One, I have a checking account, a savings account and XXXX credit cards. 

I transferred {$500.00} from an account I have at XXXX to my savings account at Capital One. 
Capital One has received my {$500.00}. It is in my " Accounts Summary '' as part of the " Current Balance. '' Screenshot submitted with this complaint. 

I tried to transfer {$300.00} from savings to checking - both accounts at Capital One - and was told there were insufficient funds. 2nd screenshot submitted with this complaint. 

I had a chat with XXXX at Capital One. She was very knowledgable and professional in explaining Capital One 's rule about this. PDF of chat submitted with this complaint. 

As I understand Capital One 's rule, when they receive funds from an external source, like XXXX, they do not release those funds to their Capital One customer right away. 

Instead, they wait several days to make sure that the external source, XXXX in this situation, will not demand return of the funds. 

Capital One refers to this acceptance of the funds and waiting - verification of the funds. 

Only after verification of the funds are the funds released to the customer. At that time, they show up in the " Available Balance. '' See a screenshot submitted with this complaint. 

Capital One does not pay me interest on my funds ( {$500.00} in this situation ) until the funds are notated under " Available Balance. '' It is my understanding of the effect of this rule of Capital One is that Capital One has my money XXXX {$500.00} XXXX. It will have my money until either the external source XXXX XXXX XXXX demands its return or Capital One releases it to me. This " verification '' can take XXXX5 days once Capital One has received the funds. 

This complaint is submitted on XXXX/XXXX/2017. I understand my money will not be released to me until XXXX. 

I must assume that the people at Capital One are smart business people. Until proven otherwise, I can only assume that they are using my money to make money. 

And, they are not paying me interest for the use of my money to make money for Capital One. 

I want Capital One to pay me interest from the time my money is received by Capital One until it is either returned to the external source ( XXXX ) or made available to me. 

I want the Federal Government to make it a rule or a law that banks are required to do this. 

The right side of this complaint is not showing up in the box to submit the complaint, so I am attaching it as a PDF. 

Please note that the actions by Capital One covered by this complaint are similar to - but not the same as - the taking of customers ' funds by Capital One in CFPB Case Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been removed.

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