milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have written and spoken with Equifax, XXXX, and Equifax several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, Equifax removed the bankrupcy but put it back on and XXXX and XXXX did n't budge has refused to budge and continues to report this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have achieved 80 % LTV on my primary residence base don the valuation at the time I purchased/financed it in 2010. My mortgage servicer, Wells Fargo, notified me as required by law, that I have options for dropping my PMI insurance. It is my desire to have my property re-appraised to demonstrate it has appreciated in value so I can immediately drop PMI. 

Unfortunately, despite having followed the directions provided in the letter to contact and schedule the appraisal with the " Wells Fargo PMI department. '' Despite numerous attempts, I have not been able to reach the PMI I have called Wells several times and each time they either claim that the PMI department is unavailable. On my last call about 2 weeks ago, they finally said they would notify the PMI department of my intentions and someone would call me back. 

I have not heard back from them. At this point I assume they are incompetent, indifferent or crooks trying to minimize their risk at my expense.

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 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/2017 XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017 I filed a complaint against XXXX XXXX XXXX XXXX they were able to verify the alleged debt but did not validate the alleged debt against this consumer according to the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to file a complaint about Experian. I am so upset, and am hoping you can help me. Experian still will not let me dispute my credit report information online, even though they encouraged me to go to : XXXX. I also was unable to get help over the phone. There are so many incorrect items on my Experian report, I hardly know where to begin. 

The incorrect items include : an incorrect spelling of my name, a p.o. box in XXXX. that I never opened, several credit card accounts that I never applied for, XXXX incorrect phone numbers, and a statement that my current apartment address in XXXX is a business related to automobile service! 

As stated previously, I am the victim of major identity theft. I filed fraud alerts and security freezes with all of the credit reporting bureaus on XX/XX/2015 and XX/XX/2015. Yet, my latest Experian credit report, received today and dated XX/XX/2015, lists a " XX/XX/2015 '' application for a company called " XXXX, XXXX '', in XXXX, XXXX. I never applied for such a loan. I thought that a security freeze and fraud alert would prevent someone else from using my identity or accessing my Experian report. 

I called " XXXX, XXXX '' today, at both XXXX. PDT and XXXX. PDT -- although sympathetic to my situation, the company told me I had to dispute the fraudulent item directly with Experian. 

I realize I can dispute items in my report by mail to Experian in XXXX, XXXX. However, it would be much faster to file the dispute online. 

At this time, I am taking care of my mom, who has XXXX XXXX. I really can not take too much more XXXX. 

Any further assistance from the CFPB would be greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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 to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, 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 03/30/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I wanted to see I can can get a credit increase on my credit card from chase bank so I asked and at first I really did not understand the girl but I started to listen really hard and I started to pick up what she was talking about. we went through the process and then I was declined and then she told me that after 180 days you can ask for a increase than I told her then why didnt you tell me before because I would of said no I have only had my card for 4 months and at XXXX after 3 months you can ask for a credit increase, but they didnt tell me until me until after the fact and they keep saying that I gave the approval for the go a head to run the credit, these people lie just to run your credit score and are very unprofessional, while talking to XXXX I had asked him to let me speak and he did and when I asked him a question he would not answer back or respond he would just stay silent then he would say why I am letting you talk, he was acting like a child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Credit card () with U.S. BANCORP (GA).
Issue: APR or interest rate

Complaint: My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: in XX/XX/XXXX I ordered my credit reports from the XXXX bureaus. from these reports I learned that there was an account in collections against me from HSBC bank. I contacted HSBC bank on the number listed on my credit report and was informed that this was a credit card debt. they explained to me that the credit card was opened in or around XX/XX/XXXX. at that time I explained to HSBC that I never had an account with them nor did I ever open a credit card from HSBC bank. They informed me that they would send my information and I would be contacted by their fraud department. after a period of time this did not happen I contacted HSBC again and was once again told that the fraud department would contact me. on XX/XX/XXXX I looked up the fraud department number and call them directly. I explained to a representative name XXXX my situation how I have never opened an HSBC Bank credit card and this was the result of identity theft. I explained to him that I had placed a fraud alert on all XXXX of my credit bureau reports.I explained to XXXX that I wanted this negative information removed from my credit report immediately that it was in fact a fraudulent account. XXXX explain to me that he could do nothing about it unless I filed a police report or contacted the Consumer Financial Protection Bureau. I contacted my local sheriff 's office about filing a police report however the local sheriff 's office said because of the age of the account it would not be worth investigating as most likely they could do nothing about it so a police report was not deemed necessary by them. I was informed by the sheriff 's office that it was not my right to have a report taken by them and that it was up to them to deem it necessary. I am now writing the Consumer Financial Protection Bureau to remove this fraudulent account from my credit report that was placed there by HSBC bank

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: this story is truly un fathomable and most of the answers i have gotten from this part of the bank fall short of accountability i hate bureacracy. but its everywhere. i went to use my business atm card issued in XXXX and it did not work this am i am now bing told it was deactivated yesterday. no one told me i have no idea why. emails all day stupid as anything not one tells me who did it why or offers to tell me which card i can use since i do have another or when i will get another. but they email all day long wasting my time. between not being able to get to my money with no warning, time on the phone on hold this is truly unbelievab ; le/ i want to know who and why my business atm card was turned off and i need it turned on again. or i need to know if other card i have ending i think in XXXX usable or i need a new one. its bad enough last month XXXX closed my account without my permission i can not take the fall anymore for all these mishaps youb have a lot of money there to pay people not to help customers efficiently. i want to know which card i can use to access business account asap and why it was closed. without warning. period not emails all day long saying les than nothing. no reasaon exists to have closed my card what about telling me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian fail to delete negative information on my credit report history even though the results saids that personal wrong information has been deleted.

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 07/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My mortgage account with XXXX has been brought up to " Current '', " PAID IN FULL and closed. XXXX letters confirming payment in full have been issued by XXXX, which have been sent to Equifax by registered mail and internet. Telephone requests to correct the credit files to indicate that the account has been PAID IN FULL have been made to Equifax XXXX. 
Equifax continues to report as follows : Status : Over 120 days past due. Consumer disputes account information. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act ), my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Equifax could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people at Equifax I have contacted recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Equifax continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: they removed this from my credit report XXXX {$2700.00} Which is in good standings and want back on all XXXX reports.

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 04/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Transaction issue

Complaint: I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: Citibank promotes an XXXX business card that promises to reward you a {$99.00} companion ticket when you spend {$30000.00} in one year. We met the spend requirement over XXXX weeks ago. It has now been XXXX weeks since we paid the annual fee for the second year with the card. We have made multiple requests for the reward for the {$30000.00} spending for last year and never received any reward. Every time we called they said it should be there in another XXXX weeks.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying to get my IBR renewed since XXXX Navient repeatedly denied having the applications ( I was asked to resend them 3 times ) Over 6 phone calls were made to Navient and each time I was given a different direction to resubmit a lost application or go into forebearance which I was forced to do.Today I was told I checked the wrong box on page XXXXof the application and I need to send the page XXXX in again and was put in forebearance until the matter was settled.This is almost 6 months of false information.I was also told that they would not take into consideration for recalculation ( if I ever get it ) that I also have a private loan.They have always taken that into consideration in the past.I need help.It 's like dealing with a maze of untruths please help me.

Company response to consumer: Closed with explanation