milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: capital one and XXXX XXXX wa state received community discharge for my spouse ch XXXX bankruptcy XX/XX/XXXX -gave capital one case number and attorney info etching Emailed the bankruptcy dept of capital one including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from XXXX XXXX XXXX XXXX seeking collection of XXXX for one of my capital one accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling XXXX XXXX for collections on XXXX account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXX so I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a letter from Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect/missing disclosures or info

Complaint: On XXXX XXXX, 2016, I walked into the Wells Fargo Branch where I normally do my banking. I requested a banker to help me wire some funds to another country. Basically, I provided all the necessary information to the banker so she would process the wire. It was towards the end of the work day. She told me that it would take 5 to 7 days for my cousin to receive the funds. Seven days passed and my cousin had not received the funds. So, I asked my cousin to inquire at the bank in XXXX where the funds had been sent to. It turned out that the Banker at the Wells Fargo branch had made a mistake when she entered the information. One of the numbers in the account was wrong. Consequently, I went back to speak with the same banker about the mistake. She compared the information I provided to her and what she had entered, and sure enough she had made the mistake. She suggested that the next step should be to amend the wire, and she did. Again, she said 5 to seven days for my cousin to receive the wire. After seven days passed my brother had not received the funds, and so I went back to the branch again. This time the manager at the branch told me that she was in charge of the case. So, she filed a recall, and pretty much nothing has happened after not. Every time I contact Wells Fargo all they are able to tell me is that they have been writing letters to the bank in XXXX but they have not received a response from them yet. In my opinion, I feel like Wells Fargo is not doing enough to recall these funds. It is a large amount of money for me, {$60000.00} that I need to give my cousin. It is Wells Fargo 's responsibility to rescue the funds and put them back into my account as soon as possible but it does not seem like it is of importance to them.

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 11/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended XXXX XXXX XXXX XXXX XXXX, they shut down and I could n't get my degree. Was contacted by a group called XXXX XXXX about getting my student loans dismissed. Paid them close to {$900.00} for their services. I am getting bills from Navient regarding my student loans. Tried to make contact with XXXX XXXX, but seems like they are being sued and their phones are n't working.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a few school loans that are ( XXXX ) closed out on my XXXX Credit report that I would like to remove off of my report. The reason why is because I 've filed bankruptcy XXXX, 2015 and these loans have been closed and they 're still sitting on my report hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Non-federal student loan) with AES/PHEAA (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving numerous phone calls from PHEAA. I am already under wage garnishment so there is nothing further to gain from these calls. I received a call last night which I answer and immediately put on hold. I was at work and could n't stay on the length they deemed neccassary after calling me. They called again this morning. I called back and was met with a woman with a terrible attitude. Hung up called back a second time and spoke with another woman and asked for this to stop. Was just called again the person straight told me he had nothing to say to me and nothing to resolve. Spoke to the supervisor and asked for the calls to stop. Was told they were automatic and no way to promise the calls would stop. I was also told this was not harassment. I do n't understand how not? They call me several times a day and when I do speak to them it gets nothing resolved. They call late at night and early in the morning. It is making sleep and work difficult to have so many phone calls coming at any hour.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/XXXX I call Bank of America- Merrill Lynch for information on my balance owed on my VISA Signature ( Merrill+ ) credit card. The automated service quotes me a current balance on my account : {$1800.00}. So I intended to make a phone payment of {$1800.00}. When I chose the option to make a payment, the automated service quotes me the amount of {$1900.00}. This amount was not current but based off the statement datedXX/XX/XXXXXXXXXX/XX/XXXX. I received a credit from a merchant : XXXX for {$42.00} on XX/XX/XXXX, and another credit from them for {$7.00} on XX/XX/XXXX that was yet to be reflected in my statement for the following month. I was informed by Bank of America, I would receive a finance charge if I only paid the {$1800.00}, which would have brought my account to a {$0.00} balance. I had a {$0.00} balance on the previous statement. So, essentially, I would have to pay more than my current balance and have a credit of {$50.00} on my account to avoid a finance charge, even though that amount has already been credited on my account. If credits affect my current balance, then I should not be paying finance charges for bringing my balance to a {$0.00} balance. I was told by XXXX, a supervisor that Bank of America does not acknowledge credits to the account even if they are reflected in the current balance. Bank of America is misleading their customers by having their automated system state a customer 's current balance without a disclaimer stating that the full amount of the statement must be paid even if there has been a credit on the account. This racks up huge interest charges for Bank of America because the automated message regarding account balance potentially presents two different balances without explanation or instruction. What if I had bought a large item like a boat for {$5000.00} with my Visa, returned the boat due to faulty mechanism, the {$5000.00} credited to my Visa account within two days after the statement. Would I then need to pay {$5000.00} toward my now current balance of {$0.00} to avoid a 10.00 APR interest fee on my account? This is fraudulent and misleading. What right minded person would pay more than they owe when the balance is {$0.00}? Bank of America-Merrill Lynch is scooping up the millions in interest fees because they have mislead their customers to think they should make a payment based upon their current balance. Bank of America- Merrill Lynch is capitalizing on their automated services to keep customers from knowing what would keep them from paying unnecessary interest fees.

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 01/16/2018 about Money transfer, virtual currency, or money service (Money order) with WELLS FARGO & COMPANY (OH).
Issue: Fraud or scam

Complaint: I purchased a XXXX XXXX XXXX Order from XXXX in XXXX, Ohio in late XXXX XXXX 2017. It was for a vacation rental in XXXX SC. The amount was for {$570.00} and was sent to an individual. This woman then deposited it into her Wells Fargo account. On the morning that I was to drive to SC I received an email with a screen shot from Wells Fargo stating that the funds were withdrawn from her account because the money order was determined altered / fictitious. My reservation was cancelled and I did not go. 
XXXX claims no responsibility. The woman claims no responsibility ( it seems she did not get her money ). Wells Fargo will not talk to me as it is her account. However I paid XXXX XXXX to investigate this and they said the funds were paid to Wells Fargo. 
I hold Wells Fargo accountable and want my money returned either to me or to XXXX XXXX so they can refund me.

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 04/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: The lender as failed to respond to the Qualified Written request ( QWR ) submitted to them on  XXXX / XXXX /  XXXX   - The lender is required to provide a detailed loan history for us to review and assist the borrower. This is a violation of RESPA and we request the FC be placed on hold and for the requested info to be provided ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed all the credit inquires that are listed on my report and have gotten XXXX help with them being 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
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has me stated as having an account with XXXX that is supposed to be deleted from my credit file. The account was closed on XXXX XXXX, yet Transunion claims that the last date of payment was in XXXX ... which is incorrect and not even possible. Why would anyone pay on a closed account? I spoke with a representative at XXXX Bank and they say the information is correct and they TOLD Transunion and they still have not deleted it. If the account in question was closed in XXXX XXXX, then the date of first deliquency had to me months before, meaning past seven years. On XXXX ( which is owned by Transunion ) they even state themselves the account was closed in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, Equifax divulged to the general public that they had been the target of a successful hack. 143 million customer records, including SSNs and drivers license numbers. I have already confirmed that I am one of the consumers affected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone calls 4-5 times a day. 
From : XXXX to XXXX 2017 Amount for XXXX Discover Bank I have notified Discover Card on XXXX XXXX2017 to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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 have been dealing with XXXX since XXXX XXXX in regards to removing unverified information on my credit report. The last round of letters went out on XXXX/XXXX/XXXX asking then to remove inaccurate information in which XXXX came back and said the information was correct and verified. Well I took it upon myself to write to the Pennsylvania and Maryland Bankruptcy court on XXXX/XXXX/XXXX asking if XXXX and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XXXX/XXXX/XXXX I received a letter back from the PA Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I HAVE BEEN DISPUTING XXXX XXXX BUSINESS XXXX ACCT ENDING IN XXXX WITH XXXX XXXX FRAUD DEPT XXXX ID # XXXX PHONE # XXXX EX XXXX - ON XX/XX/XXXX HE INFORMED ME THAT A BALANCE TRANSFER FROM THIS FRAUD XXXX XXXX BUSINESS XXXX ON XX/XX/XXXX {$4100.00} WAS PAID TO AN AMERICAN EXPRESS ACCT ENDING IN XXXX IN MY NAME. I CONTACTED AMERICAN EXPRESS AND WAS INFORMED THAT AN ACCOUNT WAS NOT OPENED IN MY NAME AS THE CARDHOLDER - BUT AS AN ADDITONAL CARD. I REPORTED THIS AS FRAUD. I NEVER KNOWINGLY APPLIED OR ASKED TO BE ADDED AS AN ADDIONAL CARD HOLDER. THIS NEW INFORMATION IS NOW UNDER INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Item # 1 : I dispute XXXX - XXXX, this is not mines. Please delete this account. 
Item # 2 : I dispute XXXX - XXXX, this account has been paid and I have attached letter as proof. Please correct this account. 
Item # 3 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Application, originator, mortgage broker

Complaint: Being dragged around by Wells Fargo signing a subordination so we can refinance our main home mortgage. They claim they ca n't find deed of trust, say bank they bought mortgage from signed it back to itself and is now closed. They are denying signing subordination for this reason. This has been going on for months. Our current offers on a lower interest rate have expired waiting on Wells Fargo. We questioned them on Friday how is it our problem they do n't have their paperwork and today, Monday they called and denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: As a homeowner, financial hardship was experienced. The mortgage company was contacted for assistance ( loan modification ). The initial request for assistance was over two years ago. All documents requested by the lender were submitted, but there were frequent requests for additional information. As time went by, documents needed updating. And, on multiple occasions, the full package had to be resubmitted. To make matters worst, a XXXX Sale notice was posted in XXXX. A representative at the mortgage company said this was in error and would be put on hold since a review for assistance was in progress. Unfortunately, the mortgage company dropped the ball again as the XXXX Sale was not postponed. The homeowner was able to get an extension, but as per policy this should not have happened. The homeowners are elderly and on fixed income. The time, effort and stress has adversely affected their well being. For over two years assistance was received from a HUD approved non-profit housing counseling agency. Prior to that, assistance was received from a family friend in local banking. They are now preparing to meet with an attorney for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX XXXX XXXX who I thought I had mortgage with was sold to XXXX XXXX XXXX XXXX and the mortgaging service company Shellpoint took over the servicing of loan. I have been with them a year, and early on they over charged us, then did not pay taxes for XXXX and now again they are two months late with paying my taxes for XXXX. Clearly my credit will be affected if taxes are not paid. 
I asked if I could switch mortgage servicing companies and was told that I could n't or I had to refinance, which is not an option for me right now. Please advise Is this true?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation