milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 11-06-2017 about Debt collection (Credit card debt) with U.S. BANCORP (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Without making an application this credit card came to my mailbox. When I tried to make a payment on my account no. XXXX XXXX XXXX XXXX, the representative that processed the transaction did not record all of the numbers to my account in order for the the payment to be made on time. This resulted in a late fee to be charged to my account. The minimum payment due was {$80.00} dollars. However because the payment was late, the total payment due is {$140.00}. This is {$80.00} plus a {$63.00} late fee I have become current with the account however a late fee is still charged to my account when I am not late. I was told by XXXX of the representatives that if I paid the late before the next billing cycle that starts on the 7th of each month, another late fee would not be incurred on my account. I have paid the late fee {$100.00}, and {$43.00} before the next billing cycle however on the company XXXX XXXX bank is charging me a minimum payment of XXXX or XXXX added to the minimum payment as if it is late. In trying to collect the late fee I was told by one of the representatives to expect to be called in the late hours of the evening. 

These transactions are verified to make sure the information is correct.

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 01-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (HI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: AES - American Education Services The federal loans I received in college were set up by the universities ( XXXX ) from XXXX. I am not sure how the paperwork was done or what I signed I was given no help by my parents at the time. After graduating and deferment was over, I was told I had to consolidate my loans to lock in a good interest rate in 2006. I was asked how much I could afford by AES, told it was my only option. I was locked into a predatory loan with astronomical rates and then they tried to steal away another 1 % percent that I fought and won over when they messed up the consolidation payment due times. 

Over the years I 've paid this loan of {$26000.00} - never late. I now see in my account it says I 've paid over {$40000.00} in principal and {$16000.00} in interest. These numbers do n't add up, in reality, I 've paid close to {$30000.00} out of pocket with {$15000.00} in principal still due and around {$10000.00} in interest due if I run out my full term. In total I will pay almost double over the life of the loan - hardly the great deal I was sold on in my XXXX. 

I would like to blow the whistle on these deceptive banking practices and would like you to look into what is going on here. 

I have asked to speak to someone at AES about a payment modification due to the predatory nature of the loans setup by both the school and them the lender, they said they have no modification department or anyone to talk to about this. They can not explain why the numbers do n't add up other than it is n't explained correctly on their website. 

Why this is predatory - As far as I knew I was borrowing from a State agency funded by the fed- I thought this was a non-profit school program with my best interests in mind - not a company profiting ( like shooting fish in a barrel ) from un-knowing borrowers. 

I 've tried refinancing outside of AES, and no company could help me refinance, as everyone I called, would only refinance private student loans ; and this is considered as federal loans through a private company. 

There are literally thousands of complaints online about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I just found your website. Wish I had learned about it earlier. This complaint is not timely nor do I want a response. I just think those in charge of banking law enforcement should be aware. 
It 's been a couple years now. I deposited a personal check from my mother in a Wells Fargo checking acct. at one of their ATMs. ( XXXX XXXX, Ca. ) The screen reported that the check was " questionable '' and funds from this deposit would not be available for 10-14 days. I now know that checks must be honored or returned in no more than 4 days max.. 
Here 's the kicker! A couple months latter, I deposited a tax return check from the State Of California. Again, I was informed that " our system finds this check questionable '' and funds would be delayed for 10-14 days. If this is widespread, I can see how it could be lucrative for Wells Fargo. Free Money! 
Shortly thereafter, I heard they were in trouble for other violations. But I never heard of them being charged for this. Just headsup!

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 09/17/2015 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Other service issues

Complaint: Coinbase account closed without reasonable explanation, being told I 'm involved in illegal activities with nothing to back up said claim. I have been operating a Coinbase account for about a year now with no issues in the past, until Coinbase emailed me a month ago with the following : " Thank you for your interest in Coinbase. Our primary goal is to make bitcoin safe and secure for our customers. Coinbase is a regulated XXXX Business under FinCEN XXXX FinCEN.gov XXXX, and as part of achieving this goal, we are legally obligated to implement regulatory compliance mechanisms. After careful manual review, it has been determined that your account has been involved in XXXX or more violations of our User Agreement. You can review the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement We regret to inform you that we are no longer able to support your Coinbase account. Unfortunately, this decision is not subject to appeal ; we are unable to reinstate accounts in violation of our User Agreement. '' After communicating with Coinbase about this issue, they state I 'm in violation of their user agreement, specifically " On XXXX/XXXX/15, your account sent XXXX XXXX to XXXX. We have reasonable cause to believe that this transaction violates the Coinbase User Agreement. Specifically, please see Item XXXX under Appendix XXXX ( " Prohibited Businesses and Prohibited Use '' ) of the Coinbase User Agreement here : https : //www.coinbase.com/legal/user_agreement # appendix-1 : -prohibited-businesses-and-prohibited-use If you believe this determination is in error, please provide corroborating documentation demonstrating the nature of the above-referenced transaction and we will be happy to take another look. '' I state it was an exchange between myself and a friend for XXXX, which I provide a screenshot for with timestamps that date to the exact time the XXXX was sent. In response, they sent " Thank you for your message and for the screenshot of the XXXX transaction. While the timestamp on the XXXX transaction is indeed similar to the transaction sent to XXXX, the information you provided remains inconsistent with the information we have on file for XXXX. We have reasonable cause to believe that the XXXX XXXX sent from your Coinbase account to XXXX on XXXX/XXXX/15 may be associated with counterfeit government identification documents. Specifically, please see XXXX Accordingly, we are unable to restore your account. '' Again, after denying that I 'm related to counterfeiting at all, they refuse to reinstate my account, even after backing up my claims that I 'm not in violation of their user agreement. I have n't had issues in the past and had no idea my friend was involved in counterfeiting. I want my account reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my name is XXXX XXXX my social security number is XXXX my date of birth XXXX/XXXX/XXXX. my complaint is that equifax credit address pobox XXXX XXXX ga XXXX, the office of consumer affairs at equifax keeps giving me a hard time. in disputing my negitive information thats fraud on my credit report also i stated to the office of consumer affairs that i would like the security freeze to be premently remove off my credit report, every time i call the XXXX XXXX number to speak to a equifax representive to do a dispute i give them my confirmation number XXXX then when they access my report they tell me that they have to transfer me to the office of consumer affairs every time i get connected to the office of consumer affairs executive title XXXX XXXX ofr XXXX XXXX or XXXX XXXX keep telling me that they need a ssa form from the social security administration verifiy my social securtiy number, i dont understand why there asking me to do this in order to removed the security freeze off my report or do a dispute. i ve delt with XXXX XXXX from the excutive office of consumer affair back in XXXX when i did a dispute i send in a verification lettter from the social security adminstration verify my social XXXX and a copy of my birth certificate. and they have it on file along with my drivers license copy and utility bill. over the years i call equifax to do disputes i never had a problem until know, the issue is they keep refusing to remove the security freeze from my file is also refusing to do my disputes, until they recieved the ssa form, i told them several times that the social security adminstation no longer gives the letters anymore they told me to just send in equifax a copy of my social security card. also equifax block my file from on line acces, which means that i cant do any on line dispute, example go to equifax .com click on line dispute put in my confirmation number XXXX then my personal infor then sumimit, it will tell you they cant process my dispute on live, and the reson for that is the office of consumer affairs put a dummy profile in the system so when i put in my information it wont match, they have a different data base what they do is put my social security number in the system, but changr the address and date of birth and address in differently showing a different address and birth day. so ithat i cant access my account on line and block me out also from buy credit monorting sore wath from equifax. if you try to access my report through equifax .com youll see what i mean. also i wont like you to take action againt equifax for violating my constutional rights, i have a mortage pending and i need acess to my credt report. i can be reach at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been fighting with Transunion for years. They continue claiming they have investigated reported information and determined it to be verified, only to have me come back with proof it 's not mine. They have ruined my life for years because I have a common name and no not follow proper procedures for releasing my credit report or verifying the accuracy of reported information. 
They requested a notarized statement saying inquiries were unauthorized and they 'd remove them, yet they have refused to do so after I have sent it in many times.

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 01-12-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: SANTANDER CONSUMER USA- AUTO LOAN -- XXXX/XXXX/XXXX i requested an extension because Texas was hit by a natural disaster " Hurricane Harvey '' On XXXX XXXX XXXX. My town and several others was declared a disaster area. I was told by Santander that i could get help with an extension on my car payment that was due XXXX/XXXX/XXXX. After speaking to several reps and getting the run around i was finally granted the extension and was given an option of extending it for one or two months. I let the rep know that i only needed one month and that i should be recovering and back on my feet after harvey had settled down. The rep then let me know that i would have to extend my loan from the current amount of like 5 years and in order for them to agree on the extension i would have to add 2 more months to my loan date. I agree 'd because i was in a tough spot. I disagree completely with the thought of them taking advantage of me during a natural disaster. First they seemed like they were there to help with those affected by Harvey, but they forgot to mention that i would have to extend my loan agreement and that the next two payments after that would be completely eaten up by interest. This is one of many complains! My next issue is that although i am aware of my high interest rate of 22 % due to me having bad credit. I disagree with the payoff amount. I have been paying on this car since XXXX XXXX. Today is XXXX XXXX XXXX and payoff amount is {$8300.00}. I have made all on time payments besides the Harvey situation and the extension. None of my payments have been reported to the credit agencies as they said it would. All of my payments have went towards interest rather then principle. Almost a year later and i have only made little progress. $ XXXX {$50.00} goes towards the principle balance and i believe this is not correct! Also it shows i owe {$4000.00} + in interest still. I planned on paying off the vehicle this month but realized that the agreement plus the car sales woman and the santander rep by phone all said that if i payed off early, i would be downsizing the inerest and only paying a small amount of interest at which was already accumulated as of the day of pay off. Now another rep is telling me i have to pay all of the interest plus tax title and lien when the contract states that i only pay for the amount i have left minus the interest if paid off early. I should not have to pay interest on the loan if payed off early! This makes no sense! This company is screwing me over and i will not tolerate it! I need answers as to why they are misleading me and i am paying more than what the car is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is reporting and collecting to collect wrong amounts on Loan XXXX that was loan XXXX transferred from Bank of America for servicing. 

The loan amount that was due at transfer was XXXX. 

XXXX needs to delete the credit line from my credit report because there should be no collection activity on a loan that was closed on XX/XX/XXXX be the predecessor, Bank of America, and reflects a XXXX balance. 

I 've attached the most recent update from Bank of America referencing loan number on XXXX XXXX, 2016. The XXXX updates the aforementioned loan 's status. 

XXXX need to correct the XXXX, XXXX, and XXXX report to reflect the same data as their predecessor, Bank of America. 

There has been no activity on the account since the transfer to XXXX ( ie no payments or payment agreements ). 

I am communicating via the CFPB because XXXX 's collection Law firm ( XXXX XXXX XXXX ) will not return my calls. Therefore, communicating via the CFPB seems to be the most effective.

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 08/27/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Billing disputes

Complaint: With my Chase credit card I had disputed a charge in XXXX. As per the conditions of a disputed transaction, I was legally not obligated to pay anything for the dispute. During the charge 's dispute period, Chase has billed me interest multiple times as I had not yet paid that amount due to the dispute. This conduct is incorrect, and if I am correctly recall it also is against the law to include and take interest from a transaction in dispute. I have contacted Chase multiple times in an act of goodwill to resolve the problem, but it has not led to any form of reasonable resolution whatsoever. Their customer service is very incompetent and not understanding towards the issue. I have wasted much time and energy trying to correct this problem, and I have exhausted all the ways to deal with them head on. I am contacting this organization to seek help in correcting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account has been closed since 2009. All of a sudden it reported a payment! I conacted Equifax and filed a complaint. They responded that the account was showing XXXX balance and closed the dispute. I filed again and told them I need the dates fixed, not the balance, as it caused a XXXX point drop in my rating. They have just closed it again, confirming that it is a zero balance after I clearly told them I need the dates fixed. Notice on the attachment that it is reporting a payment, that I did n't make, in XXXX of this year, and that the Account was closed in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: To Whom It May Concern, It seems the last XXXX times I 've tried to get my free credit report through XXXX from each of the credit reporting agencies ( ie TransUnion, XXXX and XXXX ), they were never able to process my request 'at this time. ' I 've even tried sending on of them ( ca n't remember which XXXX ) a written request and have never heard back from them. The only reason I tried the XXXX time was because of a notice from a medical provider that their patient medical data files had been improperly accessed by an outside hack and that I should contact either of the XXXX credit reporting agencies or subscribe to an ID management company to monitor my and my family 's credit free for 12 months. ( Why not forever since they mishandled my family 's sensitive personal information? ) Why are n't the XXXX credit reporting agencies processing my requests as they should according to the law in this situation? This is very frustrating and the major credit reporting agencies should be more responsive to the law 's requirements and provide consumers their 'free ' credit report with no hassles or hoops to jump through.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation