milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/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 non-monetary relief
Consumer complaint received 10/14/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Billing statement

Complaint: When purchasing books from Amazon.com, I was invited online to receive a Chase XXXX card, which would be used for this and subsequent Amazon.com purchases. After purchasing about XXXX items, I just received my first Chase XXXX statement on XXXX XXXX, 2016, which charged {$52.00} in late fees and {$4.00} interest. I called Chase Bank to explain and authorized my Amazon.com purchases to be paid from my online personal bank account. Chase, however, would not waive all late fees & interest. I then asked that Case close this XXXX account. However, since I did not receive any previous billings, I ask the regulatory agency to protect my credit reporting status and ask that late fees & interest be credited. I want to be responsible with credit purchases, but also think the issuing bank should be accountable. Thank you. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I mistakenly electronically paid my Wells Fargo credit card instead of my Wells Fargo Mortgage. I realized my mistake and called the credit card people and they assured me they could and would transfer those funds to Mortgage. Countless calls, many assurances that it has been fixedand I am receiving collection calls. I have invested about XXXX hours on hold and still ca n't get this fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Mortgage (FHA mortgage) with CORELOGIC INC (MD).
Issue: Application, originator, mortgage broker

Complaint: Almost a week ago I started shopping for house. I did some reasearch online and found a house. Quicken loan was the only company that had my SSN and they pulled out my credit. I was done and I said I no longer want to move forward. After two days I saw another inquiry from Credstar/Credco on mu credit account I did not filled any application with them. I think they sold my identity, or something because I have no idea where the credstar/credco came from

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 05/16/2016 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I acquired a reverse mortgage for my mother in XXXX. She passed away XXXX XXXX, XXXX. I contacted Champion Mortgage about the repayment of the loan. I was told to submit the following documents : 1. Certification of Trust ; 2. Letter of intent to sell the property ; 3. Listing Agreement from the Real Estate company ; 4. a copy of the Death Certificate. I sent the documents on XXXX XXXX, XXXX. On XXXX XXXX I called Champion to ask why I had not received the payoff balance. They said I sent the documents to the wrong address XXXX and not to the XXXX office. The XXXX address was the address I was given. I faxed the documents to XXXX. XXXX XXXX I called Champion to confirm that they had received the documents. They had. I was told I would receive the payoff balance between XXXX XXXX. On XXXX XXXX I was told they needed the complete copy of the Trust. I faxed the complete Trust. On XXXX XXXX I called Champion again and was told that they did not receive the complete Trust because it was the Amended Trust. I explained that the Amended Trust was the valid Trust and the original no longer existed. I called Champion numerous times about this and was told each time that the Trust was incomplete. They also told me that I was not authorized to get the payoff because I was not the borrower. I explained that I was the Trustee of my mother 's estate and that I was the one who obtained the reverse mortgage. I am on the XXXX to the property. My loan officer who originally obtained the reverse mortgage has also been in contact with XXXX XXXX, a manager at Champion. My loan officer sent the Affidavit of Change of Trustee and another copy of the complete Amended Trust. Champion still would not give the payoff balance to the title company. The property is in escrow and closing today, XXXX XXXX, XXXX. 
I wrote to the XXXX and the XXXX. The XXXX has filed a complaint against Champion. Champion has refused to cooperate and has repeatedly denied my request for payoff. The buyers for the property are waiting for the title to clear so they can move into the property. This whole process has been absolutely the most frustrating and disturbing experience of my life. Champion and XXXX XXXX are complicit in conducting illegal behavior that no one should be subjected to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 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: First, I have other pending complaints regarding some of the same issues which I soon will list below. However, I am submitting this complaint here because Experian 's reason for denying my claims appears that the issues of my complaint were not clear.   In order to clarify my issues/complaints, these are now the current issues  :   1 )   XXXX   XXXX   XXXX  action requested : To remove the Comment " Account previously in dispute-investigation complete, reported by data furnisher.  '' 2 )    XXXX   XXXX  -action requested : To remove the  Status adv isory " This item was updated from our processing of your dispute in  XXXX   2015 . ' ' 3 ) P ersonal statements you 've asked us to include-action requested : To remove the following statement " FILE FROZEN DUE TO STATE LEGISLATION. '' I want continue with the security freeze, but I never requested/authorized that statement to be added to my credit 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 07/31/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (FL).
Issue: Struggling to pay mortgage

Complaint: THIS IS IN REGAURDS TO MY MOTHERS HOUSE AT XXXX XXXX XXXX XXXX SHE HAS XXXX I APPLIED AND WAS APPROVED A LOAN MODIFICATION IN XX/XX/XXXX XXXX XXXX SOLD TITLES TO HOME IN XX/XX/XXXX. I SIGNED AN AUTHERIZE LETTER SO XXXX XXXX CAN TALK TO ME .I WAS DECIEVED AND LIED TO. THEY SOLD THE TITLES TO A COMPANY NAMED XXXX XXXX  THEY COULDT TALK TO ME AFTER I GAVE THEM MY CONTACT INFORMATION. THEY STATED THEY NEEDED AUTHERIZATION SO I SENT THEM THAT AND THE STATED IT WAS TOO LATE. I CONTACTED THE COMPANY THAT BOUGHT MY MOTHERS HOUSE I WAS TOLD TO CALL BACK ON XX/XX/XXXX I WOULD LIKE THE FORCLOSED SALE REVERSE OR REDEEMED .THIS PROCESS HAS BEEN UNFAIR I WAS TOLD DIFFERENT MAIL WAS NOT RECIEVED. I WASENT INFORMED ON WHAT WAS GOING ON.IF MAIL WAS SENT IT SHOLD HAVE BEEN CERTIFIED WE LIVE IN A NOT SO NICE NEIGHBORHOOD .IF YOU COULD PLEASE ASSIST ME I WOULD BE GREATLY APPRECIATED XXXX XXXX CONTACT INFO ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 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: Information belongs to someone else

Complaint: I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have hard inquiries on my report that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Customer service / Customer relations

Complaint: I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. 
I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. 
I e-mailed XXXX on XX/XX/XXXX but he had not responded. 
I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. 
I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient keeps adding balances and subtracting balance from my account. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of forbearance. I respectively ask that the dates from XXXX - XXXX be removed and set to current. As soon as I contact Navient my loans were put back in forbearance. Also I want all loans older 7 years off my credit report, as the is more than the SOL for my state, I need this done ASAP, as Navient is doing illegal collecting and reporting practice

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has been reporting a student loan balance and liability for me in excess of {$120000.00} and payment terms that are also inaccurate because I am a participant in the Public Service Loan Forgiveness Program due to my status as XXXX. I have asked them repeatedly to correct the student loan information showing XXXX XXXX account with the following notation ( which is less than XXXX words ) : '' The debtor is a XXXX of the United States and due to that status, he participates in the public service forgiveness program for student loans. Under that program, the debtor need only make 120 total payments over his XXXX career in order to have the loans completely forgiven. Thus, the outstanding balance on student loans being reported in this credit report is inaccurate and much higher than the debtor 's actual liability which is simply 120 payments of {$620.00} each less the number of qualifying payments he has made since XXXX XXXX, 2007. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My name is XXXX XXXX and I am a victim of ID Theft and I received a copy of my credit file that your company publishes and after reviewing that I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in YOUR files as of this date that you used to verify the accuracy of the accounts list below. Under the FCRA 15 U.S.C section 1681g, I do have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts you are reporting in my credit report. Please do not respond to my request by saying that these accounts have been verified. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, plus update my address and delete the rest? Please just update my name and delete all unnecessary information and please remove all unverified items on my credit report and distributing them to third parties under Section 611 ( a ) ( 5 ) ( A ) ( I ) and damage my reputation and credit worthiness.

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 12-03-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a payment notification for the very first time and it had XXXX late charges on it. I immediately called and tried to speak with customer care and they just gave me the obvious blurb and it sounds like they are just reading a script about how we can only adjust XXXX payment. I had no idea I even had any charges on my account as the charge was an automatic renewal fee pushed to the account by costsco apparently 2 months back. I had no idea I even had a payment due and thought XXXX renewed the card at the beginning of each year like other accounts I have. Money wasnt even the issue, it was the point of getting no notification and now they tell me the late fee will hit my credit report and I have never had a late fee in my life. They said they emailed and I save all emails and never delete anything and I had nothing from them the dates they state the bill was sent. To top it off they said they would waive XXXX of the late charges but never did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (FL).
Issue: Money was not available when promised

Complaint: Im trying to authorize purchases from XXXX and td bank is not allowing it

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: First American Title located in XXXX Nevada was the title company that had us sign our original Note and Deed of Trust dated XX/XX/XXXX with XXXX Mortgage on XX/XX/XXXX. Per the XXXX recorder 's office, in order to record documents, a person must bring the original document ( XXXX ) to the recorder 's office to be recorded or electronically record the original document with the recorder 's office. Per the XXXX XXXX electronically filed our Deed of Trust on XX/XX/XXXX, instrument # XXXX. This was XXXX days later! Now ; on XX/XX/XXXX, I contacted XXXX and requested to know the following ; XXXX, I requested to know when the title company sent the original documents to the lender, New Century Mortgage. 
XXXX, what was the date the original documents ( Note and Deed of Trust ) were sent to XXXX. 
XXXX, I requested to know which carrier XXXX used to deliver these documents. 
My attentions were to verify that our original Note and our original Deed of Trust was sent to New XXXX Mortgage prior to New XXXX Mortgage going bankrupt and selling this asset, Note and Deed of Trust to another investor! The information below verifies that New Century Mortgage was in possession of the original Note and the original Deed of Trust when they sold our Note/Deed of Trust! 
Today, XX/XX/XXXX, I received an email from XXXX reflecting that the documents were shipped with XXXX on XX/XX/XXXX, tracking number XXXX. Please review the enclosed document ( s )! This caused another issue regarding our mortgage! Apparently, XXXX sent our original documents to XXXX, XXXX days prior to electronically recording our Deed of Trust with the XXXX. Even though the Deed of Trust was notarized, First XXXX Title was not authorized to record a copy of the Deed of Trust! Per the recorder 's office, all mortgage documents that are being recorded must be recorded with the original document! It appears that XXXX XXXX XXXX XXXX have violated state law ( XXXX ) NRS XXXX requirements for recording certain documents relating to real property. 
Since XXXX XXXX XXXX and XXXX servicing mis-handled our mortgage account, we are investigating everyone that is or was involved with our mortgage. An investigation into this matter is warranted by XXXX and XXXX agencies. If any wrong doing did in fact occur by XXXX, XXXX must be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, NY XXXX : XXXX XXXX of SS # ( XXXX ) Drivers License : New York # XXXX : Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Whom It Concerns at XXXX XXXX XXXX : I have noticed that you have placed an inquiry on my Experian credit file dated XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within XXXX ( XXXX ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Problems when you are unable to pay

Complaint: A lot of issues have started since One Main financial switched computer systems. I was behind on a loan payment which was due the XXXX. On the first they started calling me AT WORK, numerous times a day, demanding money and saying that my account was already 30 days late. When they started the new computer system, i was locked out of my account. It kept popping up an error message and to call my local branch. Customer service thru One Main financial is more than lacking. RUDE is the best way to say it. Threatening calls saying that the payment was already 30 days late and that it WILL BE ON MY CREDIT. When i explained that the payment was not yet 30 days late and it would be paid when i got paid, which would be before the XXXX, she began shouting at me YES IT IS 30 DAYS! This was on the XXXX of the month. Plainly on my statements I receive the payments are due on the XXXX of the month! The tone in which the calls were made and the frequency of the calls i feel like are total harassment. Nothing compassionate or trying to reach a resolution about these phone calls it was just flat out harassing. Numerous times she was told that the payment would be made on pay day.

Company response to consumer: Closed with explanation