milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Other transaction issues

Complaint: On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion has deleted 14 months of information on the account " XXXX '' causing the account to remain well over 7 years on the report. Enclosed you will see my Transunion report of XX/XX/XXXX. It shows the DOFD on this account at XX/XX/XXXX. I was expecting this account to drop off around XX/XX/XXXX. 
But then, for some unknown reason, notice the enclosed report of XX/XX/XXXX. It shows the payment information DELETED from XX/XX/XXXX to XX/XX/XXXX causing the DOFD to be moved to XX/XX/XXXX. Which has caused this account to remain on file. You can clearly see that they simply deleted 14 months of information. Transunion says this account is updated and correct even after I MAILED this information to them! 
I 've been fighting this for months now and am trying to avoid legal ( $ $ $ ) action.

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 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. 
I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this complaint.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

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 04/27/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have asked EQUIFAX TO PLEASE COMPLY WITH THE FEDERAL LAW AND SEND ME THE ORIGINAL SIGNED DOCUMENTS PER THE FCRA SECTION 609 THEY HAVE YET TO COMPLY PLEASE SEND ME THE COPIES

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other transaction issues

Complaint: made a purchase from XXXX and paid via paypal. turned out XXXX had charged me the full amount for a new ticket, same date, same flight, same plane, instead of adding luggage to an existing ticket. now i am double booked. when i realized what had happened i called paypal immediately and they would not help. XXXX said no refund for a promo fare flight, regardless of the circumstances and that it is a double book.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (I do not know) with Account Control Technology, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Control Technology XXXX has been contacting me wrongly for many months ( over 4 ) at times between XXXX-XXXX from a Wisconsin number ( XXXX ) multiple times a week. 

The thing is, they are looking for someone who shares the same Surname with me, but it 's not me. I do n't even have any outstanding debts as I write this now. 

I explained the mix-up previously, but they continue to call. I have just recently explained it again ( 2 months later ), with a little too much passion and was hung up on. 

Either way, they are wholly incompetent on this matter and it is downright shameful they have any effect over any individuals, let alone their credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I went though a divorce several years ago, my husband Quit claim deeded the martial residence to me. I 've forwarded financials and request for modification to the mortgage servicer serval times. My credit has been pulled numerous time as well, I still reside in the property. Select Port Folio has assigned my file to several relationship managers, no one with the mortgage company has completed the request for mortgage modification. I feel I 'm being given the run around. I was also recently informed I needed to attend a Hud homebuyer class. I 've owned several homes and I feel I 'm being harassed and decimated against. I want the mortgage company to please complete the modification request There is a pending property foreclosure sale date set for XX/XX/2017. 
Please HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 08/14/2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A recording from Focus Receivables Management keeps calling saying that they are trying to collect a debt. Sometimes I pick up, but there is no real person to tell that they have the wrong number. I do not know if they are the same people calling my cell, but someone keeps calling my cell to collect a debt. Once I talked the the cell phone people and determined that it is a scam. However, they keep calling and harassing me. I manage all of my debts carefully and have checked my credit report. The debt is not mine or they are a scam. The number that they tell me to call for Focus Receivables is XXXX. The numbers calling my cellphone include XXXX. I block them each time, knowing they are a scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed the information with Experian regarding XXXX XXXX XXXX and the incorrect status of my account. Experian did not reply, but when I attempted to dispute it again, it said that I could not because it had already been verified. I sent letters directly to XXXX XXXX XXXX and they have not responded with complete documentation either.

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 03/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i attempted to obtain a free annual credit report from the XXXX reporting services via the website : XXXX. No problem with XXXX. XXXX required a written application be mailed to them and Transunion steered me to a new page or website where I was not allowed to proceed without subscribing to a service which required me to pay an initial fee of {$1.00} for the report ( {$0.00} for my " score '' ) and further agreeing to and paying a recurring charge of approximately {$18.00}. It is my belief that I am entitled under the law to a FREE credit report. why is TransUnion being permitted to violate the law with this deceptive practice? Please remedy this violation and require them to send me a free credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a citation dated XXXX/XXXX/XXXX from the XXXX, Ca traffic court the Docket XXXX i went to court on XXXX/XXXX/XXXX in which the court reduce the ticket from {$520.00} to {$320.00} which i paid at the court house and on the clerk docket and minutes it stated driver license hold to remain until sentence satisfied.So on XXXX/XXXX/XXXX Alliance One went into my husband bank account with court order that i had no warning of and took {$450.00} causing my husband bank to go into the minus of {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: For two years in a row, I have submitted income documentation to XXXX to recertify my income-based repayment eligibility and payment amount. For two years in a row, XXXX has held on to this documentation until the last minute, then sends me the recalculated payment amount less than one money before the new payment amount is to go in effect. For two years now, XXXX has not factored my spouse 's student loan debt into the payment calculation, despite it being included by me both years. In fact, this year, I even starred and highlighted it and they still left it out. Last year, they fixed their mistake and lowered my payment amount accordingly, but it took them an extra money that I had to pay nearly double my normal amount. This year, the same thing happened, but they offered me an administrative forbearance for that one month while they fixed their own mistake. They assured me interest would not capitalize during an administrative forbearance of their own accord, and I also still have financial hardship so it would not capitalize. I just got a letter that it will capitalize, and it will be over {$15000.00}!!!!! Please help. 

Of less importance to me now, but still frustrating, they have refused to calculate my PSLF payments saying my employer start date is missing on my verification form. It was n't. I resent it and highlighted it and they still said it was missing! They then agreed to do a special recount since they saw it was there by phone. It 's been 6 months and I 've still heard nothing back. They say it 's normal processing time! 

My primary concern right now is the interest not capitalizing on XXXX XXXX. XXXX has purposefully ignored information provided by me, held on to things for months, and taken advantage of me financially through their own mistakes again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have failed to block accounts resulting from identity theft from my credit report even though I provided my affidavit and police report as well as a letter detailing that my information was stolen and used by another party. In addition, I have paperwork which explicates that another party used my name in a criminal matter therefore I am not responsible for the accounts that do not belong to me. Not only did they fail to block this information, they failed to give me the documentation that proves that these accounts even belong to me. I did receive a letter stating that these accounts were verified as mine and that they are declining my request to block these accounts. To legally verify, Congress states that they must have firsthand knowledge of these accounts and they did NOT! Before I speak with my attorney, I 'm giving a goodwill attempt for the last time to rectify this. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for you to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. # 1 I was a victim of identity theft which means that these items must be removed immediately XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately! 
XXXX XXXX Account # XXXX where 's the documentation that proves ownership of this company? I did not open this account nor did I apply for it - remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have not received free annual credit report from Equifax as requested in 2016. 
When requesting from XXXX FOR THE PAST SEVERAL YEARS they refused to accept several proof of address attempts. I did Include photo ID and letter from the homeless shelter and they continued to deny. I have lived at the same address for eight years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the XXXX credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I co-signed for my daughter on a mobile home and filed bankruptcy in the year of XXXX on the account but the account number was somehow changed. Therefore, a collection agency still continues to harass me for the debt. ( My daughter has since then moved on leaving a balance owed. ) The collection agency has been given this information as well as credit bureaus but both have ignored the complaint. 

Please help me resolve this issue. 

Thanks in advance for any help you can give me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation