milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I placed credit freezes with all the bureaus, as a protection in the wake of the XXXX breach. I was able to place free freezes with the other bureaus, but Transunion made me input a credit card number and then charged me {$3.00}. I later looked up their fee chart ( https : //www.transunion.comXXXXXXXX ) and saw it should have been free, since I live in New York . The address they have on file plus my credit card billing address are for my current New York address.
I spent about a half hour on the phone until someone told me that I was charged the rate for a Georgia resident. I have not lived in Georgia since XX/XX/XXXX. I have no idea why I 'm responsible for paying for their incorrect information, which I never consented to them having in the first place. No one on the phone had any idea how to refund me. They just bounced me to other clueless reps.
In the course of the calls, I was told to call another number, which I did, and it sounded remarkably like a scam. The rep 's first question was for my full social security number, which I refused to give him and hung up.
I understand the {$3.00} I was billed is a tremendously insignificant sum in the grand scheme of Transunion 's decades of unethical XXXX, but it 's still unjust and I want to do anything in my power to never give these extortionists any of my money. So I 'd like the {$3.00} they stole from me on the justification of their own incompetence back.
Thanks for any help.

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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Equifax is continuing to report XXXXXXXX XXXX on my credit after I provided information from XXXXXXXX XXXX and their affiliates that states they will not report to credit bureau. I spoke with XXXX XXXX and they advised they would not report to credit bureau. I asked could they send me something in writing. They did. And I sent that to Equifax and Equifax will not remove. They are stating the company is continuing to report which is not true as seen in the letter. Equifax is violating my rights under the fair credit reporting act by continuing to allow this on my credit without verifying and processing my dispute. They simply close my dispute without looking at the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a phone call from a relative stating I had an threatening phone call from XXXX XXXX. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in XXXX days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since XXXX. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit card () with CITIBANK, N.A. (SC).
Issue: Customer service / Customer relations

Complaint: My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Other debt) with TekCollect Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with DLC, LLC (CA).
Issue: Problem when making payments

Complaint: As stated you did not answer any questions or respond to my statements. Per your response in XXXX it stated to make 1 payment a month interest free for 6 months. Not one place dos it state a minimum. payment. That is the issue at hand. I made 1 payment in XXXX. And when I went to make a payment in XXXX online it would only accept a payment of XXXX. Nothing less. Now it is XXXX or nothing. You gave 6 months interest free to pay off sine I have already paid you XXXX on XXXX loan and still owe you XXXX. You were not specific on payment amount just pne payment a month. And this second email was not in regards to any calls it was in regards to you reporting late on credot report when making a payment a month when you never specified amount just gave me 6 months. I made a payment in XXXX and your system refuses tp accept any payments I have tried to make in XXXX. So you are lying and I am not 30 days late and I am thinking I will just send this to CA attorney general now and small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a purchase money mortgage for a new home beginning in XXXX of XXXX online with Quicken Loans. I applied jointly with my husband. He is currently retired and is not receiving any pension. I am working and will receive a pension when I retire - projected to be XXXX XXXX, XXXX. We were preapproved in XXXX and signed a contract to purchase a house XXXX XXXX, XXXX. I was told we were approved for the application amount on XXXX XXXX. On XXXX XXXX I was told that Quicken would have to run a new credit bureau report with my husband as primary. This seems to be discrimination against a female applicant that is the primary source of repayment on the loan. I terminated my application with Quicken Loans because of their unfair and deceptive practices i.e. telling me we were approved and then requiring a new credit bureau report. Additionally running another credit report would have had an adverse effect on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TN).
Issue: Managing the loan or lease

Complaint: I had previously disputed this account with the credit bureaus regarding several areas that I believe are reporting inaccurately. I would like documentation to verify the accuracy of the reporting on this account. 

This account was included in my bankruptcy and I feel that the information being reported in not accurate and a violation of the Fair Credit Reporting Act. 

Please provide me documentation proving the accuracy of the parts of your account : Payment History Date Opened High Balance Date Last Reported Current Balance Account status

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with KEYCORP (CT).
Issue: Making/receiving payments, sending money

Complaint: During Key Bank 's takeover of First Niagara Bank, XXXX payments were made to my XXXX Sapphire credit card, each in the amount of {$12000.00}. 

This error occurred due to faulty information I was given by a representative of Key Bank at my local branch office on XXXX/XXXX/16, and exacerbated by their online banking site after the transition on XXXX/XXXX/16. I called the Bank and XXXX credit card company as soon as I noticed the error on XXXX/XXXX/16. I have subsequently made many call and have spent several hours on the phone trying to get my money back. At on point, XXXX agreed to return my extra payment electronically within 3-5 business days. This did not happen. Key Bank said they could refund my account, then work with XXXX to return the funds to them, but this has not happened either. I finally called my US Congressman 's office to enlist their help in getting my money returned, but even he has not gotten a satisfactory answer as to when my problem with be resolved. 

As this was a very significant error, my checking account had over an {$11000.00} deficit for two weeks. I had mortgage payments that became due and were not paid as scheduled. I had to move {$10000.00} dollars from my savings to my checking so that I would not have issues with my mortgages and monthly bills. As such, I am losing the small amount of interest on my savings. If this goes on much longer, I will have to dip into more of my savings which could bring my accounts below the level needed to have monthly bank fees waived. Although this is minor compared to still being out {$12000.00}, they are penalties I should not have to incur. I am very grateful to have the funds to transfer, but this situation is causing anxious days and sleepless nights for my husband and I. As XXXX we hope for a less stressful retirement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2015 about Credit reporting () with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Arbitration

Complaint: I was recently granted a divorce from my husband. The court ruled that he was liable for all outstanding debts on a Master Card with Wells Fargo. I contacted Wells Fargo to have my name taken off of the account and to notify them that my husband was liable for paying off the balance due on the card. I sent them a copy of the decree of the divorce. I made several phone calls to Wells Fargo. I went to a local bank and pleaded my case. I was told Wells Fargo does not honor divorce decrees and that they are holding me responsible for the outstanding balance along with my husband. My husband is the primary card holder on this card and he refuses to pay the balance due. This outstanding balance is destroying my credit rating. And I do not have the money to pay off the balance. Well Fargo also changed the credit card from a Master Card to a Visa card without notifying me. They would not give me the new credit card number until I went to a local Wells Fargo bank and demanded that I be given that account number.

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 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....

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 11/19/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX, my wife and I made a XXXX dollar payment to Navient to completely pay off XXXX loan and pay parts of other loans. We just found out today, XX/XX/XXXX that Navient portioned that money as if it were to be paid as a monthly payment until XX/XX/XXXX. We have been paying interest on an already paid off loan plus XXXX others as if they were not paid. In addition to this, a surprise withdrawal from our bank account of XXXX dollars to Navient was assessed today. Navient has admitted the mistake but seemed to place the blame on an inexperienced customer representative who processed the payment. Nothing has been resolved yet, as no supervisor was willing to take the call from our last customer service rep, who is taking all of the brunt of our frustrations.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX Debt Recovery Solutions , LLC sent what they claim is a second letter regarding a debt they claim I owe to XXXX in the amount of {$1900.00}. In their predatory letter they claim the debt is a " long outstanding obligation '', with a XXXX account opened on XXXX XXXX, XXXX. Not very long even if it were mine. Also the account was opened in XXXX, whereas I live in Oklahoma. I informed the predators that I have never had an account of any type with XXXX. My credit history also reflects that I 've never opened any account with XXXX XXXX because their services are questionable at best. I informed the predator 's representative, a XXXX XXXX, that refused to provide a real name, that I planned on investigating the matter. Said investigation will include a lawsuit. Apparently Debt Recovery Solutions , LLC is fairly familiar with being sued judging from the almost XXXX complaints on the Better Business Bureau website as well as the multiple addresses they use. " XXXX XXXX '' stated she would remove the hit from my credit record, but it 's clear that she has no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan ServicingWe were behind two months on our mortgage ( XX/XX/XXXX and XXXX XX/XX/XXXX ). We sent an overnight check received on XXXX XXXX XXXX that was signed for.The check was never cashed. Upon calling we were told that they had changed their overnight address and to give it a few days so it could be routed to the correct area. We called back a week later and was told the numbers written in the box of the check did not match the words written in the body of the check. I wrote the numbers and words correctly and assured them of that. I asked they send that check back with an explanation. They said they would but we needed to send another check to their new overnight box which we did and they cashed that one. During that conversation they said that our escrow account was short {$5100.00} and our new payment had gone up {$220.00} a month going back to XX/XX/XXXX. We sent a certified letter ( XXXX XXXX XXXX ) them asking for our check back from XX/XX/XXXX that they did not cash and to provide us with an explanation of our escrow. We also called and spoke to a customer service representative who said she would accommodate this request. It 's seems {$5100.00} is extreme since our property taxed have only gone up {$400.00} for the new year and our homeowners premium has stayed the same from last year. We send another overnight check which was signed for on XXXX XXXX XXXX. We waited for it to clear the bank and on XXXX XXXX XXXX we called and they said they were no longer taking payments from us unless we send them {$11000.00}. 
On Monday XXXX XXXX XXXX I received my escrow projected statement ( which by the way is dated XXXX XXXX ) along with any accounting of my account since XXXX with fees for example service process XXXX/XXXX/XXXX {$420.00}, title report fee {$75.00} XXXX/XXXX/XXXX process service fees again on XXXX/XXXX/XXXX {$340.00}. The list goes on and on all while they denied my modification and then XXXX months later after denial I get an email that " great news your modification has been approved '' I thought it was a scam and contacted my local HUD counselor who verified for me that in fact it was changed from denied to approved. Hence we started making our payments. Ocwen has XXXX checks right now that they have refused to cash and in the interim cashed XXXX. This does not seem right. I have since been sent another modification package. I do n't dispute any late fees since our payments were received after the XX/XX/XXXX due date but I am disputing all other fees and the escrow amount. another modification package also.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (FL).
Issue: Closing on a mortgage

Complaint: XX/XX/XXXX, put a contract on a home through Guild Mortgage, property address is in XXXX, sc XXXX XX/XX/XXXX, I did inspection for a streamline XXXX mortgage, total mortgage {$100000.00} XX/XX/XXXX, unknown to me, presidentially declared disaster damaged the home before we closed XX/XX/XXXX, I closed on my home but the lender did not do a post disaster inspection for damages as a result of the storm as required in FHA guidelines XX/XX/XXXX, contractor began streamline XXXX repairs but was unable to finish due to additional damage not included in the mortgage as a result of the storm XX/XX/XXXX, I was unable to even move in the home because the damage was so significant and severe, mildew and mold and flood damage, furniture was moved in and also damaged from mildew XX/XX/XXXX, retained an attorney to work with Guild Mortgage on getting the repairs done XX/XX/XXXX - XX/XX/XXXX, Guild Mortgage tried to put the responsibility for repairs on me. All the while, my attorney was in settlement negotiations with Guild Mortgage. Behind our backs, Guild mortgage applied for foreclosure in XXXX of XX/XX/XXXXXX/XX/XXXX, Guild mortgage had repairs assessed in the amount of {$160000.00}, the mortgage is only for {$100000.00}. Guild offered to take over the deed of the home in exchange for credit repair and a settlement of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (WV).
Issue: Problems when you are unable to pay

Complaint: My husband and I went to XXXX XXXX in XXXX WV in XXXX of 2015 to purchase furniture for our new home. We asked the selling agent what our payments would be and we were told that they could not tell us because it was against Wells Fargos new policy. They said that our payments should not be more than {$70.00} a month, which is what my last furniture payment was. We could easily make {$70.00} work as a monthly payment. We also had to pay our sales tax before our furniture would be delivered. We paid {$260.00} in cash and our loan amount was for {$4400.00}. Our furniture was delivered in XXXX and when we received our first bill and it was twice the amount at {$150.00}. 
I called Wells Fargo and explained what we were told by XXXX XXXX and that we could not swing that high of a payment with our new home payment, student loan, car payment and a baby on the way. They said that we had signed a contract and that it was set in stone unless we wanted to pay off the full amount of the loan. They also said that we could appeal the contract. Upon looking at the contract the first page reflects a 12 month date and the second page reflects a 17 month date. 
We were denied the appeal by Wells Fargo Speaking with them again they said that they could lower my payments if I were not under a contract and that I am required to pay the minimum due whether I can afford to or not. If I can not pay the amount due they will be forced to take action because of breach of contract. 
We have made the payments throughout the year the best that we could whether we were able to pay the full amount or just what we could afford. We have now received a letter stating that we must pay {$280.00} by XXXX XXXX or they will be forced to take legal action and make us pay {$4900.00}. We were also charged {$1200.00} in interest for one month. We have made our payments the best that we could throughout the year ( XXXX ) causing our bills to pile up. Even after explaining all of this to Wells Fargo they were still unsympathetic to our cause and unwilling to work with us on this matter. 
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?

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