milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been having problems with hard inquiries that I called the companies that did they hard inquiries with no results they had no permission from me to check my credit report, So I contacted  XXXX  and Transunion and they said to bad need to contact the company to dispute I told  XXXX  and Transunion and some of the inquiries I contacted the phone number was disconnected and the company didnt exist so I contacted   XXXX   and Transunion back they said they didnt care and will do nothing they allowed companies to check my credit and   XXXX   Transunion had nothing on file other then my name and still let the company check my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: my spouse 's name must be removed from the credit documents as he does not own this property and by his execution of same it would give him an interest which he has already waived by execution of the Quitclaim Deed

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase offered me a Chase XXXX XXXX card two weeks ago. I immediately signed up for it and instantly got approved a week ago. When I checked my online account today, I found out that they suddenly closed the account! They also did it with another credit card that I applied for which is the Chase Slate. These two cards were opened about a week ago. did n't even get the chance to get those cards in the mail yet -- they already closed it without prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,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: After reviewing my credit report ongoing .. There 's a collection Agency. . National Credit  Systems.. A Balance of {$5000.00} ... Opening date    XXXX   XXXX    , 2016.. Th at 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And  all have done so except   XXXX   ... I have not lived at this address or apartment complex ...   This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires being reported on my credit report that i dont know where they came from my personal information was stolen and i had all my bank information changed. I have never inquired about any of the inquires being reported.

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 06/29/2015 about Consumer Loan (Vehicle loan) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: Good morning, I bought my car in 2011. We pay XXXX dollars in cash. 
Registration When I had no knowledge that the words ' 'one lien Recorded ' meant I owed money to the bank. My XXXX is not good now, and at that time was worse. 
I sold my car XXXX days ago as litter, they paid me {$250.00}, and the person handling the crane said I owed money to the bank. The data take my license, and I explained that I had to communicate with the bank. Try every possible way and I could never reach anyone. For this reason it is that I present this complaint and let me know what else I can do. I not owe money and I would like to clean that my recod. I would like to add that I never received any letter from the bank in XXXX years. Thanks and could please answer in XXXX? I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I deposited a check for approx $ XXXXinto the ATM, this check was from an out of state client and was drawn on another bank. Much to my surprise, I was granted full access to the funds which was a Saturday. I waited until Monday, XX/XX/XXXX to go to the bank and made sure the funds were truly available. The teller said it was available, all of it, I proceeded to take out {$2500.00} of the available balance in cash and went to another bank ( XXXX XXXX XXXX ) and deposited it into a said account that was the client 's sub-account. Later that day alarm bells were going off at Wells Fargo saying the check was being returned and I was out my {$2500.00}. That check should have had a hold of at least 2-3 business days to clear and not made available to me, the bank customer. This has caused me great distress. The client has not been able to be reached as there as out of the country for several months. At this point, nothing has been done by Wells Fargo to make this right. I have filed a Police Report with my Local Police force. They also agree the bank is at fault. The Wells Fargo Branch is known as the XXXX XXXX Branch in XXXX Md. I have attached the check in question and the deposit slips I received My contact there is : XXXX XXXX Assistant Vice President Branch Manager XXXX XXXX Maryland Wells Fargo Bank | XXXX XXXX XXXX | XXXX, MD XXXX XXXX XXXX Sincerely, 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 10-05-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TOYOTA FINANCIAL, creditor, auto loan account is fraudulent. It has been settled beyond controversy, a bank can lend its money, not its credit. TOYOTA FINANCIAL has created a constructive fraud, peonage, conspiracy, and dishonor which have resulted in my Revocation of Signature for Cause. I have written several letters to XXXX XXXX  to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with JPMORGAN CHASE & CO. (ID).
Issue: Billing disputes

Complaint: IN XXXX 2016 I PLACED AN ORDER TO XXXX. ADDED TO THAT ORDER WAS A {$300.00} XXXX. I RETURNED THAT PART TO XXXX. I HAVE A THICK FILE OF PAPER WORK TRYING TO GET THIS RESOLVED. ON XXXX/XXXX/16 I RECEIVED THE 4TH LETTER FROM MY CREDIT CARD CO. TELLING ME I WILL PAY THAT AMOUNT TO THEM. ON XXXX/XXXX/16 I RECEIVED A EMAIL FROM XXXX STATING THEY REIMBURSED MY CARD CO. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had never received a call from XXXX XXXX XXXX XXXX to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXX and the next payment was XX/XX/XXXX, 29 days later and XXXX XXXX XXXX XXXX reported my account delinquent for more than 30 days. I need them to fix this problem right away.

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 08/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage lien on my home from the Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX c/o XXXX XXXX XXXX XXXX. The interest rate on my loan is over 10 %. They have set a foreclosure date for XXXX/XXXX/XX/XX/XXXX I want them to produce ORIGINAL signed documentation that they have legal right to lien or foreclose my home ; showing they are the legal holder of the mortgage note. If they can not produce the original signed documentation they must cancel the foreclosure hearing. " Robo-signed '' documents are not legally accepted therefore they must produce the originals.

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 06/15/2017 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: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Re :  XXXX   XXXX   XXXX  Equifa x To Whom It May C oncern : I am requesting that a dispute be initiated for a   XXXX    XXXX    XXXX    XXXX   XXXX  account. Account list account is closed I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me a description of the verification method and method for verification? Can you notify me of the outcome of this correspondence?   Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX time I have to submit a complaint with the Consumer Financial Protection Bureau. Ocwen is once again stating that I am late on my mortgage payments even though my payments are submitted automatically bi-weekly by my financial institution. Based on information derived from my financial institution I am XXXX a payment ahead on my payments. Ocwen is the most incompetent company that I have ever encountered concerning customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: All the inquiries fromXX/XX/XXXXandXX/XX/XXXX are not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Issues where payments would not pull out of my bank account causing late fees. Also was not offered a income contingent plan. When I expressed interest in one the plan was more then my current payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (OK).
Issue: Managing the loan or lease

Complaint: My lease ended XXXX/XXXX/17. On XXXX/XXXX/17, I talked to a Toyota Financial XXXX XXXX XXXX XXXX who gave me information about pay off amount and dealer information. She never talked about the month to month payment option after contract expired, she told me I could either return the car or get it financed. I told her I would come to the dealer to get it financed. Few day later, I received a statement date XXXX/XXXX/17 with a late payment. I tried to make payment via phone but automate payment was not available. On XXXX/XXXX/17, XXXX called me again. I informed her that I have spoken to my dealer and they were working on getting my car financed. I also asked her about the statement date XXXX/XXXX/17 because I was never informed about making payment after the lease expired and I never received the statement when the payment was due, I only received the statement when it was passed due. She said it was my fault for not knowing about that information and I should have contacted her first. When I explained to her that I never knew about this information until it was passed due, she rudely told me that I was making excuses and it was all my fault. I intended to continue to make payments until I get the car financed ; however, my account would not be passed due if all this information was provided to me formally. This treatment was unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.

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 08-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following company I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA.
XXXX XXXX XXXX AMT {$1200.00} The above company has not provided an original signed contract with my signature and therefore MUST be deleted from my credit report immediately.
Due to poor lack of investigation and communication I 'm requesting that all of the account be DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and " Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact, the {$120000.00} figure appears nowhere in either of the histories. Furthermore, Nationstar 's letter only tells me who the " investor '' is for my loan. I did n't ask for the name of the investor but for the entity that held my mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have been the executor of my mother 's estate since XX/XX/XXXX. My mother had maintained an CD account that I was not aware of, and the sole beneficiary was her sister who was living at the time in XXXX XXXX in a XXXX XXXX. She was unmarried and died without a will or beneficiary. I have been working with the JPMorgan Chase Bank, Deceased Processing Department in XXXX XXXX, Texas since XX/XX/XXXX to close the account. I have researched, secured, and forwarded documents, to include various from XXXX XXXX. After 5 years of interaction with multiple representative at the XXXX XXXX, Texas branch, I was recently told the Deceased Processing department has reorganized moved some or all of its functions out of State to Florida. Based on the responses of the Florida representatives, I have lost continuity on my past actions and efforts. To make the matters worse, the JPMorgan Chase Bank Deceased Processing representatives in Florida is now refusing to reveal or document their intended action going forward. This is contradictory to the Bank 's previous notifications to me. As recently as XX/XX/XXXX, the Deceased Processing department leader in XXXX XXXX office informed me that the account would be closed, at the latest, by the end of XX/XX/XXXX. I was told that this determination was made after her consulting the JPMorgan Chase Bank Deceased Processing Legal Department. I have expended tremendous amount of effort to communicate and provide all of the documentations collected from XXXX XXXX, as well as others, during the last 5 years.

Company response to consumer: Closed with explanation