milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Several months back I went to Experian to get a copy of my credit report for my husband myself, using XXXX of my credit cards. Over the last 9 months Experian has been charging my card for a monthly membership fee that I was unaware of in the amount of {$43.00} a month. They automatically enrolled me and my husband in a monthly membership without my knowledge or consent. The only reason I did n't discover it until recently is because I put that card away and was trying to pay it off. When I realized the balance was going up instead of decreasing, I checked my online statements and realized what Experian had been doing. When I called to dispute it. They said that it was an automatic enrollment and I was out of luck. I had to jump through a bunch of hoops to cancel it getting my credit card company involved to assist me. They 've charged my card {$350.00} over the last nine months. I was so upset that they would do something so underhanded. I had no idea that they automatically enrolled me in a monthly membership. Saddest part is I thought they were supposed to protect the consumer not take advantage.

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 10-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: I 'VE BEEN HAVING ISSUES WITH MY WELLS FARGO ACCOUNTS FOR SEVERAL YEARS NOW BUT EACH TIME I HAVE CONTACTED A WELLS FARGO REPRESENTATIVE ABOUT MY ISSUE I NEVER GET A ANSWER THAT I 'M COMFORTABLE WITH. I 'LL CHECK MY ACCOUNTS AND I WILL HAVE A CERTAIN AMOUNT THEN THE NEXT DAY MY BALANCE WILL BE EXTREMELY LOWER THAN IT WAS THE DAY BEFORE, WELLS FARGO WILL ALWAYS SAY I HAD PENDING TRANSACTIONS THAT DID N'T CLEAR YET BUT I KNOW IT 'S NOT TRUE BECAUSE I KNOW I DID N'T SPEND THAT AMOUNT BUT IT WAS NOTHING I COULD REALLY DO BUT EXCEPT WHAT THEY TOLD ME WITHOUT ANY SOLID EVIDENCE. THIS HAS BEEN HAPPENING FOR YEARS NOW AND IS STILL HAPPENING TODAY. I FIRMLY BELIEVE WELLS FARGO IS STEALING MONEY FROM MY ACCOUNTS BUT THERE IS NO WAY I CAN PROVE THIS WITHOUT A THOROUGH IN DEPTH INVESTIGATION AND EVIDENCE.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never own a Credit card from the XXXX and it appeared on my credit report as collections balance to XXXX. As I have obtained a mortgage for my retirement home in Oregon, lender asked me to pay the full balance in order to get the loan closing because the credit reporting agency has been refusing to remove the error off my credit report! I paid the full amount of someone else 's financial misdeed. My husband and I are on a fixed income please help us to get our money back. Than you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (WV).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased our home XX/XX/XXXX. XXXX XXXX Roundpoint Mortgage purchased our loan. Soon after we received a letter stating we did not have enough flood insurance and if we did not respond within 45 days they would force place extra coverage. Well our payments went up XXXX more a month. We received the exact same letter same wording and just a date change XXXX XXXX. My husband called our mortgage company numerous times, talked to several people who all have different answers. The fourth day of calling and being placed on hold for 50 minutes at times he finally spoke with a manager/supervisor. He explained what we had received and the manager told him that the issue had been resolved to just throw the letter away/put it to the side. She stated that we were paying the extra XXXX a month for extra flood insurance. She also stated that something was definitely wrong with our file and that she was going to send it to another managers office. We thought the problem was resolved. Still XX/XX/XXXX to be exact, we are flooded. We live in WV where XXXX of the XXXX counties were declared a disaster area. We called our insurance and made a claim. We then called our mortgage to let them know what had happened. While talking with the mortgage company we were told that we only had XXXX in flood insurance. Now mind you we just talked to the on XX/XX/XXXX and was told we had been paying extra for more insurance. My husband asked to speak to a supervisor and was placed on hold for hours at a time. The phone would be answered as if we were calling in for the first time again. We have never spoke to a supervisor to date. Two weeks after the flood we received an advancement check so we could get started rebuilding but our mortgage company told us to endorse it and send it to them to be placed in a file, that they have never heard of an advancement check. The issue with all of this is we have had to spend XXXX out of pocket to make our home livable but not repaired. The total damage to our home alone was XXXX. We only got XXXX to fix our home. As you can see that is not going to cover the damages. So, due to Roundpoint mortgage dropping the ball where our flood insurance is concerned we will not receive enough money to repair our home. We were told the XXXX extra was for extra flood insurance. If it was n't going towards flood insurance they have had our loan for almost two years, why was this issue not fixed?

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 07-02-2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Balance transfer

Complaint: I did a balance transfer with Chase and I made a purchase which I paid In full before the billing statement. They charged me purchase interest fee and now they tell me that I need to pay the balance in full to avoid any future interest.if that 's the case what 's was that whole sham of 0 % apr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2016 about Consumer Loan (Installment loan) with Apothaker & Associates, PC (PA).
Issue: Problems when you are unable to pay

Complaint: this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to get XXXX and XXXX to remove this item Now for over a year ... ... ... they keep verifying this as real with Chase and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally Chase sent me a letter stating they did n't have the file with the documentation to support this debt ..a clear violation of the Fair Credit reporting Act ... ..but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the chase documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring chase on the phone and verify it with me ... ..Chase refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call XXXX agent hung up on me and the other XXXX agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it due to unverifiable records and the company Chase says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to ... .... attached PLEASE Find Documents from Chase themselves stating they do n't have the information cause they sold the debt ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Federal student loan) with GC Services Limited Partnership (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Information presented to me about my credit score by  XXXX   XXXX  Sales Consultant,  XXXX   XXXX ,  XXXX   XXXX   MD.    Indicated my score was  XXXX . He said, '' It is almost  XXXX  that is pretty good. I accepted that the information was correct.   I subsequently pulled my credit report from all  XXXX  reporting agencies. All scores were above  XXXX ,  XXXX  was  XXXX .   I called to complain to  XXXX   XXXX   XXXX  about the disparity in the reporting to me about my score and credit rating. They insisted that the score they got was from Equifax. My score on the report I received from Equifax was  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On Friday, XXXX XXXX, XXXX, I submitted an Identity theft report to XXXX. This account was documented in the Identity Theft report that was provided to XXXX on XXXX XXXX, XXXX. The account in question was for a collection company called XXXX XXXX XXXX for an XXXX account. On XXXX XXXX, XXXX XXXX removed this account. 

On XXXX XXXX, XXXX, XXXX added a collection account from a collection company called Enhanced Recovery Company. Enhanced Recovery Company is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report. 

Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: XXXX was hired to do work on property damage for insured XXXX XXXX and XXXX XXXX. After completion of the job XXXX XXXX, based on our estimate and invoice paid {$14000.00}. The check was mailed to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX made payable to XXXX, XXXX XXXX, XXXX XXXX and CitiMortgage. When I received the check I sent it to the homeowner who in turn signed and returned it to us. I stamped the check which is a requirement of the bank and sent it to the bank for endorsement. After four months of trying to get paid CitiMortgage will not speak to me about the check because XXXX is not on the loan. XXXX XXXX has sent me a copy of the cancelled check which CitiMortgage cashed on XXXX XXXX, 2015. I have since learned that the homeowner is in foreclosure. I will send all of the supporting documents that were sent to state farm in order for us to be paid. The work was done and XXXX was paid, however, CitiMortgage took the money. I would greatly appreciate your help in getting payment for work that has been done over four months now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with FirstPoint Collection Resources (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On X/X/2017 at XXXX and XXXX, a representative, 'XXXX. XXXX ', with FirstPoint Resources disclosed nonpublic personal information regarding a debt of mine without verifying who she was speaking with. On both phone calls, the representative disclosed my name, address, amount of debt, and original debtor without verifying who she was disclosing that information too. Luckily for me, I was the one on the other end of the phone call in both situations ; however, that information could easily be in the hands of someone else for identify theft purposes now which is a major concern.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Collection Professionals, Inc. (Macomb, IL) (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 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 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 XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/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 explanation