milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an Inquire from XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to Equifax and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to XXXX XXXX XXXX I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian Credit XXXX - I have ordered my credit report online and had it delivered. I think start a dispute online and it will not allow me to do so. Every phone number listed is automated service and no link to customer service to find out why I can not dispute online. This gives me the only option of ordering thru XXXX Postal Service and that would incur another charge. XXXX has done the same. 
This is borderline fraud activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ad  Astra Recovery Service   XXXX   XXXX  2013  Origional Creditor Name  XXXX    XXXX   XXXX   XXXX   XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: HARD INQUIRY __________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM XXXX   AND TRANSUNION _________________________________________________________________ XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM 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
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?

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 08-03-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We had financed a vehicle (   XXXX   XXXX   XXXX  , VIN :   XXXX   ) through ally Financial, and then refinanced through   XXXX   XXXX   XXXX   XXXX  . After the refinance had commenced the loan balance to Ally Financial had been satisfied. However Ally took one final loan payment for {$370.00} after the loan balance had been satisfied. Upon contacting Ally financial, they had acknowledged that the final payment was, in fact, received by them. However they stated that they were unable to assist in the returning of the final payment ( {$370.00} ) and advised to contact the financial institution from which the funds were drawn. The financial institution (   XXXX   XXXX   XXXX   XXXX   ) was unable to reverse the payment as it was authorized at the time it was removed.
At this Juncture Ally Financial still is in possession of the remaining payment {$370.00} and is unwilling and unable to process any sort of refund, by any means. I am requesting that the CFPB contact Ally Financial and that the overpayment be remitted by check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Printed my credit report and noticed i had a bill for a medical debt. Wrote the 3rd party collector and asked them to valida te the debt .They sent a letter with a bill that includes my name and no proof. I have asked them to validate and verify the debt but all they did was send a itemized statement provided by the medical provider. A bill is not validation. It is hearsay. I need them to send me the contract I signed? Where is the full accounting? Where is the contract showing that you have been giving the right to collect on this alleged debt from the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by Wells fargo in XXXX 2015 about bringing my loan current. I had spoke to a counselor or supervisor and was told i made ~ {$1500.00} payment before XXXX XXXX 2015 i would be brought current. I made two separate payment of {$700.00} and was contacted by the same agent asking for another {$140.00} to be brought completely current. i made that payment as well and was advised i am completely current and would need to make regular payments beginning XXXX 2015. I continued making payments but on my bill it showed i was still delinquent and there had been other late charges applied to it. I contacted them several times about this to no avail. Then one time i was told this balance was carried from XXXX 2015. I have asked them repeatedly to listen to the calls from XXXX and XXXX to sort this out but they refuse to do so. instead they have been adding " other charges and fees '' to my bill and have brought the total amount due to over {$2000.00} and have adversely affected my credit.

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 01-12-2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect exchange rate

Complaint: I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was 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
Consumer complaint received 01/29/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Rewards

Complaint: XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: I have submitted a request to experian to remove a report of a   XXXX   XXXX   on my credit report.   I have supplied them with a letter stating it is released.   I gave this same information to   XXXX   and it was removed.   I have requested the correction from Experian twice and no resolution or response.

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 01/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Sallie Mae/ XXXX has contacted family members in my family that live other parts of the country. They then tried to use fear as a way to get me to pay for a fraudulent degree from the XXXX XXXX. The XXXX XXXX degree is worthless. This has affected my family to the point that my kids future is now taken away. I am separating from my family and loosing my kids. QUESTION : Who on earth feels this is UNCONSCIONABLE? 
Since the XXXX XXXX was just sued by the Federal government for XXXX lawsuits that affected they are hovering at XXXX cents a share. Their degree is considered nothing in the workplace. I am sure the CFPB is aware of this ... but what is the federal government really going to do about it? 
XXXX last interesting fact ... I worked for XXXX XXXX as adjunct. They just announced their closure. I am without a job. NO ONE will hire me! Now they are threatening legal issues when I am being separated from my family, losing my job and having no hopes of work or home. Great job Sallie Mae! Offer me XXXX of your really great deals where I get crooked again ... How about that IBR that you never mentioned was available to me!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (OH).
Issue: Taking out the loan or lease

Complaint: I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (MI).
Issue: Deposits and withdrawals

Complaint: Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any warning or reason. There are more than {$8000.00} in my account. They refused to return the money and said they will grab the fund for 6 months without any reasonable ground. 
That means that I can not access my own all legitimate money for 6 months, which causes enormous financial stress and loss. 
I was given no valid reason when calling the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been trying to assume an FHA mortgage from XXXX since XX/XX/XXXX and I am having no result they keep promising to send the document and nothing was sent. 

I need your help in securing the assumption documents by mail, fax or email : Our Names : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Fax : ( XXXX ) XXXX email : XXXXXXXXXXXX Attached please find the authorization form and loan information signed by seller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX is supposed to be deleted from my reports all 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