milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I went to XXXX XXXX to get an XXXX inspection for a XX/XX/XXXX Mercury Grand XXXX and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to 100 mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX XXXX saying that my egr valve and spark plugs needed to be replaced which I had repaired in XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it. XXXX XXXX said that they had a dealer tag and would drive the 100 miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make {$680.00} I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket {$190.00} without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back. The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XXXX and a brochure from XXXX XXXX stating state law. I gave them a letter from XXXX a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged {$110.00} to reset automobile computers on their machine. Now my checking account is in collection with Wells Fargo who says I need a XXXX opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XXXX XXXX and paid for it XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was breached in the Equifax hack of XX/XX/XXXX. I first became aware of the problem near the beginning of XX/XX/XXXX. Equifax apparently had insufficient data protection safeguards in place and as a result my personal credit information along with approximately 143 million other Americans ' credit histories have been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I originally had my purse stolen in XX/XX/XXXX ( I have the police report - Please advise if I need to provide a copy of ). My ATM as well as my Credit Card with US Bank was stolen. I called and asked to have my secured card cancelled. I paid the account in full shortly after this and did not use the card again. I asked them not to send me a new card. There was no balance and they were not sending me another card. I did not think about the account again In XX/XX/XXXX, I discovered that I'd been reported as past due for the secured card as well as there were late fees that had been added to a XXXX balance account. When I called to speak with the Collections Department, they waived all of the late fees and informed me that there was a small balance that was left on the account from XX/XX/XXXX that I had not paid. Being that I had not been notified of this additional balance, nor was I being notified that there were late fees accruing on the account, US Bank agreed to waive all of the fees and allowed me to pay the remaining balance in full. 

I was assured that an update would be submitted for the incorrect negative reporting of my account, the balance would be updated to zero. They confirmed for me that the account was now closed and could not be reopened. I was also advised that I would receive my security deposit back within XXXX weeks. 

Now I reached out them in XX/XX/XXXX. The original representative advised that my Security Deposit had been transferred over to another account that I have with them. Then after further review the came back to advise that he did not see another account for me. After being placed on hold for over XXXX minutes, I was transferred over to a XXXX XXXX who advises that my account is not closed that it is permanently restricted. She is not advising me that I now need to write in to ask them to refund my funds and to wait XXXX weeks for my money back. 

I feel as though US Bank has lied to me regarding my funds. I have done what has been asked of me. They closed my account in error, reported me as past due in error and they are refusing to refund my security deposit.

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 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am attempting to have a tax lien removed from my Transunion account. 
I was given a fax number to fax pertinent documents. After multiple attempts to fax said information, they only received XXXX pages. They will not allow scanning or e-mailing of data. They claim it 's not " secure ''. Their fax number is constantly busy and I 'm unable to get through. I have tried repeatedly all to no avail. I find it incredible that in 2016, this company is still using outdated fax technology. Please someone do something about this. They only apologize and repeat the same answers ... .we only accept faxes. Amazingly stone age technology still used.

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 01/31/2018 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I have XXXX accounts with Paypal. XXXX of which had a negative balance as a result of a disputed transaction unrelated to PayPal directly. PayPal deducted funds from the account with a positive balance to satisfy the account with the negative balance. I have no issue with this. 
However, PayPal has refused to lift the hold on my account with the positive balance, only sending me canned responses to my demand that they lift the hold on my account. They are preventing me from accessing my funds. They keep asking I call them, however, I advised them that I do not wish to speak with them on the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with FACTUAL DATA CORP. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Bankruptcy ( Chapter XXXX Docket # XXXX on XXXX/XXXX/2010. 
It is reporting that XXXX acct # XXXX XXXX Mortgage with a balance of {$120000.00} was included. This is not the case. We had a mortgage with XXXX XXXX XXXX at the time of Bankruptcy in which we kept and sold at a later date. I need to see about getting this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been a great customer with Wells Fargo Home Mortgage since 2002 and we had a family tragedy which cost us XXXX in expenses and counseling. Wells Fargo mistakenly pays my property taxes and then apologizes over and over but has taken my payment to {$820.00} a month for 8 years now!!! I pay my own taxes and they know it. During this tragedy we were not able to follow all the ridiculous notices that they did it again and subsequently was paying the same amount but they had raised the monthly payment to make up for their error and when my payments came in they were not applied to my monthly mortgage they were eaten up by fees and additional charges. This made it appear I was not paying and now they have foreclosed on my house with a lot of equity. I mean what evil people would do this during our nightmare. My wife, a XXXX of 22 years had to resign her job because of grief and we are struggling with kids in college etc. They offer to help but switch me all over and never respond to calls. We reported to another agency and suddenly they wanted to help but have been dragging their feet and continue to bombard us with foreclosure documents and filings. They always claim I did n't send something and wait days before responding to stall so they can steal our home. I need this to stop ... .it continues to make my wife even more sick I am supposedly working with a XXXX XXXX who 's answering machine always has the wrong date and never responds by email and by phone week later

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 07-12-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: To whom i t may con cern, On  XXXX   XXXX ,  2017  I opened a core checking account with Bank of America. My account was in good status and I made several qualified deposits to my account from m y   XXXX   XXXX    account as well as  XXXX   XXXX  account. I was also received my Bank of America debit card on  XXXX   XXXX . I did not realize that BOA closed my account until when I attempted to activate my card. I made several phone calls to figure out what happened the BOA staff simply told me that they do not have any obligation to disclose the reason. The bank just simply closed my checking account and I will not be qualified for applying for any BOA accounts in the future.   I have good relations with all other banks and am in excellent credit status. Also I am not involved in any negative financial activities in any forms. Therefore I need to know why exactly Bank of America treats an honest and responsible customer like this. Many thanks.

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 01/24/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My American Express Bluebird card had prepaid balance of XXXX. I asked them to transfer the money to my bank account on XX/XX/XXXX. As of XX/XX/XXXX, they have still have not transferred the funds. I have done this in the past and it usually takes 1 or 2 days. I have made numerous calls to customer service, only to be told they are having technical issues and it will be resolved tomorrow. As of XX/XX/XXXX I was told it would be the XX/XX/XXXX at the earliest. I asked them if they would just credit the money back to the card to be told they can not do that. Finally I asked to be sent to customer service in the United States, they told me they can not do that and then put me on hold to be left there for 2 hours with no one answering the call. I then called back to a different customer service rep to go through the whole situation again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.

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 06-12-2017 about Vehicle loan or lease (Lease) with MERCEDES BENZ FINANCIAL SERVICES (NY).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On  XXXX   XXXX ,   XXXX  , I tried to add a " co-lessee '' named  XXXX   XXXX  to my loan and the  Mercedez-Benz Financial Services  denied such an opportunity. I was told that my co-lessee does not have a long enough credit history to obtain such loan. I think this is a non-sense. The bank should be very interested in adding a co-leaser because a co-lessee means is a secondary person. If  XXXX  forbid I default my co-lessee would be a secondary person who Bank could recover money from. With that being said, I will  ask Consumer Protection Agency t o intervene and ask why there are such discriminatory practices against a " co-lessee '' because the Bank has nothing to lose. I want the Bank to add co-lessee, or I will have no choice, but I will return the car back to dealer and I will dispute the charges assessed through the New  York City Civil c ourt.   Additionally, my potential co-lessee is a sucessful business, who had businesses in  XXXX  and  XXXX .It 's a shame tha t Maercedes-Benz denies h im to be a co-lessee.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax incorrectly reports XXXX of my revolving lines of credit as being 'open ', despite the fact that it was written off for profit/loss years ago. This results in a 99 % utilization rate of my 'available credit '. Of course, if this information was correct, I 'd be able to go use this card and charge the remaining {$150.00} to reach 100 % utilization. Obviously the card is not 'open ' -- it is closed, with an unpaid balance. Hence, there is no " utilization '' factor. There is simply an unpaid debt. 

I have disputed this at least twice, resulting in no changes both times. The errant 'unknowns ' for payment history were not even changed to 'CO '. 

I attached the Equifax & XXXX credit report & you can note the differences.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account is reporting negatively on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My workplace just got served a set of " legal '' Civil Division papers a day ago for some debt that I supposedly owe in the amount of over {$3000.00}. I had my Identy stolen over 15+yes ago at a local shopping mall. I reported all the cards stolen within a matter of an hour after I noticed it gone. That was XXXX. Here it is XXXX and my employer has got legal paper to garnish my wages for some debt I do not owe. I do not and have not had any credit card accounts since XXXX and the only asserts I own are my car and XXXX bank account that I have had over 20+yes with the same bank. The papers my employer received were a labeled LVNV FUNDING LLC ( plaintiff ) I have not received anything in the mail about this at all and again I have no Credit or Owe? 
I am a single mom with XXXX kids and trying to make ends meet is a challenge every week and now these people are trying to garnish my wages on something I do n't owe? How is this legal or possible?

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Credit Karma, Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address on my report. I have no idea who 's it is I have never lived there and do n't know anyone who could live at this address. It is XXXX XXXX XXXX XXXX co XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I Sent portfolio recovery a letter on XXXX XXXX,2017 requesting that they validate The debt of {$420.00} they say I owe them. I never had an account with profolio recovery and the social security number portfolio recovery had on the account was n't mines and I want them to remove the collections off all XXXX credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and someone stole my personal information and opened up the following credit card accounts unauthorized and fraudulently in my name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, The accounts are fraudulent and do n't belong to me. I never ever applied for the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection company XXXX is reporting XXXX accounts under collection that are zombie debts. XXXX created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: I have 40 years of a perfect credit history. I have leased and financed cars for 25 years and I have never had such a horrible and dishonest experience as recently had with US bank. I obtained a 3 year auto lease from US bank in 2013. Upon turn in of the vehicle I was assessed a {$3500.00} excess wear and tear fee. The fee was assessed after some 'independent ' inspector mailed me XXXX grainy black and white photos of a vehicle. I am still not certain the photos were even the vehicle I turned in. XXXX of the major items was that the inspector noted that the tire tread was low. However, the tires were XXXX brand new XXXX with less than XXXX miles on them. The tires were a far more durable and long lasting version than the original tires that came with the vehicle. The 'inspector ' also noted the engine was in 'fair ' condition even though the vehicle was regularly serviced at the dealership and under the program they recommended. The car was 'babied ' and taken care of perfectly. All other inspection items noted were non existent and disputed.

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