milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested many times before Experian to investigate Fraudulent claims, Re-aged, deleted items in my Credit Report, but Experian refused to do it using excuses such as, " my info do n't match '' " i have to prove the accuracy of my personal info '' ; ( XXXX & XXXX never used similar excuses and completed the investigations i requested them to do ). Experian refused even to mail me my Annual Free Credit Report using similar excuses, but they were willing to mail me or download my Credit Report for a fee of {$7.00}. As if is n't enough that Experian reports wrong items in XXXX % of Consumer 's Credit Reports, it seems that Experian do n't obey CRA 's Laws, plus maximizing their profits by reporting Fictitious Negative items which are sold to many Companies for a high fee ( positive items make XXXX money ), and acting as XXXX. FTC & CFPB never took any action against Experian or any Credit Agency who create many problems to consumers ; Are they perfect? Maybe that 's why they 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 05/27/2015 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I closed my bank account at PNC branch in XXXX and was told that there was a pending transaction left that I could not close my account. The following day XXXX XXXX 2015 I was told the transaction was reversed and the account was closed. On XXXX XXXX I received a letter dated XXXX XXXX stating that my account which was closed was overdrawn. I called PNC was on hold for over an hour and transferred XXXX XXXX different people saying that PNC had reopened the account for some unknown reason. I was told that I preauthorized the transaction which I did not, was told that it was a reoccurring charge which it was not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.

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 07-09-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit inquires were made without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/XXXX/2018 - XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX, XXXX has sent harassing phone calls to XXXX requesting a debt that I do not owe. I do not know where they got my phone number, but they a determined to collect a debt at this phone number. I have called this " outfit '' several times only to receive their automated system that does not allow one to speak to a person. 
Please inform this " outfit '' to discontinue these harassing phone calls that have been constantly ongoing for over two month or a law suit will be filed for invasion of privacy. Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen and someone use my information to opened number of account 's in my name it's causing me too much stress with my wife XXXX, XXXX. 
Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated - Credit Limit - Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX, IL XXXX Ownership Individual Original Creditor XXXX XXXX XXXX XXXXompany Sold-to - Original Amount {$1500.00} Comments - DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated - Credit Limit - Past Due Amount {$180.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$180.00} XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated - Credit Limit - Past Due Amount {$900.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$900.00} Comments -

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 07/25/2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.

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 05/28/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MO).
Issue: Problems when you are unable to pay

Complaint: I receive XXXX calls per day from my financier when I am even XXXX day late on my payment. I answer the phone and tell the company that I am at work and they insist that I explain the situation causing me to be XXXX day late on my payment. If I explain they call back the very next day and demand I explain the situation again. I have asked that they not call so many times per day because it interrupts my work and they make statements saying it is not important when they call or how many times they call but what is important is that I make my payment. I have never made a payment more than 30 days late and I have been with this company for 16 months. They have offered me payment arrangements which I have accepted but the day after the payment arrangement is made and after I inform them of when I will be able to become current on my account they resume the harrassing phone calls. XXXX of the CSRs made a disrespectful statement about me having to accept the terms of the payment arrangement. He said " Well you only paid {$50.00} dollars '', which was the amount they offered for me to pay to become current on my payment. They begin calling at XXXX XXXX every weekday and saturday and even called XXXX times on XXXX XXXX. They stop calling at XXXX XXXX each day. They very seldom leave voicemail messages but when I call XXXX of the XXXX phone numbers they regularly call from it is this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We are trying to short sell our property. We had a buyer approved and set to close XX/XX/2016 at {$230000.00}. That buyer could not sell his home. We have another offer and Caliber is telling us that their investor will not accept? Thye appraised it XX/XX/XXXX at {$230.00}!!!! This was their own appraisal!?

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I opened an personal checking account, the account was open for only three days before it was suspiciously closed. The bank did not assure my account 's safety or follow customer service protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a verbal agreement with Portfolio Recovery Associates in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my first payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my first payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my first payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased cruise tickets via phone with XXXX XXXX via XXXX XXXX. I told the employee on a recorded line that one name was incorrect, and that I would confirm the correct name the following week. She informed me that this was fine, and no name-change fee would be applied since booking the tickets was time sensitive. This occurred on XX/XX/XXXX. 
A name change fee was charged on XX/XX/XXXX in the amount of {$150.00}. I disputed this with Chase on XX/XX/XXXX. I also informed Chase that there was a recorded phone call of the representative informing me that no name change fee would be charged. Chase declined my dispute, specifying that they would not review the phone call I requested they review. They also informed me that if I wanted them to review the phone call, I would need to reopen the case through an enormous amount of paperwork. The paperwork was sent to my home address despite my informing them that I was at University, and they have otherwise been insistent on not making the process any more possible for me to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Delinquent account

Complaint: I lost my job while I was in college and stopped paying on my Wells Fargo Credit Card. Once I found a stable job I called them to set up a payment arrangement that would end in the derogatory account being deleted from my credit report. I did this same process with another company that also agreed to delete the account but didnt. So, I set up this payment arrangement and paid for 6 months, Fast forward 4 months to now, they have acknowledged that I owe no more money on this debt, however it is still reflected on my Credit Report. It is super frustrating that months later after they took my money that they have drug their feet on rectifying the situation on my end. I am very unhappy since it was me who initiated this agreement only for it to not be honored on their end.

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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contact Experian to dispute a few items listed on my credit file. My address was not listed, my name was incorrect, collections and an account that should have been removed or in the process of removal.

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 Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: I have asked my relationship manager,  XXXX   XXXX , by phone and email if our loan can be non-escrowed and have not received a response. He has not responded to my email regarding this issue dated  XXXX / XXXX /  XXXX  . I have tried calling  Ocwen  customer support and  Ocwen  's Ombudsman office, but no  one  other than the relationship  manager  is allowed to speak to me regarding my account and he does n't respond to my requests.  Ocwen  's legal law firm,  XXXX   XXXX , responds to my complaints, but does not address all of the issues raised in the complaint. I sent an email to their legal counsel on  XXXX   XXXX  addressing the concerns that were not addressed in my last complaint. As of  XXXX   XXXX , he has not responded to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing , LLC, located in XXXX, Florida refuses to comply with the Federal requirement to terminate my PMI insurance at the 78 % LTV.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Credit determination

Complaint: I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Bank of America for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Bank of America closed my account which affects my Credit Rating.  This is just wrong as it helps Bank of America and hurts the customer.  When Bank of America  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I HAVE SENT  XXXX XXXX SEVERAL CERTIFIED LETTERS. THE LAST ONE I SENT WHICH WAS X/XX/17(2  MOTHS AGO) I SPECIFICALLY STATED TO PROVIDE ME WITH THE RECORDS AND DOCUMENTATION THEY USED TO VERIFY THE NEGATIVE AND BOGUS INFORMATION AS ACCURATE UNDER THE DISPUTE MADE WITH THE CREDIT BUREAUS. I ALSO WENT INTO THE BRANCH WHERE OBTAINED THE LOAN AND THEY DIDNT HAVE ANY RECORDS/STATEMENTS TO GIVE ME!!!! I NEEDED TO SEE MY CONTRACT FOR THE TERMS AND CONDITION,LENGTH OF THE LOAN ETC ALSO MY PAY HISTORY BUT OF COURSE NEITHER HEADQUARTERS OR BRANCH COULDNT PROVIDE ME ANYTHING BUT STILL REPORTING FALSE INFO TO THESE CREDIT BUREAUS WHICH IS HURTING ME MENTALLY, PHYISCALLY AND FINANCIALLY!!!
I HAVE ATTACHED THE CREDIT REPORT FROM XXXX AND XXXX. XXXX XXXX STATED THAT MY REMAINING BALANCE IS $XXXX. IF I PAID $XXXX ON TIME FOR XXXX & XXXX THE BALANCE IS ABOUT $XXXX. I NEED THIS ACCOUNT INVESTIGATED ALONG WITH MY CONTRACT, PAY HISTORY AND TERMS ASAP!!!! PLEASE DO NOT SEND ME ANY FALSE INFORMATION!!!
THIS IS THE LAST TIME I WILL BE ASKING TO HAVE THIS ACCOUNT REMOVE
FROM ALL 3 CREDIT BUREAUS . MY NEXT STEP IS SUING ACCORDING TO FCRA!!!!

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016

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