milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On  X/XX/2017    at  XXXX   XXXX  I went t o the drive up of Wells Fargo Ba nk to deposit a check, and cash  XXXX  additional checks. I have banked at this same bank and branch for years, have  XXXX  accounts and a safe deposit box. I presented a photo drivers license and my AT M Wells Fargo c ard. I was told by the teller and the head teller id #  XXXX   XXXX  and  XXXX   XXXX  that my ATM card could not be used as an ID because it did not have a VISA LOGO on it. I was asked to present a VISA CARD for the transaction to be completed or did I want my checks back, or come into the branch to apply for a  WELLS FARGO VISA C ARD. As this upset me first because I can not walk at times, and secondly did not understand why t he Wells Fargo A TM card was not for ID.     I have watch ed the Senate hearings about Wells Fargo tryin g to push their products, know the CEO was fired for their marketing abuses, and I know my rights as a customer. I have never received a disclosure fr om Wells Fargo adver tising the use of the ATM card not being accepted as an ID. When I asked the banking reps the reasons for the ATM card not being accepted, no one could give me an answer.     I gave my  XXXX  VISA CARD in order to complete the transaction. I want to know what the teller did with my card, did she photograph it, make a paper copy of it, write it on the back of the checks, no one could give me an answer. I asked to see the bank policy in writing again, there is no follow up or answer.     The  Wells Fargo store nu mber is  XXXX ,  XXXX   XXXX   XXXX   XXXX   ,   XXXX  , NJ  XXXX  I wrote a {$500.00}. check on my checking account, cashing a NJ Treas check for {$110.00} and deposited a company check for {$6700.00}. There are liquid funds in the  XXXX  accounts to cover these checks. transaction number  XXXX  teller  XXXX , transaction  XXXX  teller  XXXX .     Subsequently I executed a presidential complaint, received three calls from various supervisors who stated they would send me the bank policy, and no one has gotten back to me about my  XXXX  VISA CARD account number where was it dispersed, what is the teller training regarding a competitors credit card, and no apology in a letter from the bank. I want to be added to the class action suit that the bank is currently experiencing for refusing to conduct my transaction without  a WELLS FARGO VISA CARD.

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 07/30/2015 about Debt collection (Medical) with Penn Credit Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called here XXXX XXXX minutes apart from each other.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (FHA mortgage) with FAMILY FIRST FUNDING LLC (NJ).
Issue: Closing on a mortgage

Complaint: During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I am an unemployed mother who owns a condo rental property. The condo was involved in a fire that originated in an above unit and was destroyed as a result. Unfortunately I lost my renter and am unable to pay my mortgage. The property has depreciated considerably from the time I purchased it. The unit is down to the studs now and is worth even less. When I contacted Wells Fargo to negotiate a reasonable short payment I was denied by the legal department. I feel like I am being taken advantage of by Wells Fargo Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

EQUIFAX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX  ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  (XX/XX/XXXX 5. XXXX  ( XX/XX/XXXX).

Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I file bankruptcy this was included

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX   XXXX , I discovered a collection account at   XXXX   and  XXXX . The original date of the account was  XXXX   XXXX   XXXX .   I have NEVER received any communication from the collection agen cy, State Collection Service, that they had a collection account open for a bill  I owed.   Instead of notifying me about the collection account, so that I could pay the bill in collections in a timely fashion, then after taking no action to contact me regarding the collection account for  FOUR  months, they reported the account to the credit bureaus Now that the collection account is shown on my credit reports, it will hurt my credit rating and will stay on my credit record for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Signed up with XXXX to check my credit situation. Recently learned I am a victim of Identity theft. My phone began to ring continuously the following day to the point of complete harassment. 
I can not dispute the bill on XXXX for some reason. I would like proof of the validity of this bill. Midland funding company seems to operate on the premise of bullying tactics not facts. I would appreciate any information that can be obtained such as mailing address, Purchases made etc. so that I can proceed with criminal charges to be made against those involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.

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 07-03-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am an Authorized User on a Credit Card account. I have been in contact with my creditors furnishing this account to all XXXX credit bureaus. All except Transunion is not reporting this specific account on my Transunion credit report as well as not reporting on my Account Holder 's Transunion credit report. This account was supposed to be reporting from 2015 and we did not take notice of this unreporting until recent months when our credit scores were significantly lower than other credit bureau 's and compared what accounts were reporting and not reporting. Twice I have contacted Transunion and twice I came in contact with XXXX Transunion. Despite my informing him that the creditors have been reporting to Transunion, he continues to disagree and tell me that the creditors are n't reporting it and they need to contact Marketing Department directly. I said " Yes my creditors have in fact been in direct contact and I have documentation to show '' and he questions me. I requested today to speak with a Supervisor who tells me same thing as XXXX to have creditors contact Transunion directly. She said her name is XXXX XXXX. I told her I have documentation that Transunion is being contacted directly by my creditors and since she specifies Marketing Department handles the reporting I want the contact info and contact person to address this issue. She replies " I do n't have that information. '' I asked to speak to her Supervisor and she replies " I am the Supervisor. '' Funny how they are scripted to say this and how are we to know if such department exists, and if this department is even the one that updates credit reports. 
My complaint is they need to start reporting information, stop lying to consumers, and work faster to get matters resolved. This is months of good data going unreported!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a public records on my credit report with Equifax stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted Equifax and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. Equifax continues to report false information. 
I 've also contacted the organization that Equifax claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent Equifax along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (OH).
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 previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus. 

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of Lexis Nexis and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (I do not know) with Elite Financial Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recent pulled my credit report and noticed an account listed that I do n't recall signing any contracts with and by me having a common name I   XXXX   my name in my area and noticed several people with the same name as myself. After disputing with credit bureau and they claim to have verified but send me no supporting documents as in a copy of a contract of some sort bearing my signature.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax was hacked, and according to their website, my data may have been compromised. I 've tried calling them ( today, on X/X/2017 ), but have been unable to get through. They 've signed me up for a slot to apply for their one-year credit protection, but the hackers have data that could affect me for the rest of my life. One year is not long enough. Additionally, they discovered this hack in XX/XX/XXXX, and I 'm only hearing about it now in XX/XX/XXXX. This is all unacceptable, and this company needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We recently sold our house on XXXX XXXX and OCWEN is the mortgage servicer. Complete payoff was sent on XXXX XXXX to OCWEN. We had to file a complaint with the CFPB just to force OCWEN to process the payment and show that our loan was paid in full. Now, OCWEN is holding {$340.00} of overpayment in a " suspense '' balance. They have had this money since XXXX XXXX and have paid us an escrow refund but not the suspense money owed to us. They also received a refund of our property taxes of {$600.00} paid on XXXX XXXX. That money has not been returned to us. OCWEN has now had the " suspense '' money for over XXXX month and the property tax refund for at least XXXX weeks. On a payment reconciliation report OCWEN provided to us through another CFPB complaint, dated XXXX XXXX, OCWEN did not even show receipt of the property tax refund. Once again, OCWEN is sitting on money owed to us - effectively stealing our money and earning interest on our money. With today 's technology there is no reason a mortgage cant be paid in full with all suspense moneys and refund monies being paid back within XXXX weeks. Our last complaint through CFPB ended with OCWEN admitting they had a system error. Is this another system error, or another way to earn interest on monies owed to consumers?

Company response to consumer: Closed
Consumer complaint received 09/18/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Unsolicited issuance of credit card

Complaint: This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.

Company response to consumer: Closed with explanation