milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Fradulant charges on account and tax return used on account putting account at {$0.00} and being assessed fees associated with not having funds. They did n't put the data or the police report bin their system. They want me to file paperwork again. Similar thing happened to me with my credit card from this Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo ( WF ) has about XXXX customers. 

US adult cell phone usage is about XXXX %. 

Therefore, about XXXX WF customers do n't own or use a cell phone. 

Yet, WF has just instituted a security policy that prevents those XXXX customers from accessing their funds in its SurePay payment system. 

WF customers are required to obtain an " advanced access code '' in order to send money via Surepay, to friends, family, or businesses. The only way to get a code is to request and receive a text message on a cell phone. There is no other way to get a code. This new measure was put in place with no notice. 

I spent 2 hours on the phone today discussing my frustration with this new obstacle ( my cellphone has no service in my rural Colorado area, so I can not get a code ) with WF customer service, escalation, and corporate staff. In a nutshell, their response was " we do n't care, we are not going to make any changes ''. I expected them to offer alternatives, of which there are clearly many, but no, just more of " this is how we do it, if you do n't like it, go somewhere else, because we just do n't care ''. 

I do n't think WF should be allowed to deny me access to my money, and the ability to transfer it to others of my choice, in this manner.

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 10/28/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation letter to this company on XXXX because I 've never received any communication prior to them listed this account on my credit report. As of today they verified this account with all three bureaus but still no communication or proof of this debt. There 's a few pieces of information that is. It matchkng up even beteeem the XXXX bureaus the information does n't match nor does the amount they are trying to collect on. I am being the responsible one here and this company is not cooperating. I have proof of my certified letters as well. This accountn eds tone deleted as soon as possible based on a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: An overdraft fee of {$36.00} charge though the balance showed was in positive. Also bank is charging $  XXXX  monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I made a car rental reservation on XXXX/XXXX/15 with XXXX XXXX for an upcoming trip on XX/XX/XXXX-XX/XX/XXXX. I paid {$210.00} for the rental. Today I received an Ad from XXXX advertising the same product for the same time period for {$150.00}. I called XXXX XXXX and asked them to please refund the difference. Needless to say I received a run around. I contacted my Credit Card Company to explain the situation and that I would like to use their " City Price Rewind '' benefit. Citi told me that the benefit does n't apply to Car Rentals. My question is why is this purchase any different than any other purchase? It seems to me if a company offers a lower price on an unused product, they should honor their new advertised price.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I DO NOT OWE DEBPT WITH BANK OF AMERICA. I NEVER REQUEST AND/OR OWN ANY LOAN WITH BANK. THUS I NEVER GOT APPROVED FOR LOAN FURTHER, ICLAIM I LOST MONEY AS RESULT OF BANK OF AMERICA TRYING TO DEFRAUD ME

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 02/24/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Was double billed by XXXX for XXXX when I ask to see results of the XXXX was ignored eventually the sent it to collection agency that also ignored repeated requests to see results from this test to prove it was a different XXXX not double billed ignored and place on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Private student loan debt) with Asset Recovery Solutions, LLC (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them onXX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX
At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: my credit report lists a lien, concerning which I have no knowledge. 
I was not aware this was on my report until I recently checked updated credit reports from allXXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I need the assistance of the Consumer Financial Protection Bureau with the issue that I am facing. For the past couple of months, dozens of inquiries have been added to my credit report that I have NOT authorized. A scam company called " XXXX XXXX XXXX XXXX '' has been using my personal information and sending it out to several outside sources to pull my credit. I have not signed any documents or applications to cause more than 100 inquiries to be made on my XXXX report. They initially sold me on the promise of helping me start a business but nothing ever became of that. I requested a Cease and Desist months ago and contacted them again this past XX/XX/XXXX but that has not stopped them from sending my information out and causing more unauthorized inquiries to be made on my credit. The person who was in charge of my account at XXXX XXXX XXXX was called XXXX XXXX. I am including a copy of the email I sent to his company requesting a Cease and Desist. I  have discovered that they are still causing more inquiries to be made with other companies I have not requested to work with. I am considering taking them to court and suing them but I also need XXXX to delete ALL unauthorized inquiries. I also will need a fraud alert to be added to my credit as my information has been compromised by this scam company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan with Greenlight Loans, a division of Nationstar Mortgage, and was funded with a new loan with NationStar on XXXX XXXX. The old loan account on Nationstar 's website was not flagged at all. Not flagged means the account can accept any kind of future payment or changes. On XXXX XXXX, I received an email from Nationstar that my Auto-pay for the old loan was being paid. I immediately emailed them that the old loan was fully paid and yet, on XXXX XXXX, the money was taken out of my bank account. I emailed them again and received a generic response, basically saying, sorry for the inconvenience, but we have your money for the next 30 days ... interest free. I finally called them and a customer representative told me in 18 days after the funding date ( XXXX XXXX ), that I 'll receive my refund check. That day has come and gone! 

The whole problem is that Nationstar is setup to capitalize on human errors. For example, if a consumer mistakenly writes a check with the old loan number or use an old loan stub ... that check is credit to the old account and wo n't get it back for 30 days. In the meantime, a consumer will not know their mistake until they received a delinquent notice on their new loan. Delinquent charges and possible payment processing fee kicks in after 9 days of the Due Date. All they need to do is to play dumb, drag their feet, and the longer it takes to resolve a mistake will result in collecting more fees or free use of customers ' money. 

NationStar 's website needs to have accurate information about the status of the old loan account. This old account should be flagged with notation that the loan is paid, closed and inactive, show any credit balance and a refund date ... none of this unpaid balance owing and your next payment is due on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Medical) with AmeriCollect (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XXXX XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XXXX Upon reviewing I noticed I have XXXX XXXXnquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent Experian letters about two different accounts on my credit report. Requesting to verification of proof that I established. They never produced any original signed documents on XXXX nor XXXX XXXX These are unverified accounts. I do not own nether of the accounts

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX bank and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XX/XX/2012 and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is five years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over five years on my file that is incorrect. I have disputed the record and it was not taken off.

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 12-04-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I am writing to dispute a billing error in the amount of {$2600.00} from Citi Credit Card that appeared on my credit report ( XXXX ). The amount must be mistake because I called the Citi representative to find out about this charge, but they were not able to find any account information under my name or social security number. This could possibly be a fraud and has caused damage to my credit. My family we 're trying to get a loan to buy a house and not able to because of this. I tried calling Citi Bank and Citi Credit Card, they provided me fax numbers to send in my disputes but both numbers do not work. They said only fax and no email for the disputes. I am unable to get through them. This is why I come here to your site for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: our landlord ( XXXX XXXX ) ended our lease XX/XX/2016 with notice To vacate by the end of the month. XXXX lease owed XXXX minus security deposit XXXX will waiting for the final bill they fill a eviction process for non payment of bill, this time, at the court even though we vacated as demanded earlier. the case was dismissed and received a final bill of {$900.00}. this amount was over estimated by more than {$220.00} court fee ( the maximum by law is 10 % of monthly rent ) {$150.00} wich was the promotion given to us for the first month of rent. we are two cosigner of the lease and tried over 1 year to correct the and pay. but the refuse to listen, knowing that it will cost us more than the amount they claimed to fill a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation