milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I was prompted to open a new savings account with Wells Fargo based on a targeted message/advertisement I received in my online log in at the Wells Fargo website. 

I opened the account, met the deposit requirements ( minimum funds + recurring transfers ) and have not received my bonus. 

I inquired online with Wells Fargo and was told to go in branch. In-branch they were unable to assist me as they said they could not help on online promotions. Therefore, I am reaching out in an attempt to get someone who can resolve this issue. 

I would like for Wells Fargo to honor the {$25.00} bonus they promised me for expanding my relationship with them ( see attached screenshot I took of the online offer ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had a Credit Line opened with Chase, I had not been late on my Credit card before, I had a Separation and attempting to make my payments. As soon as the first payment was not made, Chase closed my Online access and was not able to continue to make payments. I called numerous times and discuss with CHASE how do you want me to make payments if I do not have access to the account I have establish online? So, time has passed now and the Account has been sold. Chase has violated access to the account to see where payment is being applied to. I have other credit cards that I have and continued to make my payments even thru my hardship. I need help, regarding the Laws to protect consumers from Big Banks cutting access to the account to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX/Nationstar since XX/XX/XXXX. The checks clearly show the payment made, cashed date by XXXX/Nationstar where they used XXXX XXXX XXXX. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX/Nationstar since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a lien from State of California for {$1800.00}. It was dismissed. I have written to Equifax many times, and tried calling them, but they will not remove this information from my report nor have they included the updated status. It almost cost me my job. 
No one at Equifax will respond.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Our house was badly damaged by Hurricane XXXX almost four months ago. We have filed insurance claims for both wind and flood damage. Our major claim for flood damage was finally approved and we received a check made out to my wife and me, Wells Fargo, our primary mortgage holder, and XXXX where we have an equity line. We were very excited to receive the check so we could get our house repaired. Most contractors here want 50 % payment in advance. When I brought the endorsed check to our local Wells fargo bank, I was told that the manager would not endorse the check. We had to send it to the wells fargo Loss Protection Group and they would distribute the funds to us as the work was completed. That was the first we heard of anything like that. We filled out several forms and uploaded documents to file our claim for reimbursement. We were told that we had to have XXXX single contract for all of the work required. I said that we would like to save some money by doing some work ourselves and using multiple sub contractors. I believe that a form has been filed to allow this, but have not received any decision. I have talked with XXXX people at Wells Fargo Loss Protection and i have their names. XXXX was a supervisor who was very pleasant and helpful. She said she would call us the next day ( which was early this week ) with some answers. I have left several messages for her and received no response. 
We are living in the upstairs bedroom of our house. We just had our main contractor install insulation and drywall so the house is sealed up. The first floor is bare concrete since nearly all the flooring was removed due the the flood. It is very difficult to live with no plumbing in the kitchen and there is dust everywhere from the drywall work. Since the major damage was from flooding, there is no relocation allowance so we have no alternative but camping out in our house. 
We would like to get the restrictions removed from the insurance reimbursement check so that we can pay our contractor for the work already done and get the rest of the repairs scheduled.

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 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

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 04/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nelnet applied a forbearance on XXXX of my student loan accounts in XXXX 2014, yet reports me as 90 days late in XXXX 2014 to all XXXX major Credit Reporting Agencies. I have repeatedly disputed these XXXX accounts with Nelnet, each time to no avail. 

Furthermore, Nelnet does not report *positive* payment history during the past seven years, thus lowering my overall credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Consumer Loan (Title loan) with TMX Finance LLC (GA).
Issue: Can't contact lender

Complaint: This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. 
They also refuse to come get the car even though it is too late. Please help! Thank you! 

Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information on credit bureaus please correct violation of my rights hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Transaction issue

Complaint: rec e mail my pymt was return from the bank, my cr union said that capt one never took the money out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit line increase/decrease

Complaint: I have been an American Express client and credit card holder for over 30 years. 

In the past year a promotion was offered a separate Am Ex Gold card for my work. I am an XXXX and also have other work and private areas. The am ex offers an online chat line when you log in and identify your account and then they no longer offer any ability to receive a copy of the chat or even to receive a link or even to copy and paste the chat so they see and promise things that you can not even hold them to. 

For example, my credit line was reduced from XXXX to XXXX when they issued a XXXX card and it was for my work and not for me and despite promises to raise it the line of credit dept in XXXX is rude and often saying peculiar things and the XXXX gold card i cancelled and I was told they would raise the line of credit.. 
the customer service of am ex is terrible and usually you are sent to XXXX and can not even reach a direct line to the us I have tried on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with Budget Control Services, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Years ago I was never informed of the debt and I have no contract with budget control for {$160.00} and want it removed immediately from my credit report Thx for getting this bad damage to me fixed in advance XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Synchrony Bank, acting for JCPenney, claims I have an unpaid credit card debt in the amount of {$47.00} from XXXX XXXX, XXXX - that is NOT a typo, it is nearly 14 years ago. 

Over ten years ago I filed for personal bankruptcy ( XXXX XXXX, PA ) ; I believed all outstanding debts were discharged and all credit accounts were closed. 

In XXXX XXXX ( last year ) Synchrony wanted to collect {$360.00} on that old debt. I emailed and said I did not owe it ; I called and spoke to them, saying there had been an error. I heard nothing further from them until last week. They write that they made " attempts '' to collect this amount, sending additional statements with its accruing fees, that in XXXX XXXX they wrote off the new total of {$540.00} " as a loss due to non-receipt of payment. '' Subsequently, they have reported me to Transunion ( and possibly other credit bureaus ) for " serious delinquency '' and " too few accounts paid as agreed. '' They have ruined my budding positive credit. 

I dispute the original amount - and I am livid over the usurious fees arbitrarily added to that amount when they failed in their duty to contact me so I could resolve this issue in a timely manner. 

In all honesty I believe them to be a debt-collection agency with some pretentious notion that styling themselves " bank '' will garner more results. I find this appalling. 

And I 'm none too happy that I 'm having to spend hours of my time to address this, especially since I think the chances of the compounded error ever being corrected are small-to-none. 

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 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I Was Waiting For Sec XXXX To Approve My Move The Apt Wanted Me Out They Did Not Take My Rent. So Housing Moved Me Even After They Paid The Rent For That Month But They Did Not Like That So They Filed With Collections. Then They Placed It On My Credit But I Proved Them Wrong They Took It Off Then Placed It Back WHY?

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX XXXX to request proof of validation regarding to account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section XXXX of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: On XXXX XXXX, XXXX, I sent the attached Certified Letter to Transunion. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Transunion is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. 
XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal

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 10/25/2016 about Consumer Loan (Installment loan) with American Credit Acceptance, LLC (TX).
Issue: Managing the loan or lease

Complaint: My car was stolen and the company stated my account would be closed. I had insurance why is this company now reporting I have a charged off account and owe {$16000.00} and I 'm past due. Please help me this is not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Taking out the loan or lease

Complaint: To begin with, prior to entering into a vehicle loan agreement with TDAuto Fiance in conjunction with XXXX, my previous vehicle was stolen during my XXXX in College and at a Part-Time Job ( XXXX per week ). I was in dire need of a vehicle because of the high demand of my day-to-day daily hassle of being a XXXX student. Unknowingly, I was giving a 2010 Ford Fusion that had a history of XXXX accidents, which the bank or TDAuto Finance was unaware of during the time of sale. In other words, in my part without due diligence, I was lead to believe that the loan value uphold the same book value of the vehicle at the time it was purchased. Moreover, in my attempt to travel abroad, I have been unsuccessful in many ways to obtain a new owner because of the validity and lack of integrity of the sale that was made to me. As a result, I have been left to voluntarily surrender the vehicle to auction ; otherwise, repossession, which is a mark that will hinder my credit report negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief