milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Transunion on XX/XX/XXXX regarding credit inquiries that i never authorized. I froze my credit report do to banks running my credit without any signature or authorization by me. I bought a car back in XX/XX/XXXX and had already been approved by my credit union with a great low interest rate. I clearly told the dealership that i did not want them to pull my credit since i already had a bank to lend me a loan. They said it wouldnt be a problem and that they wouldnt run my credit. Well some how they still were able to add multiple inquiries without my authorization, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). I further remind you that, as in XXXX v. Trans Union XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), Transunion may be liable for their willful non-compliance. I spoke with a supervisor over the phone and told them i wanted the inquiries removed and they said they had to stay on my credit report for 2 years. That is clearly false since we know they have violated the law. I am demanding that Transunion remove the inquiries below : 1. XXXX XXXX, XXXX XXXX, PA XXXX. Pulled on XX/XX/XXXX 2. XXXX, XXXX XXXX, TX XXXX. Pulled on XX/XX/XXXX 3. XXXX XXXX XXXX, XXXX, Tx XXXX. Pulled on XX/XX/XXXX. 
4. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
5. XXXX, XXXX, TX XXXX. Pulled on XX/XX/XXXX. 
6. XXXX, XXXX, PA XXXX. Pulled on XX/XX/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 08/19/2016 about Debt collection (Credit card) with DISCOVER BANK (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is not applying my loan payments to my loan. A representative told me that they changed databases, and therefore changed account numbers on mortgage loans, then did not apply payments to the new account numbers, then charged late fees and started collection calls for the payments that they did not apply. They have not sent me a current month statement. 
I have bank verification that I electronically paid. I have a video recording of the representative from Ditech telling about the database problem, how the Ditech employees could not access any information from XX/XX/2016-XX/XX/2016, no statements were sent out, and telling me I need to submit proof of payment. Also I have a recording from a bank representative from my bank that reported he has taken XXXX or so call in the last two months from Ditech/GreenTree and other mortgage companies with the same issue. 
This mortgage started as a XXXX XXXX, was bought by XXXX XXXX XXXX, then bought by Green Tree, and is now in the hands of Ditech. I am current on my payments on my end ( my bank verified ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I first sent the inquiry removal letter to each credit bureau and called. I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. When I reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission they just keep telling what a inquiry is. Please remove the inquiries on my XXXX report and Experian 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 09/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax maintains that credit report from XXXX XXXX XXXX bank is mine, however, the credit card issued was unsolicited with no signed contract. Equifax was informed the credit card was unsolicited and the bank committed fraud. Equifax did not get a signed contract from XXXX XXXX XXXX bank supporting their claim that the credit card contract was mine. Equifax did not adequately investigate XXXX XXXX XXXX credit reporting. They simply took XXXX XXXX XXXX word of the credit report without any signed contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am co-signed on XXXX student loans on behalf of my son. The loans were for incurred while he was attending XXXX College and XXXX College. The loans in question are owned by Wells Fargo. My wife and I have been making repayment of the loans since my son has not made any repayments and we did not want our credit damaged. We have been steadily increasing our repayment amounts in order to accelerate payoff and reduce interest. In our XXXX XXXX payment statement we noticed that the interest charge for that month was nearly half of the entire amount of interest we had paid in XXXX upon further investigation it became apparent to us that Wells Fargo had intentionally applied our entire monthly payment to only XXXX of the XXXX loans. it had been our practice to pay more than the minimum required payment for a number of years previous. Wells Fargo had been applying payment in excess of the minimum equally to each loan. Wells Fargo arbitrarily changed their practice and applied the entire payment amount submitted to only XXXX of the loans for the entire year of XXXX. We did not receive any written or verbal notification from Wells Fargo regarding a change in how they were applying our payment. This only came to our attention when we noticed the higher than normal interest charge in the XXXX XXXX statement. After multiple calls to Wells Fargo in attempts to resolve this issue I filed a complaint with the CFPB in XXXX of XXXX out of frustration with Wells Fargo 's stonewalling and bullying tactics. As a result of my complaint to the CFPB Wells Fargo agreed to only waive the interest charged due to their incorrect application of our repayments. After numerous fruitless phone conversations with Wells Fargo representatives I accepted their offer. As a result of the CFPB 's recent findings regarding Wells Fargo 's college loan illegal actions as well as Wells Fargo 's most recent illegal actions by their lending employees. I ca n't help but feel that my case should be reopened. 
Because of Wells Fargo 's mishandling of our repayments and their inflexible position regarding our student loan payments and balances. I feel that all of the findings you post on this site regarding your judgements against Wells Fargo apply in our case.

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 07/14/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While reviewing my credit report XXXX 2017 - I have a debt amount {$1500.00} with Pinnancle/Resurgent. I do not owe this and have NO CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Payday loan () with Check City Partnership, LLC (NV).
Issue: Applied for loan/did not receive money

Complaint: I received a loan and paid off the loan. But then they said that I took another loan out. Never received the loan. They been calling me for XXXX days now. But they decided to call my MOM AND TO INFORM HER ABOUT MY LOAN PROBLEM. THEY STATED TO THAT THEY HAVE THE RIGHT TO GIVE ANYBODY MY INFORMATION IF THEY KNOW MY LAST XXXX NUMBERS OF MY SOCIAL.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I submitted a payoff of {$XXXX} to my PayPal credit Card Somehow it was sent to a closed PayPal account. They cashed it on XXXX, and for 3 months I have had to fax front and back of Cashiers check proving that they cashed it. They continued to deny it. Finally an account manager named XXXX ( Wo n't give me last name ) admitted they have had it for over 2 months and should have sent it back since the Synchrony bank account was closed. I waited XXXX weeks and followed up. After going through an hour long discussion the 2nd rep named XXXXy ( female would n't give me her last name or Email address ) stated that yes it was cashed on XXXX and the previous account manager had not processed the refund back to me. The phone number that I had called was XXXX. I called tonight and I 'm back to square one with an assurance that although they other reps have failed to process it properly that she would get it done. I need your help folks please this is so frustrating that they can get away with this. I beg you for some help!

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 06/15/2016 about Prepaid card (General purpose card) with INCOMM HOLDINGS INC. (GA).
Issue: Managing, opening, or closing account

Complaint: I purchased a total of XXXX gift cards with a value of {$490.00} on each card + {$4.00} fee each at XXXX XXXX. The XXXX cards were split between XXXX transactions of XXXX cards each, including fees each transaction was {$2900.00} XXXX XXXX * XXXX + XXXX ). My XXXX transaction of XXXX cards, all XXXX cards showed as not activated. XXXX did a refund of the XXXX cards ( - {$2900.00} ) that did not activate and did a repurchase of XXXX cards for {$2900.00} on a XXXX transaction since the XXXX transaction all cards showed as not activated. Technically XXXX cards at {$490.00} each were purchased ( though charged for XXXX see receipts ) with XXXX being returned, leaving XXXX cards that I should have active with funds on them. I 've sent my receipts from XXXX XXXX, including the electronic sales journal that XXXX ( the store manager ) of XXXX XXXX provided to support what happened. InComm says XXXX cards were used at the United States Post Office, which I did. XXXX cards {$2900.00} ( $ XXXX + $ XXXX ) are unaccounted for per the receipts I 'm providing that shows I was charged for XXXX cards at {$2900.00} x XXXX = {$8900.00}. Per the receipts, where is the missing XXXX cards/funds? I would like my funds for the missing XXXX cards ( not activated ) refunded to me in the amount of {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 01-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is in response to clarify in simpler terms what my dispute with Chexsystem is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following address 's I am here and now disputing as address 's that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX XXXX- My Parents Address NOT MINE!!!! 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX. 
Please delete these address 's. Now concerning the inquiries that you have listed on your consumer report to me please delete these following inquiries because I did not authorize those Financial Institutions to look at my personal information:1. XXXX XXXX XXXX XXXX Date of Inquiry XXXX2.PNC BANK Date of Inquiry XX/XX/XXXX3.XXXX Date of Inquiry XX/XX/XXXX4. XXXX XXXX Bank Date of Inquiry XX/XX/XXXX5. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX6. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX7. XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX8. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX9. XXXX Date : XX/XX/XXXX10.XXXX XXXX Date XX/XX/XXXX11. XXXX XXXX Date XX/XX/XXXX12. XXXX XXXX DAte XX/XX/XXXX13. XXXX XXXX XXXX Date XX/XX/XXXX14. XXXX XXXX Date XXXX15. XXXX XXXX XX/XX/XXXX16. XXXX XXXX XXXX Date XX/XX/XXXX17.XXXX Date XX/XX/XXXX18.XXXX XX/XX/XXXX19. XXXX XXXX XXXX Date XX/XX/XXXX20. XXXX XXXX Date XX/XX/XXXX21. XXXX XXXX Date XX/XX/XXXX22. XXXX XXXX Date : XX/XX/XXXX23. XXXX XXXX XXXX XXXX Date XX/XX/XXXXPlease Delete all those inquiries I have included the consumer report that you sent me and I have attached my Drivers License and my utility for verification of myself and my address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Medical) with AR Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was covered by the indigent/charity care program at the hospital and have been told by hospital there is a {$0.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM 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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT

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 12/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 
On XXXX XXXX, 2015 XXXX reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Experian to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Experian with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, TX and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. 

Thank you and Happy Holidays. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get XXXX to budge unless I pursue this further.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin 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 non-monetary relief