milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2017, I contacted Midland Credit Management about a debt that I had owed. I was not disputing the debt but wanting to pay it off. I negotiated a payoff amount of {$1000.00} and paid it by credit card. I have received several notices threatening garnishment of wages AFTER I paid. I tried several times to contact them and each time I was transferred and then sent to voice mail. I have left several messages trying to explain that this debt was paid. I finally went on line to find a different number or address to contact and found one for the corporate office in XXXX XXXX, CA. I sent and email and a copy of the credit card statement. Two weeks later, I received a letter validating the debt that I had owed but nothing about the pay off. I have the credit card statement with the payment to Midland Credit Management on their and they still refuse to acknowledge that I paid the debt. I just received a letter again ( XXXX XXXX, 2017 ) stating that they investigated and found that the debt was valid and they would start collection procedures again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with Partners Financial Services Inc (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, 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 monetary relief
Consumer complaint received 08-10-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I have NO knowledge of dating back to XX/XX/2017! I haven't applied for any credit cards for the past two years! I didn't give anyone authorization to use my information to apply for ANYTHING!!

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 04-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: I used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have written the Credit Agency multiple times over the past several months and have received responses that they have completed investigation without proving how they concluded the investigation. I have repeated requests and to no avail. I have contacted the creditors and credit bureaus and therefore need help validating these items. 1. Bankruptcy 2. XXXX, 2. XXXX 3. XXXX. Please help and advise. All of these agencies have not been helpful either by phone or mail. I need these items resolved and removed.

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 09/24/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Renton Collections , Inc. sent a bill from the original creditor, XXXX XXXX XXXX, account number XXXX in the amount of {$320.00}. This amount includes the original bill of {$300.00} plus {$15.00} in accrued interest for a total of {$320.00}. After contacting a customer service representative on XXXX XXXX 2015 to locate the original creditor which assigned the debt to collections, I told the collection agency representative the insurance agency had already paid the bill in full. The collection agency representative angrily denounced the statement claiming they had no such information. When pressed for details about the original creditor, the billing collection agency refused providing the information claiming they did not have to provide it. I asserted that per FCRA, the collection agency did have to provide the information from the original creditor in writing per my request. However, the billing collection agency representative still refused to do and refused to turn the call over to a person in charge per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Late fee

Complaint: I was charged a late fee for no apparent reason on my American Express Business XXXX. I believe they changed the cycle payment date on me and they refused to refund the late fee of {$35.00}. I would be very suspicious of their practices as they have been quite aggressive in trying to get lower income Americans off their rolls.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Vehicle loan or lease (Loan) with Porsche Financial Services, Inc. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: my house burned I called Carrington mortgage company ( who owns my mortgage ) to ask for a payoff and how to go about paying it. Their representive told me to send check to them unsigned then they would sign and send back. I would then sign and bank wire the money to them because there was a few XXXX extra in the check. I ask a number of times to make sure I was doing this right. I sent ck overnite XX/XX/XXXX to make sure it was paid XX/XX/XXXX because the payoff would change then and they would charge me more. when I called XX/XX/XXXX to see why it was n't back they told me it had to be done a completely differnet way and that they had just put it in regular mail so it would n't be back XX/XX/XXXX. when i said but that will cost me more the Rep said oh you do n't have to worry about it there is plenty in the ck to cover what ever we will need to take .When I ask how much they r going to take they said they would n't know till the check got back to them. and refused to give me any numbers at all. When I complained because I had done everything I was told to do the mistake was theirs that I felt I should not have to pay anymore than than XXXX payoff I just keep getting suffled to some one else. I had this loan for over 6 years and paid over $ 40,000.oo yet my payoff was only {$7000.00} less than I started with

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Payday loan debt) with Gold Star Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: X/XX/2017 Thursday @ XXXX, {$620.00}, the store manager XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Ph : XXXX right off the bat during the welcoming into the office displayed by the Manager XXXX actions of hatred towards myself in front of my wife, all while she harassed me, with a hostile, tone by disrespecting my wife and I used all while using Abusive Misconduct Language being very rude, ill minded, demonstrating poor Unprofessional MisBehavior in public on office site grounds. 
All in the event of my wife and I walking in to open a new loan under her name. 
XXXX XXXX the Manager instantly verbally attacked me pushing for me to make a payment, when my loan account had been charged off. this so called manager did n't have the common courtesy and Respect, Integrity nor decency to apologize to my Wife and I for such ill display of misconduct with negative impulsive behavior and has made such a negative impact we the way there business practice are handed. my wife and i realized that XXXX XXXX the manager was actually threatening me in front of my wife in order to attempt to collect a charged off account debi. 
XXXX XXXX stated while claiming that I owed her money that it was her money she lend me. I avoided engaging in any form of conversation due to XXXX XXXX the manager 's low childish standard display of unprofessional attitude and misbehavior that was being projected to deliberately pushing and provoking to instigate some type of argument. which she was using her authority position as manager in instill fear and create scare tactics in order for myself to pay her something. I told her, No that I was n't going to make no such payment especially displaying such hostile, insulting and offensive tone, attitude, and immature manner. After her outburst of Rage, I remain clam and kept my composure only for the reason that My wife and I needed to take out the loan due to a emergency of personal private matters. I inform the Manager that I will be coming back to discuss filing a Complaint and she laugh.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 01/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IA).
Issue: Problems when you are unable to pay

Complaint: I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Tribal Lending Enterprise, Inc. (MI).
Issue: Problem when making payments

Complaint: I needed cash and this seemed like a good idea. I was not aware of the excessive interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (MN).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XX/XX/XXXX I rec 'd a letter from XXXX XXXX Assistant VP of SunTrust Bank, where she lied once again about my XXXX score on XX/XX/XXXX. The score verified by XXXX was XXXX on that date, yet XXXX continues to lie and say it was XXXX. She blames a screenshot I provided supposedly from XXXX XXXX. I am asking XXXX XXXX to provide ALL documentation that SunTrust rec 'd on XX/XX/XXXX with the credit score she is currently still LYING about to me and to the CFPB. 
Furthermore I do hope the CFPB can see this continued lying and lack of disclosure XXXX XXXX is using in an effort to pass this off. She is lying, Suntrust has lied and has tarnished my Credit Score into something it is not. 
I am asking XXXX XXXX to submit the XXXX report to me as she stated with a date of XX/XX/XXXX showing my score was XXXX as she stated, or admit she has lied.

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 01/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (WA).
Issue: Other transaction problem

Complaint: XX/XX/XXXX, I created an account with Western Union in order to transfer money overseas. After setting up my account I was approved for a {$10000.00} money transfer. Before my account was fully activated they said they would allow 1 wire transfer. 

On XX/XX/XXXX, I go into my bank wire a total of {$4400.00} into the bank account given by Western Union via email. 
On the same day after the money transfer I call western union to confirm the transfer and activation of my account, they said to call back tomorrow if I don't get an email confirming by tomorrow. 

On XX/XX/XXXX, I called back Western Union because, I did not see a confirmation email and after giving all my account information, full name, date of birth, mothers maiden name they tell me my account has be canceled from the " higher-ups. '' Without reason why, they wouldn't transfer me to a supervisor. They didn't offer me a refund. He said, there's nothing I can do and terminated the call. 

So now, I am out {$4400.00} for a service western union failed to provide.

Company response to consumer: Closed with explanation