milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: My mother passed away. She had a checking account/business account for her class reunion expenditures. She is the only person listed on the account. I have submitted a death certificate, copy of the will to prove that I am executrix of her estate, and all requested documentation. I was allowed to close all accounts at Wells Fargo except for this XXXX account. Five years later, Wells Fargo has still denied me the right to close this account. I provided the documentation for the third time in five years and the account remains open. They mail me a statement every month. This is torture to know that I can not close the account and stop the mail that is addressed to my mother. I am disappointed in the number of times that I have submitted information to the bank to have them respond with the " account is under review ''. She had been dead for five years. She will forever be the only name on this account. I am eager for a resolution to this issue and for the statements to stop.

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 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to apply for a mortgage. But the mortgage officer told me that they were n't able to pull my credit report from Equifax. I, then, proceed to contact Equifax, they were not able to find my credit report with my name, social security number, date of birth. Later I found out that my credit report got mixed up with my brother 's credit report. They ask for my ID and SS card to verify my identity. I promptly send them my ID an d my SS card. Yet, I called again after a week, they still have not able to confirm my identity, despite that they claim they will get back to me within 48 hours. This was an urgent request to them because my mortgage officer needs to pull my credit report by XX/XX/XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Continued to call and threatening me calling at different times and stating someone will be waiting on me with legal documentation outside of my home and job

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (NC).
Issue: Struggling to pay your loan

Complaint: We have had to file a hardship due to circumstances beyond our control with  XXXX   XXXX   XXXX . We have informe d Avant that we are now under a no contact with them and directed the m to deal with the debt relief agency. Instead they are harassing us and continuing to call an unreasonable number of times. When we pick-up the phone, they hang-up. O n     XXXX - XXXX -2017  th ey called our home 5 times. To follow are the times of day they called on  XXXX / XXXX /   2017  :    XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX   and  XXXX    XXXX  . On   XXXX / XXXX /20  17    they called our home 4 times  (  so far  ) . To follow are the times of day they called   XXXX   XXXX    / XXXX /2 017     :   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,    XXXX   XXXX  . My husband has a  XXXX   XXXX  and this is causing him   XXXX   XXXX  . They have also called my place of employment repeatedly. My caller ID on my phone only store s 30  calls, so I am unable to give anymore exact times of the calls, but this has been taking place since we informed them of our hardship and directed them to call the debt relief agency on on Saturd ay  XXXX / XXXX /2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I received a letter from Wells Fargo in XX/XX/XXXX stating that they have charged me late fees for the months of XX/XX/XXXX and XX/XX/XXXX. They further stated that the late fees were for payments received on the XX/XX/XXXX of the month. This is contrary to the monthly statement, ( a legal document ) which is sent out by Wells Fargo which clearly states that late payments are those that are received after the XX/XX/XXXX of the month. I have attached and circled a monthly statement showing where Wells Fargo is saying that late payment is after the XX/XX/XXXX of the month. This lines up with the terms of the VA loan at close. 
It is not true that I was late either of those months, and both payments were received on or before the XX/XX/XXXX. In fact in nearly 10 years of payments, I have only one payment that showed up a few days late. In the month of XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX and in XX/XX/XXXX Wells received electronic payment on the XX/XX/XXXX, both on time according to the monthly statement furnished by Wells saying late after the XX/XX/XXXX,  which again is in-line with the terms of the VA closing contract That contract has been made available before here at CFPB during the 3 years of complaints lodge here against Wells Fargo.. 
Over the past 3 years XXXX XXXX has been many things in its relationship with me, but professional is not a term I would choose. Every month they send late statements before the payment deadline. They use that to pilfer the very solvent escrow account by taking money that would otherwise be place in escrow and put it in an undeclared funds account. They manufacture and enable this misapplication by pretending that the account is late, when in fact is its not late until after the XX/XX/XXXX according to both the Veterans administration and Wells own statement, ( see attachment ). 
They have back tracked numerous occasions, including having to restore miss appropriated funds, falsely billed for shortages then a few months later and send me checks for overages. These backtracks only happen after Wells burdens me to complain and escalate those complaints before they act. They have been inconsistent and certainly not meeting the bar expected for accounting professionalism and ethics. I am, like many others, without trust in Wells Fargo, due to the lack of honesty and their abuse of laws. I really dont understand why the Federal Government continues to do business with them.

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 04-12-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, I filed a dispute on a 1 account through XXXX. The account is owned by a debt collector, who also owns another account with me. Both accounts paid off. I only have an issue with one of the account, which is a XXXX ( original creditor ). On XX/XX/XXXX, after speaking with XXXX, I contacted the debt collectors to set up a automatic payment to be schedule out of my personal bank account on XX/XX/XXXX. XX/XX/XXXX, the debt collectors received my dispute notice. XX/XX/XXXX, they took the money out of my account. I was told by the debt collector they do n't accept payments on disputed account, but because I set it up to be taken out before they received the dispute notice, they still took the money. although, they could 've canceled the automatic payment before XX/XX/XXXX. I was never told that they received the dispute notice, until the dispute was settle through XXXX ( original creditor ). I did n't have a problem with it, because I figured once the dispute was won in my favor they 'll refund the money back. on XX/XX/XXXX, I received a letter from XXXX ( original creditor ) stating " the investigation was completed, and the claim has been resolved in my favor. I contacted the debt collector to let them know, and they wanted proof. I faxed the letter after being told a number of different things to do from many different representatives. on XX/XX/2017, I finally get a letter regarding my dispute and it stated that the believe their information is correct according to the information received from XXXX ( original creditor ), and they 'll need a police report to further process my dispute. They never contacted XXXX ( original creditor ) for recent information regarding the dispute. long story short, they 're giving me an extremely difficult time with refunding my money and verifying XXXX ( original creditor ) information on the disputed being won in my favor. I been told lies, contradictions, and questioning me on why I paid a disputed account. There is so much more information that was wrongfully said by there representatives. I am currently waiting for all recorded conversations and information regarding myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (IL).
Issue: Application, originator, mortgage broker

Complaint: My mortgage company is Nation Star Mortgage i tried to refinance my mortgage to find out when a credit check was performed Nation Star has on my credit report that i have a home equity loan on my first mortgage i do not i took out a home equity loan for XXXX dollars XXXX XXXX company it was paid off i explain the to Nation Star. XXXX transferred my loan to XXXX almost two years ago i do not know if they have me mixed up with someone else i told Nation star the problem and i have been getting the run around from these people. I can not get any kind of help with my mortgage until they straighten this mess out i have the documentation that my loan was paid off and i ask Nation Star to show me where i signed for an first mortgage they could not i need help with these people they are difficult to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 am disputing the US Bankruptcy Court of XXXX XXXX XXXX of California with their office and as well as the credit bureaus XXXX, Experian and XXXX. The XXXX major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

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 10/19/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest XXXX. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have provided Experian and XXXX proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. Experian and XXXX get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against XXXX and Experian for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. XXXX and Experian need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need Experian and XXXX to adhere to the law and immediately remove this fraudulent information from my credit files.

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 02-03-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (WA).
Issue: Account opening, closing, or management

Complaint: Savings account at Synchrony was LOCKED due to invalid password. 

Synchrony after 2 horus of repeated calls COULD NOT unlock account due to internal Synchrony security procedures. 

1. I have NO mobile phone which Synchrony REQUIRES to get a text message. 
2. I have NO internet at home so can not request CALL of code and be near home phone. 
3. When requesting CALL it goes to recorder where Synchrony will NOT leave code. 

Thus a {$300000.00} accoutn can not be accessed due to incompetent Synchrony security procedures and manager said no other ooptions. 

As I tarvel world-wide I can not call from multiple countries if account gets LOCKED due to password issues. 

very sad and incompetently manged banking institution to implement such incompetent security procedures.

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 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out in the news ( X/X/2017 ), 2 months after the alleged security breach took place with Equifax, that 143 million Americans ' information might have been compromised. This included SSN, DOB, credit card info, and other personal identifying information. I checked the Equifax site and was told it was likely my information was exposed. 

I was not notified by the company, but instead had to go look for the information myself. 

The breach is inexcusable and places my identity and credit at risk. 

I have since tried to freeze my credit with Equifax, but found out that anyone with certain information ( ie SSN ) could unfreeze my credit with Equifax. This is beyond the pale of incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Every thing that should have been removed was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (FL).
Issue: Credit decision / Underwriting

Complaint: I signed up for a mortgage with PNC. They provided an acceptance letter. Days before the closing they called me and told me that I no longer qualified for a 30 year mortgage due to " debt to income ratio '' which had not changed since the initial approval. They told me that I now only qualified for a 7 year ARM mortgage ONLY. This information was broken to me days before closing. I had no way at that point of obtaining a new mortgage within a few days. I was so scared that I would lose my deposit that I was essentially forced into accepting the terms. Now, with the rate changing I stand to potentially have to pay much more money in interest when I am forced to refinance in 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Pressler & Pressler are trying to sue me and collect on a debt that is over 10 years old and not on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: During the process of obtaining a mortgage, Bank of America sent my personal information to an individual that is unknown to me. My loan processor said in an email that my closing documents, which include sensitive personal information, was sent to an individual that I do not know. I did not agree to let that individual to possess my personal information. My identity could be stolen as a result and I expect Bank of America to be able to protect and prevent that from happening. However, Bank of America was unable to do so and knowingly sent my personal information to an individual that has no prior connection to me. Once again, I did not agree to have my personal information to be sent to that particular individual. I have to emphasize that I do not know the person that my personal information was sent to. That should not have happened, and I 'm extremely frustrated and disappointed in Bank of America 's action.

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 12/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems is station that I owe a debt. I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, XXXX please help me remove these from my report? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As i reviewed my credit report i noticed that there was an account in debt and in collections already in which was not me so i want it be removed from mt credit file. This is the account name, number, date it opened and closed, and balances as it appears on my credit report : CITI Bank credit card- acct number : XXXX Opened on XX/XX/2014 closes XX/XX/2014 Credit limit is {$200.00} Amount past due {$220.00} and High balance is {$310.00}.

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