milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint against the following credit reporting companies. XXXX XXXX, XXXX, and Equifax. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : Repossession XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : Charge-off XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX  XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from XXXX XXXX University in XXXX 2016. I was told that I would start paying my loan six months after graduation. However, Sallie Mae made a mistake with my account and now it appears that I have a late payment with fees. I was not aware of this and when I tried to speak with a representative, they blamed the University. This is not an isolated incident. They also made a mistake with my sister 's account, last week. My issue is that they should have a record of my loan disbursement which would show my enrollment in school for the XX/XX/XXXX 2016. I feel as though they purposely make mistakes in order to charge extra fees. This is not right and I should n't have to pay for their mistakes. This affects my credit score. How do I proceed from here?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon receiving my credit report, I noticed many inaccurate reports that had primarily been reported by Experian. I am seeking all ways to have this report corrected. This is just another tool in this attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: Today XX/XX/2018 I am disputing again the XXXX Account that is not accurately reported in my credit file. To all credit bureaus, I called XXXX directly and spoke to Miss XXXX XXXX, She states that NO credit bureaus have called to verify my account. The XXXX account was paid in full and not late. Credit Bureaus ARE NOT checking or Verifying any information. Per Law, they are supposed to. This negative information is hurting me obtaining a home and credit. There has been many mistakes on my file. I will continue to report and argue my case until someone listens.

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 06-02-2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: X/XX/2017    KeyBank automatically tranfered money from my checking account to my saving account but the transfer is only to happen if the funds are there fund were not there but they tranfered anyway causing a negative balance in my account then they processed to charge me overdraft fees five totally they would only refund two of those they caused the overdrafts but refused to make it right Im being robbed of my fund because of there transfer that they did knowing the funds where not there tried to work it out with them but they say they cant do anything else all I want is my money back from there misstake

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: When my husband and I needed to replace our home 's heat pump two and a half years ago the company replacing it offered financing through Synchrony Bank as an alternative to paying up front. After a little over two years we decided to take out a personal loan through another bank and one of the conditions of the loan was that we pay off the balance that we owed on the Synchrony loan, about {$2000.00}. The bank gave us a check to send in to Synchrony, which we did, XX/XX/XXXX. Since it was close to the due date for the loan we also logged in online and made our monthly payment, figuring we would get a credit and they 'd send us a check for the overage. I called Synchrony to let them know about the situation and was assured that it would be resolved within 10 days of them receiving the check. When the credit did n't post as expected, I began contacting Synchrony. Over the last two and a half months I have called Synchrony over a dozen times and been told everything from, " it looks like someone is working in your account right now, so that is probably the check being deposited, '' to, " We have no record of EVER receiving a {$2000.00} check (! ) '' I gave them every bit of information they asked for, including faxing in the cashed check showing that they had deposited it XX/XX/XXXX. Every time that I called they told me a longer processing time to receive whatever information I 'd sent and once that time frame had passed they implied that it was my fault things were taking so long for not following up sooner. ( I faxed something in on Monday and called to let them know to expect it, they said it would take up to 24 hours to process into my account. On Tuesday it was, " it takes 24-48 hours, '' on Wednesday it was, " It usually takes 72 hours, '' on Thursday it was, " If you faxed it on Monday why are n't you calling until now? '' ) It was not until I threatened to just have a lawyer handle the entire situation that I was finally transferred to a proper manager, who was able to find the payment within minutes. I ca n't help but think that they must be milking XXXX other people, most of whom do n't have the option of turning it over to a lawyer and just end up getting bilked out of doubled payments or late fees on something they 've already paid in full for.

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 07-04-2017 about Debt collection (Other debt) with VIRTUOSO SOURCING GROUP, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Io, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a medical debt where I had secondary insurance through my mother 's insurance. XXXX XXXX never submitted the remaining amount due to my secondary insurance even though the insurance card was offered to them on two different occasions. When they sent it to collections, I immediately disputed the debt. For over a year representatives from Receivables Management Systems have ignored my dispute letter and now am being informed that I did not meet the 30-day criteria ( I am assuming that the Account Dispute Manager is using my last fax of XXXX XXXX, 2017, as the dispute date ). The initial dispute was sent well within the 30-day period ; however, three different representatives from this company over the past year have done nothing to remedy this. I am attaching all of the information I have in this matter.

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 04-05-2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (KY).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

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 08/23/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AK).
Issue: Account opening, closing, or management

Complaint: I applied for a credit card that would give me a discount on Amazon. As a result Chase Bank sent me a SNAIL MAIL saying that if I did n't respond by 30 days from the date of the letter, they would discontinue the evaluation of the application. I 'm traveling and I finally received the letter 26 days after they sent it. Now it 's impossible to find an e-mail address for this bank and I do not have the means to call their XXXX number. This is a major frustration and seems very UNPROFESSIONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I applied and was approved for a Wells Fargo mastercard close to a month ago. Since Ive received the card, Ive been unable to access my account on Wells Fargo website. Ive tried following the steps to receive my username and password multiple times. It does work however the Wells Fargo website states system is temporarily unavailable. I have my username and password. Its been like this since Ive had my card. I have called the credit card help line and at no point in the phone menu does it direct me to the credit card help desk. My problem is not solved through the automated menu.

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 02/24/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage Company routinely delays posting my monthly mortgage payments ; often until past due so that late charges apply.

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 12/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX, XXXX I deposited my check at an ATM owned by Wells Fargo bank. The check amount for my paycheck was {$1500.00} and the bank error deposited only {$510.00} and shortchanged my funds of {$1000.00}. When I called Wells Fargo ( six times ),  the bank told me that there was nothing they could do at moment. I have proof of photo of the paycheck and amount and deposit amount in my email from Wells Fargo. They emailed me it. I am disputing {$1000.00} as I believe Wells Fargo committed financial fraud on me, a loyal customer.

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 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I disputed the creditors XXXX XXXX and XXXX with Experian. They have the same account listed more than one time on my credit reports, which is against FCRA. I have contacted the organizations and disputed with Experian and Experian is indicating that the accounts are mine. Please know first of all these are fraudulent accounts and if that is n't bad enough they have the same XXXX account from each organization listed more than once on my credit reports. So again, they have the same XXXX account for XXXX XXXX reporting two or three times and XXXX is reporting two or three times, same accounts. If they review they can see that they have these accounts listed more than once. The XXXX account belongs to XXXX XXXX, I never signed or was aware of the account until viewing on my credit reports.

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 03/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!

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 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Billing disputes

Complaint: I have not heard from anyone. I would like to know what is going on. I have called twice and would like to know what is up. I need to get this solved. I have tried and tried to get ahold of someone. I would like to get my credit card taken care of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OR).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I paid my credit card using bill pay. I have never been late on a payment. For some reason they did not pick up the payment. I submitted all proof for a year over and over again that I paid the card. The month after they did not pick up the payment, I paid the card in full minus the late fees, and increased interest. I have been a customer for probably fifteen years and never had any problem, the account was paid in full but they kept sending be bills and adding more interest. I dealt with them month after month for a year in writing. On XX/XX/XXXX I called and asked to speak to a manager. The man I spoke to understood my frustration and said I don't know how long it will take to resolve this, but if you send {$90.00} of the {$340.00} balance that is due, I will make it all go away. After, dealing with this for months, I decided to take him up on his offer. I have his name and reference #. To my surprise I got another statement today, XX/XX/XXXX with a balance due of {$60.00}. I tried to call them, but can not get through as I do not have the whole fifteen digit account number. I only have a partial number as the account is closed and I no longer have the card. You can not even talk to anyone, now with out a full card #. I am just done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have XXXX accounts on my credit from West Asset Management that they refuse to remove. Both accounts are from XXXX XXXX XXXX in XXXX Oklahoma. I was informed that they have sent me several notices prior to placing them on my account. I advised that I received no notices or validation of the debt. I also advised that we/I have always carried XXXX medical insurance providers through my work and my mothers job. The agent as well as the supervisor verified that only XXXX insurance company was submitted to request payment and not the other. I have disputed with the agents numerous times and they refuse to remove or verify any information with the medical provider. I was advised that billing the medical insurance company is a courtesy provided by the provider and it is up to me to make sure the insurance company pays the bill. I never received any documentation to dispute the charges and when I found out they were on my credit report. I can not stress the issue with NEVER receiving any documentation to submit to the company to dispute the charges. The supervisor was extremely disrespectful and offered no additional assistance. I have valid proof that I had XXXX medical providers coverage at the time and offered to submit the documentation. The agent stated she read through the notes and does not see any notations referencing billing the secondary insurance and that she can not do any thing to remove the accounts and that I needed to obtain a different avenue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with Central Portfolio Control Inc. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have told them to stop calling my work phone # and they continue to call it more than once a day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Bank account or service (Savings account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I had a PNC custodial account set up for my daughter in MY name and hers. My soon to be ex-husband was somehow given information about said account from the branch he banks with.

Company response to consumer: Closed with explanation