milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I have had a checking account with Wells Fargo Bank for a few months and signed up to their overdraft protection. They charged me overdraft fees that they were not supposed to charge and I already filed a complaint with your department about that issue. After they received your complaint, they removed XXXX of the fees. I immediately told them that I wanted to close my account since I do not want to do business with a bank that charges me fraudulent overdraft fees and they now say that I can not close the account since it has a balance that I owe. To be in good faith and so that my record would n't get affected, I stated to them that I would pay them {$25.00} per month. Now I hear in the news as of today, XXXX/XXXX/15, that there is a class action lawsuit in XXXX XXXX XXXX against Wells Fargo bank for charging overdraft fees and other types of fees to their customers illegally. I called them today and stated that I will discuss the matter with an attorney before making any kind of payments since I feel that the amount/fees they are charging me are also illegal like it states in the lawsuit. They stated to me that if I do not pay the whole balance in full immediately they will close my account and it will affect my records. I want to be able to close the account, not them, and I had already made payment arrangements and they would not allow me to close the account myself. I believe they just want to put all this bad reporting on my record in retaliation since I filed a previous complaint with your department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They kept calling me telling me to pay for this bill or ill go to court i paid the amount they gave me to pay so this needs to be over

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Other type of mortgage) with SYNERGY ONE LENDING, INC. (CA).
Issue: Closing on a mortgage

Complaint: I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This will be the sixth complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting on XXXX XXXX, 2016 until XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, andXXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Thursday, XXXX XXXX, 2016 and a XXXX, SINGLE POINT OF CONTACT SPECIALIST, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX sternly intentionally refused, prohibited, and stonewalled XXXX from again finding out what steps if any CALIBER HOME LOANS, INC., has taken to close Caliber Account Number XXXX once and for all, because of the unquestionable, substantial, and tangible documents that have already been submitted to CALIBER HOME LOANS, INC., that said property by operation of law called " Rights of Survivorship '' transferred to XXXX XXXX XXXX XXXX, so there is no property affiliated for CALIBER HOME LOANS, INC., to foreclose on, as XXXX XXXX XXXX was the only person who signed the NOTE and made that promise to pay, not XXXX XXXX XXXX XXXX or anyone else for that matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I work for a XXXX as a XXXX. Over the past year, colleagues have received messages, ostensibly intended for me, at various numbers throughout the department. The messages are rapidly spoken, and a phone number is left. When I have attempted to contact someone at that number, a representative insists that I confirm my social security number before they will release information. Naturally, I refuse to disclose any personal information until they inform me of the reason for the phone call. The only response I 've been given is that the call is in reference to a " personal business matter ''. I refuse to provide these scammers my personal information and having them contact various colleagues throughout my department is highly embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For several years now, despite scheduling my payments online, on time every month, Chase is charging, then crediting late fees. 

While they are crediting these late fees, there should never be a late fee charged to my account in the XXXX place as payments are always made on time. 

When speaking with XXXX in Customer service today, she said I should be making my payments by phone in order to not have late fees charged to my account. I do not accept that this is a more efficient or better way than making my payments online. 

As an example of how I make my payments, for XXXX, I scheduled my mortgage payment on XXXX to deduct from my checking account on Thursday XXXX, the final day it is due. I have been making my payments like this for the last 15 years. 

I no longer accept that Chase charge then deduct late fees on my account, and I request that they place a clear note on my loan accounts with them that states my account has never been late. I understand how these things work, and it could prove to be problematic for my credit down the road. 

Thank you for looking into this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Payday loan () with Enova International, Inc. (UT).
Issue: Received a loan I didn't apply for

Complaint: I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with I.C. System, Inc. (ND).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.

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 06-08-2015 about Debt collection (Auto) with First National Collection Bureau, Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I contacted Citi on XXXX XXXX at XXXX at XXXX. The representative was unable to locate my account when searching by the account number, numbers at the bottom of a bill, my social security number or my full name. She thought this was very strange and I was very upset. I advised her that I have been paying this bill every month and I am extremely concerned that I pay them {$80.00} per month ( or more ) for an account that they are showing no record of. How can a creditor collect a debt from you that they can not even track in their system?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My last name is misspelled on my Equifax and XXXX XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: AROUND XXXX 2017 I FILED A COMPLAINT WITH THE CFPB IN REFRENCE TO HELP WITH FRAUDULENT ACTIVITY ON MY CREDIT REPORT. I LIVE IN ALABAMA AND THERE WERE ACCOUNTS ON MY CREDIT REPORT FROM A DIFFERENT STATE. XXXX XXXX NEVADA. ALSO A FRAUDULENT CHAPTER XXXX UNDER MY SS # THAT WAS REPORTING AGAINST ME IN XXXX XXXX NEVADA. THERE WERE 4 ACCOUNTS ATTACHED TO THIS CHAPTER XXXX. XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX. ALL WERE REMOVED BUT XXXX XXXX AND XXXX XXXX. ALL WERE INCLUDED UNDER THIS FRAUDULENT CHAPTER XXXX SO ALL SHOULD HAVE BEEN REMOVED. THE XXXX XXXX AND XXXX XXXX IS STILL REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Khoury Alternative Claims Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Alternative Claims Management regarding an auto accident that was handled by XXXX XXXX. Letter claimed we owed {$870.00} and we had 30 days to pay. They asked for a credit card authorization. XXXX believes this claim was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your XXXX. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Account must be deleted from the report as soon as possible : DSNB/MACYS ACCT # XXXX Bank XXXX XXXX ACCT XXXX XXXX Capital XXXX bank USA NA ACCT # XXXX DEPT OF HEALTH AND HUMAN SVC HRSA ACCT # XXXX DSNB/MACYS ACCT # XXXX ENHANCED RECOVERY COMPANY ACCT # XXXX XXXX ACCT # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries are not mine. 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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 've written to the Hawaii Federal Bankruptcy Court - XXXX. This is their reply : The United States Bankruptcy Court XXXX does not provide any information to any credit bureaus, all information they obtain is via third party. You are correct that pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. I hope this letter is helpful in your matter. 
Sincerely, Clerk of Court. 
I have brought this up to Transunion 's attention along with a document that was filed in court that does not contain my name. The name that is on that document is different than my name. I have been complaining to them since XX/XX/2015 and they still have not remove it.

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