milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I was charged a {$10.00} late payment fee by a merchant for a late payment delivered by Wells Fargo 's online bill pay service. Wells Fargo says the fee is my responsibility. Yet the Bank controls the entire process : The Bank chooses how and when to deliver payments. The Bank controls the online bill pay screen that shows how long it takes them to deliver a payment. The bank failed to realize there was a Banking XXXX when means no mail delivery.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (LA).
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: On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : JP Morgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I wrote in  XXXX  with specific issues I wanted the credit bureaus to investigate. They never investigated. Never responded at all. None of them!

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is 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 explanation
Consumer complaint received 10/16/2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My complaint is with Sallie Mae. Sallie Mae did an unauthorized credit search on myself and my co-signer on the XXXX XXXX and XXXX XXXX. Sallie Mae did not have are permission to run are credit. We were working to get a settlement with the company to pay back a personal school loan. And being that the payment was late because we were in dicussion with Sallie Mae. They reported it to the crediting reporting companies. Due to this happening. This has lowered my credit rating and my co-signers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (WV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On Thursday XX/XX/XXXX I submitted two checks electronically ( I had left my debit card at a friends and had n't retrieved it yet ). Throughout the weekend and into Monday of the next week I used my card. The eclecteonic checks showed pending over the weekend and I was under the impression my account wa seer up that if I did n't have the funds my card would be declined. My card was not declined throughout the weekend. During Monday night processing, the debit card transactions all posted but the bank then posted the checks after the debit card purchases. Even though they had be submitted prior. I called the bank to dispute the fees because the ACH transactions had appeared on the account when purchases were made yet posted after the debit transactions. The agent ( and manager I spoke with ) said that posting order had been changed and now checks posted after debit card transactions. ( Which is think is predatory since they can no longer charge fees for debit card transactions that they authorize if funds are n't available. ) Neither the agent or the supervisor knew when the posting order had actually changed and when I asked the manager XXXX to speak with her supervisor about it I was told that I could n't speak to them and they did n't speak to customers ( I looked at the banks published information online as directed by the supervisor and qouter to her what the online materials said and she argued that that information was incorrect and that I must be looking at the wrong banks information ). I have since been charged another fee for sustained overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree Mortgage treated us terribly. They harassed us with phone calls, rude phone calls and did'nt get back to our phone call questions. We ended up having to do a short sale because they threatened foreclosure. Then they stalled the short sale and kept asking for more money. They took out Homeowners Insurance which we already had and that left our escrow short. it was a horrible experience. We no longer have this mortgage company want it to be known.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: In XXXX 2017, I receiver a letter informing me that my taxes had not been paid. I called and reported that I would pay my taxes as I always did, understanding that there was a fee added each month, but I did not want an escrow account. I paid county, city and school taxed but the money was refunded because Chase had paid the taxes. I contacted Chase and asked if I could reimburse them and not have an escrow  account. and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is a follow up to my first complaint that is taking forever to be resolved. Someone named XXXX ( ext. XXXX ) Chase 's Executive Office has the audacity to leave me a message to call her back in the evening. I left her two voicemails and she has NOT called me back!!!!! I have been calling her since XXXX my time and she has not gotten back to me. She keeps on telling the rep she 's on a phone call and she will be calling me back in the afternoon. It 's getting late on side of the U.S. and she now tells me that she does n't have time to talk to me! Chase is so unprofessional that I do n't have the words to describe the pain and stress they have caused me for the last two weeks! How can someone be on a phone call for the last 5 hours!!! They are not willing to help me and I can see that already.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I called Wells Fargo Card Services at the beginning of XXXX to have them STOP sending me statement stuffers with balance transfer checks. 

Once again, in the End-of-month XXXX billing statement, there was a balance transfer check. 

I had to call again. They said it could take up to two billing cycles.

This is the third. Then, they said it could take up to 60 BUSINESS days, which is a REALLY long time period. In the meantime, I'm subjected to potential fraud, if my statement is stolen.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.

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 02/13/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: So, I wanted to close my cable/internet account with XXXX because I was moving, and they said in order to close your account you need to pay {$180.00} for the rest of the month. Then, next month, in my new apartment, I signed up for XXXX, and they billed me for something I already paided for, I tried to contact them and they would hang up on me and soon sold my collection to another company whom are charging me {$260.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information/data was stolen from Equifax during their large security breach in 2017. I am filing this complaint to report the theft. I believe Equifax did not take the proper security measures to safeguard my data.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not have a contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt that was owed to XXXX. The account was bought by a debt buyer. The debt buyer hired an attorney to collect the debt. They filed a lawsuit. I paid the debt and the courts dismissed the case. The attorneys office also sent a letter stating the debt was paid. The debt buyer continues to report money owed on my credit report. I provided them with the same documentation that I am providing to you. I have disputed this information on XXXX times. they continue to say I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. Equifax is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My name : XXXX XXXX XXXX, Loan # new # XXXX # XXXX, Wells Fargo home Mortage, I mailed my payment XXXX XXXX, received in XXXX Tx XXXX at XXXX am. deliverered to their XXXX XXXX at XXXX XX/XX/XXXX.I checked my checking acc with XXXX Bank the money still in my account.I phoned this morning and talk to a representative of Wells Fargo named XXXX our conversation finished at XXXX, I asked her to checked and payment has not been credit to the account yet. I have a Modification mortgage my payment can not be late which is on the XXXX of the month.I mailed to the new address as requested : Wells Fargo Home Mortgage, XXXX XXXX, XXXX, Texas XXXX tracking showed it has been delivered on XXXX XX/XX/XXXX.They have done this before to me last year and I had to filed a complain in order for them to fix their mistake and admitted to me. last year the check did not go through the system property and they called me on the XXXX of the month to let me know that they needed it XXXX payment they claimed to silly excuses after two month they admitted that was their mistake that their system did not clear the payment however they never send me back my check, no late fee was charge or any other notice of late payment. This time they change loan numbers and change mailing address for the ones who pay with check trying to force people to get automatic bank payment which is not to my satisfaction or to pay on line, which will expose me to hackers, and me as other XXXX people do not, like that system. Where is my check and why they have not applied the payment of this month that was mailed on XXXX certified XXXX XXXX XXXX XXXX XXXX, and received and delivered to them XXXX XXXX XXXX Wells Fargo Mortgage Company gave a big problem with my Modification twice denied and finally approved on the temporary XX/XX/XXXX, XX/XX/XXXX was finally permanent approved, paying always on time, they want clients to show default in payment to cancelled the Modification. Please help me, Where is my check mailed Certified AND DELIVERED ON XXXX, CHECK # XXXX for {$330.00}? they are holding my check, this is illegal.Someone needs to do something about this Mortgage Company.Thank you. XXXX XXXX XXXX, phone XXXXI need a resolution to this matter as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Responding back to EQUIFAX PER THE FCRA SECTION 609 THE LAW STATES THE REPORTING AGENCY HAS TO HAVE THE CONSUMER ORIGINAL SIGN DOCUMENTS ON FILE WHEN REPORTING ADVERSE ACCOUNT INFO THAT IS WHAT I 'M ASKING FROM YOU READ THE FCRA 609 IF YOU DO N'T CLEARLY UNDER I HAVE ALSO CONTACT MY ATTORNEY GENERAL XXXX XXXX TO GET INVOLVE IN THIS MATTER AND WILL FILE LAWSUIT AGAINST EQUIFAX AS OF FRIDAY I HAVE ATTACHED CERTIFIED MAIL RECEIPT OF WHEN I ASKED EQUIFAX TO SEND ME THE INFO THAT I 'M REQUESTING. THEY ARE IN VIOLATIONS OF THE OF THE 609 AND 611 FCRA SEE DATES OF CERTIFIED MAIL IN FILE

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Medical) with PlusFour, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was pay in Full on XXXX satament from my bank can be submit .. that paymennt was made it and never reported

Company response to consumer: Closed
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent account to collections.I contacted collection co. & I reached settlement agreement & paid it as per instructions. 
I received Account settled in full letter ... month later same collection co. sends me letter for same debt. I call & XXXX has sent the debt to them again..they state debt verified by XXXX ... I call XXXX and they will update system. i proceed to dispute & send docs to collection co. Now a new collection co is contacting about the same debt ... and said that XXXX just verified the debt ... again just called XXXX and they transfer me from dept to dept .... and I now have to dispute the debt again with this new collection co. the constant report of this is annoying and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I signed up for Citibank 's promotional offer to open a CitiGold bank account and was offered XXXX XXXX miles within 90 days of completing the requirement. I completed all the promotional requirements and Citibank is now refusing to honor the promotion.

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 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my report there is another XXXX XXXX living in XXXX Ohio, with a completely different social security number, spouse and employer. How do they input that information to my report when the only thing that matches is our name? The process Experian requires to correct their mistake is not consumer friendly in the least. 

I have submitted my complaint but would also like to submit this complaint to ensure quick resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX checked my credit said their were delinquinces on my credit report from XXXX experian and XXXX on XXXX/XXXX/2016 serious deliquencey and a number of accounts with delinquencey i have no delinquinces on my credit report at this time through XXXX this information is not true. also no time since deliqunicies on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous times to get these inquiries off my credit report as they are not approved by me. These companies have not granted any credit to me and I want them off my Experian report. I have tried faxing and sending letters and calling Experian with no results. 
1 ) XXXX Bank from XX/XX/XXXX16 & XXXX/XXXX/16 2 ) XXXX from XXXX/XXXX/16 3 ) XXXX XXXX/XXXX/16 4 ) Credco XXXX/XXXX/16 5 ) XXXX XXXX XXXX XXXX XXXX XXXX16 6 ) XXXX XX/XX/XXXX16 7 ) XXXX XXXX/XXXX/16

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