milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint involves Wells Fargo Bank. In 2013, I received an auto loan through Wells Fargo Bank for the amount of {$6000.00} to purchase a XXXX XXXX pick up truck. The loan was co-signed by XXXX XXXX. XXXX filed for bankruptcy a few months after the loan had been established. I continued to make the monthly payment to Wells Fargo Dealer Services for several months. The truck was involved in an accident when my wife rear ended another vehicle. The XXXX XXXX was deemed salvaged. My insurance company at the time, XXXX, obtained a payoff amount from W.F. Bank. They issued the check and mailed it to the designated post office box. I called several times inquiring on the status of the payoff and was told by numerous Wells Fargo employees that it can take several months for the payoff check to be processed. I ran my credit and noticed that Wells Fargo had reported that I was late on my auto loan payment. I immediately called and was told they never received the loan payoff check. I contacted XXXX XXXX and was provided proof that the check had been issued and mailed to Wells Fargo. I got on a three way call with Wells Fargo auto loan customer service and my XXXX XXXX claim 's representative who confirmed to Wells Fargo that the check had been issued months ago. XXXX obtained a physical address from Wells Fargo which they could send a new payoff check to along with tracking information. Wells Fargo received the check within the week. They are now reporting to my credit that the charge off amount is {$1.00}. I have been to several branch locations and spoken to several " managers '' who assured me the error would be removed from my credit. I recently applied for a Wells Fargo credit card and was denied due to having a late payments to W.F. in the past. Meaning they are still reporting this erroneous account on my credit. I have never been late on any payment and I have no idea why Wells Fargo refuses to remove this from my credit even though they assured me ( I 'm sure just to get rid of me ) it would be take care of. I would really appreciate any assistance you could provide me. I have tried to work with Wells Fargo but am at my wits end. 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 non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my third complaint in regards to being a victim of identity theft and a fraudulent and unauthorized account and hard inquiries listed on my XXXX XXXX, XXXX and Equifax credit report. I have filed 2 police reports in regards to the fraudulent and unauthorized account and hard inquiries listed on my credit report. The following account and hard inquiries are fraudulent, unauthorized and do n't belong to me, I never applied for any account or hard inquiries with the following creditors : XXXX XXXX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX-XXXX,XX/XX/XXXX, XXXX XXXX-XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had been trying to get a copy of my credit report from Equifax Reporting Agency for over a year. I placed a fraud alert with the other credit reporting agencies after I became a victim of identity theft. I also created an Identity Theft Report with the Federal Trade Commission. On XXXX, I placed a dispute investigation online with Equifax which enabled me to finally see a copy of my Equifax credit report. I noticed that Equifax has been sending copies of my credit to an incorrect address and they have a couple of addresses listed as belonging to me that are also incorrect. I updated the correct information and placed a statement on my credit report. Today, I got an email from Equifax saying that they corrected my report but Equifax still has the same incorrect information. My address is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never live in XXXX, XXXX or XXXX, XXXX or XXXX. I do not use my initials or my middle name as my first name. I sent all the information showing this and Equifax has been sending my information to the wrong address. I am also requesting a seven year fraud alert to be placed on all of my credit reports since my personal information has been going to another address for years. My correct mailing address is : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
XXXX XXXX XXXX XXXX ( no acct # noted ) Unverified Account

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 10-04-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I been doing everything in my hands to solve the burden of my property for the past XXXX months with my lender. I did applied for a modification, I was denied, I did tried to do a shortsale with the help of a Real Estate Agent, this option was denied, Now I trying to sell the property as a regular sale. but the lender is not whiling to provide me with an extension to complete this process. My XXXX XXXX XXXX XXXX  my XXXX and XXXX of my XXXX, all being XXXX XXXX. This repulsive behavior resulted in criminal charges, I also requested to the court to obtaining a Quit Claim Deed or a Power of Attorney authorized to sell the property, but my XXXX XXXX on title, XXXX XXXX declined the request. Due to the attenuant circumstances my real estate agent requested a petition from the court to obtain a quiet title. This process would take several days or additional weeks. I been in requesting additional time to my lender, without a successful petition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: trying to remove these accounts  XXXX , from  XXXX , equifax, and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.

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 10-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to any of my numerous requests to investigate, verify and remove XXXX account from my credit report that was opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the accuracy of a Ch XXXX Bankruptcy with Equifax in XXXX. On XXXX XXXX, I received the results of the investigation and the Bankruptcy was deleted. When I checked my credit report on Equifax monitoring service on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was removed from my report. When I checked again on XXXX XXXX, 2016, the Ch XXXX Bankruptcy was reinserted without any 5 day notification from Equifax. This is a violation of the FCRA. I insist that the Ch XXXX Bankruptcy be deleted according to the provisions of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My XXXX Account was transferred to a new owner of a business I sold in XX/XX/XXXX. She notified XXXX of the change in ownership and submitted the necessary paperwork to take responsibility for the account when the account was in good standing. She later ( in XX/XX/XXXX ) declared bankruptcy and had a negative balance on the account, and XXXX is pursuing me to get the negative balance of $ XXXX repaid rather than pursuing her in bankruptcy court. I have provided documentation on the business sale, a tax form from XXXX which does not indicate any connection to me or my social security number ( I have no relationship to XXXX ), the letter I sent to the collection agency and XXXX, and an email from the actual owner taking full responsibility for the account and stating that she transmitted all necessary documentation to XXXX to transfer the account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Dynamic Recovery Solutions, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They use a robo phone to contact me and threaten mme with a XXXX year old debt that 's not even mine. 

They harass me all day and will not provide any documentation as to what the debt is XXXX on a Visa card??? That 's what they say I owe. That 's fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last year I made a construction loan and began inquirys of several different leanding agencys to secure permanent financing of my home ... my goal was to REDUCE my interest rate and to gain FIXED rate financing on the home. I contacted XXXX ( or XXXX ) different sources and was able to secures a fixed rate below 4 % ... ONE goal ONLY and yet my credit scores began to drop ( a total of appx. XXXX points ) in the process. Is THIS proper? I do n't think it 's the intent of credit reporting agencies to penalize anyone 's rating for do9ing the RIGHT thing ... please investigate and remove these " hard Inquirys ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
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Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
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I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.

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 08/18/2015 about Debt collection (Medical) with Allied International Credit Corp., (US) (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX continues to hire collection agencies to hound me for a bill that I have already paid. I have sent proof of these paid bills to XXXX but they refuse to accept it. 
I explained to the XXXX XXXX collection agencies, from 2012, what was happening and I have n't heard any more from them. The XXXX Collection agency sent me a letter last week asking for payment. 
I would like to settle this so that they hounding me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this debt just appear out of nowhere on my credit report

Company response to consumer: Closed with explanation