milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I opened a checking and savings account with  Wells Fargo  late  XXXX   XXXX . I specifically said I only wanted a checking and savings account and nothing else. A couple of weeks later in  XXXX   XXXX  a credit card shows up at my door step. I specifically did not ask/want the credit card. I activated it a couple of weeks later. I called them  XXXX   XXXX  and asked where the card came from, no good response. I called them  XXXX   XXXX , after the whole banking scandal, no good response.     I then checked my credit report  XXXX   XXXX  and saw that that they did a hard credit pull on my account for that credit card. I called them and told them I did not authorize it and they did not tell me they did a hard pull on the account.  XXXX   XXXX ,  XXXX  I talked to one of their customer service reps and the guy said if you cancel the card we can send a letter to the credit bureaus and retract the credit pull. I said fair deal. I got a call today  XXXX   XXXX ,  XXXX  and the guy was from " executive '' relations and he said that is not something they 're going to do because I " benefited. '' Well they 're not removing the credit pull, I closed the card, and I lost the points I accumulated.     Basically, it 's the worst customer service I 've ever had and least amount of answers to my questions. I 've NEVER, EVER had a credit card or bank account for less than a year from opening. I 'm usually the type that rolls with the punches but  Wells Fargo  was really good at driving me away.

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 08/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: hard credit inquiries that i did n't submit XXXX XXXX BANK XXXXXX/XX/XXXX XXXX, XXXX XXXX BANK XXXX XXXX, 2015 XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX BANK XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Clothing Stores XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XX/XX/XXXX XXXX, XXXX XXXX Credit Card XXXX. 
XXXX BANKXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXXAll Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXXPersonal Loans Cos. 
XXXX XXXX IXX/XX/XXXX XXXX, XX/XX/XXXXMiscellaneousTelephone Companies XXXXXX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXAll Banks XXXXXX/XX/XXXX XXXX, XXXX XXXX, XXXXMail Order Firms XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Home equity loan or line of credit) with Sortis Financial, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our current credit report shows over many consecutive months of late payments to Acqura/Clearspring Loan Services for our loan that are completely erroneous and destroying our chances of refinancing before XXXX our mortgages come out of the interest only phase and/or variable interest rates begin to ramp up. 
XX/XX/XXXX becuase automatic payments and online payments did not seem to be available, we made a {$2000.00} pre-payment to Clearspring to pre-pay all monthly minimum payments through the remainder of the year to ensure that no late payments could possibly be reported. 
XX/XX/XXXX we continued to receive monthly statements from Clearspring showing that a payment of {$0.00} was due. However, in our current credit report, Acqura/Clearspring has been reporting our payments as 30 days late every month XX/XX/XXXX, save for XXXX. 
I can not tell you how frustrating this is as a consumer. We have been racing against the clock to refinance our XXXX homeloans and have been stalled twice now by XXXX 's reporting of late payments. Like many consumers concerned about late payment reporting, we consistently set up automatic payments and bank withdrawals with our lenders to avoid this very thing, however, XXXX 's online auto-pay sign up system has failed on numerous occasions XX/XX/XXXX without alerting me that the auto-pay function was not available to set up online. 
I then phoned XX/XX/XXXX to ask for auto-pay to be set up and paperwork was supposedly sent to me to do so. The forms never arrived and as a result, our XXXX payment was made after the due date further affecting our credit report. I followed up to ask for the paperwork again, which did finally arrive in XXXX. I completed the forms and returned to Clearspring and never heard back. 
XX/XX/XXXX I phoned XXXX to ensure that the payment would be made on time and found out that my auto-pay request had been denied. No one had attempted to contact me to inform me of that or why. During that phone call, I found our that XXXX declared my requested withdrawal date XXXX the XXXX of the month ) to be too far after the payment due date. What they did n't consider, for some reason, was that I was actually requesting the XXXX of the PRIOR month to be the withdrawal date to be extra precautious and to spread one of our automatic payments to a different time of the month. 
I am concerned that business practices at Acqura/XXXX place a too-high burden on its customers for making consistent, timely payments. At the same time, the company 's erroneous record-keeping and reporting are damaging people 's lives and threatening to further erode the slow gains the nation 's economy is making.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Signed up for the XXXX XXXX credit card offered by XXXX XXXX on XX/XX/XXXX, with an advertised sign up bonus of XXXX points after {$3000.00} in spend. Spend requirements were completed on XX/XX/XXXX, but XXXX/Synchrony have only posted a XXXX point bonus. This is a standard bait and switch

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: XXXX  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agency,  Especially  Equifax and  XXXX ,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All  XXXX  credit bureaus are not allowing me to dispute this account online now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a name on my credit report that is not mine nor has it ever been mine. Not sure how long it 's been there because I just noticed it and I do n't check my credit report as regularly as I 'm sure I should. I attached a picture only one of those names is correct. Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX I pulled my Equifax Credit Report and noticed an account XXXX Account # XXXX on my report. On XX/XX/XXXX I disputed the information, XXXX Account # XXXX by sending a certified letter ( see attached ). I pulled my report several times after and the item was removed as evidenced in reports dated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit alert and when I pulled my credit on XX/XX/XXXX discovered that Equifax had reinserted the debt! I was quite alarmed. This is a violation o the FDCRA and I need your help. Please know that I filed a similar complaint with you on XX/XX/XXXX Case Number:XXXX as Equifax did the same thing to me once before and they immediately deleted it. Clearly, they are willfully and maliciously sabotaging my credit report. I am asking that you to please help me. Please see all the attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NEW YORK COMMUNITY BANK (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XX/XX/XXXX mortgage payment is being reported as past 30 days due on my credits history even though I have proof of payment delivery on Saturday, XX/XX/XXXX. The mortgage company, New York Community Bank ( " NYCB '' ) has responded to my written inquiries that although the payment was delivered to the payment address of record on XX/XX/XXXX it was not received on a business day and therefore it is posted on the next business day which was XX/XX/XXXX. It is my assertion that the payment receipt date should drive the credit reporting date to determine late payments not an arbitrary payment posting date determined by the financial institution. The fact that the financial institution arbitrarily posts a payment in their system based on business day does NOT change the fact that my payment was received on a XX/XX/XXXX and should be reported as 30 days past due on my credit report. I have requested a correction via 2 separate letters to no avail. I would like my credit report correction to reflect timely payment for XX/XX/XXXX mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate.

The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance.

I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem.

I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor.

I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with AFNI INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i disputed XXXX public records on my credit file with experian, XXXX district XXXX, XXXX co XXXX, XXXX, XXXX, XXXX, experian verified the information, experian said if i had questions contact the courthouse, so i contacted them the lady i spoke too said they dont verify anything with the credit bureaus, so experian didnt do a real investigation, thats fcra violation and the accoutns should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Freedom Mortgage continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against   XXXX   and the creditor because it 's an error and it 's a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/<YYYY> I got in touch with the Loss Mitigation department from LoanCare where they were asking for my XXXX COMPLETED SIGNED AND DATED BY ALL to be signed and completed by all. This was part of the requirement in addition to the XXXX that I submitted. I followed up with Loss Mitigation on XX/XX/2016 via email and voicemail, but havent heard back from them. I called them today as well and am still waiting to hear back on where we are with the form. I placed a call but get disconnected when I enter my information or try to login to my account online to schedule a payment. It is almost a month since I heard from them regarding this form and would like an update.

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 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form

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. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: X/XX/17 I have gotten a consumer credit report and noticed a lot of unauthorised access to my credit I have about XXXX companies with XXXX inquiries I sent dispute letters to the company 's and the credit bureaus I have had no response from neither the company 's or credit bureaus.

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 02-10-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.

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 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: XX/XX/2015 called XXXX Trans Union to place Credit Freeze on my credit report. I was told it would cost $ 10- so I said I would give her my CC # and she said there was a {$1.00} fee to use the credit card. That was all she disclosed. I gave her my CC # and was told a credit freeze was in place until I removed it. XXXX XXXX, 2015 there is a {$17.00} charge on my CC # from Trans Union for I do not know what. I called them and was told I agreed to some sort of credit protection-I assured her I had not and she said I did that it is clearly stated on the web page-I told her I had called to place the freeze and she kept on about a contract. I have been a XXXX for over XXXX yrs ... ..I know full well and good when I have gotten involved with a contract and there is no contract. I told her I want my {$17.00} back and the account closed and she started to tell me some of the features. I already have fraud protection elsewhere-to cancel and refund or I would escalate this situation. Only then did she say she would close it but it was already paid for so no refund. I explained I would dispute with my bank. This is a credit reporting agency ... ... ... conducting fraud. I know the difference, I have seen it XXXX of times. Something needs to be done - this is inconceivable, who are we supposed to trust? This is a public violation of trust and has to be in violation of credit regulations. Please confirm this account is closed and this does not happen to anyone else. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation