milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX Wells Fargo Bank took {$15000.00} from my wife and my business checking account - my wife and I were using that money to survive - to pay food bills, XXXX XXXX XXXX XXXX bills, and basic needs. We have a small business and like millions of Americans suffered financially in the Great Recession. I was hospitalized several times due to XXXX  and severe business financial loss. 
the woman from wells fargo who called me was very mean spirited, abusive, threateing XXXX XXXX or XXXX   is her name. 
prior to seizing the {$15000.00} from our account., Wells Fargo XXXX stole '' money from XXXX XXXX XXXX personal life savings which the terrible vultures have since returned. 
I felt like XXXX XXXX XXXX XXXX  XXXX against the evil unremitting police detective It was evil to take money from people in mid seventies I would have worked out a repayment deal with these unforgiving merciless XXXX XXXX - white collar criminals I would be willing to work out a repayment if they return the {$15.00} we were advised to file BK, and did not for we want to repay people who trusted us to loan us money ( Wells Fargo included ) They did return the money they took from my wife 's account ( taken before XX/XX/XXXX and the amount was about {$17000.00} - the rats returned it. Possibly because they took the money from my wife 's personal wells fargo savings account and probably did so illegally - Wells Fargo has put {$250.00} XXXX dollars in a fund to pay back people they defrauded in the credit card scam they ran. 
Wells Fargo further deceived us by telling us we had to open a loan ( line of credit ) in order to get our house financed buy Wells Fargo. 
I am so hurt and angry at what Wells Fargo did to my XXXX year old wife and myself I pray justice is done XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans Union, XXXX are reporting a {$93000.00} dollar deb in my credit reports and this is a mistake make by the child support system. After a lengthy proses trough the court systems I was able to correct this problem and the judge finally signed the order to remove the deb. So since XXXX XXXX 2015 my balance is {$0.00}. but this above mentioned credit agencies refuse to remove the information from my credit file despite my efforts to provide copies of the original court orders and XXXX requests to remove it. They just do n't care. Trans Union have the information twice on the same report making my XXXX XXXX X XXXX = XXXX this is what creditors see when I apply for credit that I have an outstanding debt of {$180000.00} and this is impairing me from buying a house or a car. 
I am writing the CFPB as my last resource of dealing with this credit agencies. Please help me with this problem. 
Thanks. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I completed a loan rehabilitation program over 9 months. Most of my loans have come out of default except for XXXX. I was told that they are not eligible and now I have to pay the past due to get them current. Over 3k. I 'm working on my credit score and Nelnet will not work with me. I did my due diligence in their program. Please help if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The company is GM Financial, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. I have recently disputed the account with XXXX and after the investigation, the item was removed. However, XXXX and XXXX state that GM Financial claims this account as mine. I have no knowledge of said account. Note the high amount of the account is only a {$2.00} difference. Appearing to show that in 4 years ( life of account ) only {$2.00} were paid on the account. I do not understand how this is possible. I have never finance a GM product through this company. I had a XXXX that my now ex-husband financed through our credit union years ago. Activity date on GM account is completely off by 3 years from my credit union financed vehicle. This all being said, I 'm not sure how long things are scheduled to stay on an individual 's credit report. Whom ever this account possibly belongs to, it definitely seems it should be achieved at this point. Again, this is not my account and respectfully request your assistance in having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX and my original monthly bill was for {$250.00}, but they 'll charge as high as {$500.00} sometimes XXXX double billing ), I 'd have to spend hours with them on the phone every month to fix the billings issues. I finally got tired of it and switched to XXXX. I received a final bill from XXXX which I paid them in 3 installments XXXX receipts and final bill is attached ). To my surprise, I received a credit monitoring report saying there 's a collection in my account and the original Creditor is XXXX. 

I went to their corporate store to settle the issue and they directed me to call their XXXX number, I called and they directed me back to the store. I also tried to reach the collection agency and they again directed me to XXXX which was just playing games. 

This is running the credit I 've spent years building and I 'd highly appreciate anything you can do to help.

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 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked credit report and I have unauthorized accounts in my report that are in debt collections and I 'd like to get them removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: I was contacted from a person saying he was from Ocwen Mortgage used their XXXX number, claims to be a manager from the modification dept. Promises a modification to whatever amount we could afford ( since we are behind on payments ), and lures is to send through money gram {$1000.00} with an hour to an attorney to start the process. His name is XXXX XXXX continues to call from the XXXX number that belongs to Ocwen and also his own personal number that he told me to call. Continues to request more money! He is harassing me and threatening to foreclose. No one from Ocwen knows who he is they have started an investigation but I 'm still behind on paymentsand after trusting this person saying he was from Ocwen I can not make the payment. I need Ocwen to assume responsibility for this and return the money this person took from me and execute an honest modification.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX    XXXX   XXXX   5.   XXXX  XXXX   XXXX   XXXX   6.   XXXX   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 03-08-2017 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Managing the loan or lease

Complaint: car was total ins co sent ck over. Bank needs to process gap ins claim, also XXXX needs to be refunded to me on ext warranty that was cancel.. 

2. XXXX needs to be refunded as my tax return was not process tax act. 

3 XXXX XXXX refunds are to refunded from XXXX as they were return and was informed not to hip any more product. 

the last time i heard from bank was early XXXX, the above needs to be credit to my act.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: XXXX XXXX XXXX XXXX XXXX, CA - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, VA XXXX RE : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
Your Bank approved XXXX/XXXX/XXXX removed XXXX late payment all major credit agencies .I have a evidence response from XXXX . ( I attached hard copy your reference ) Response ( XXXX CFPB Case number : XXXX ) We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with Capital One # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate Capital One # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact Capital One directly to ensure the account is reporting accurately in their database. 

On XXXX XXXX XXXX Completely deleted on my credit file. 
After seen my XXXX report still remains late payments XX/XX/XXXX.on XXXX XXXX XXXX I requested to removed that late payment XXXX via CFPB ( case # XXXX ) .your bank response was they accurate information reported. ( Response attached ) So after that your bank reported to re -added on XXXX my credit file on XXXX can clearly understood your bank treated me very different way and this is discrimination. 
XXXX already deleted and in future no more late payment on XXXX. So why your bank not help me out to delete XXXX late payment XXXX Please consider all facts and due to maintain good XXXX accounts capital one ( Last XXXX # XXXX / XXXX ) Please removed XXXX late payment XXXX account number ending XXXX. 

Really Appreciated Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or around XXXX XXXX, I received an e-mail alert from XXXX stating that American Express reported my credit card account ( Account # XXXX ) as being delinquent or late for 30 days for the month of XXXX, which is inaccurate on account of the fact that I pay my the minimum amount due by the XXXX of each month ( the billing due date ) and I would normally get an e-mail reminder from American Express stating that I have a new bill for my account prior to the XXXX. I immediately contacted XXXX XXXX XXXX at XXXX on XXXX XXXX to dispute the incorrect status on my report from American Express. On or around XXXX XXXX, I received an e-mail alert from XXXX stating that my dispute results were ready ; however, I noticed that American Express has not taken the proper steps to update my credit report and provide the correct status of my account from Late to Current. I then contacted the Credit Bureau Team at American Express on XXXX XXXX, XXXX at XXXX around XXXX XXXX and I was able to talk to two representatives on two separate occasions ( XXXX and XXXX ) who informed me that there was nothing that they could do regarding updating the status on my credit report despite the fact that I was informed by an American Express Customer Service Representative on XXXX XXXX at XXXX that I needed to contact the Credit Bureau Team to have my report updated. The American Express Credit Bureau Team representatives I spoke to on XXXX XXXX referred me back to the Customer Service Department at XXXX so they could be able to assist me with updating my credit report. Around XXXX XXXX, on XXXX XXXX, I contacted the Customer Service Department at XXXX and spoke to XXXX or XXXX who told me that I needed to call the American Express Credit Bureau Team to have the issue resolved despite my best efforts to explain that the Credit Bureau Team referred me to the Customer Service Department on two occasions. The bottom line is that I had been given the extensive runaround and no one from both departments could not resolve the issue. I have attached copies of my billing statements for XXXX, XXXX and XXXX and the billing statements clearly reflect that I pay my bill either before or on the due date, which is the XXXX of each month.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 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: Account information incorrect

Complaint: I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My old XXXX credit card account that was included with my bankruptcy that was discharged last XXXX of 2014, still appears on my credit report and indicates " Account Status Open - Derogatory ''. The account is not open and should be listed as closed. This is negatively impacting my credit report and I would like it removed. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a large student loan now being serviced by Navient. When I first graduated from college they ( then XXXX XXXX ) had me go into forbearance twice instead of pushing me towards an income based payment plan. Once I got a better job, they had me start paying the loans off. I thought I was making a dent in the principal, but they had me in some weird interest only program. I was young and trying to figure this all out on my own, so I had no idea what was going on. For 3 years I was paying almost XXXX a month thinking I was getting my student debt down only to find out in year 4 that it was all for not. They cheated me out of a ton of money and here I am 9 years out of school with almost 9 years left of paying this loan off. These people are terrible and should be held accountable for their shady actions. They are stealing money from people and it makes no sense. I understand that I borrowed money and need to pay it back with some interest, but they way they conducted business is absolute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I closed my savings account approximately 2 years ago, sorry I do n't have the exact date. Then all a few month ago I started receiving statements with an  XXXX  cent balance. Last month I received a notice dated   XX/XX/XXXX     notifying me that my account was overdrawn in the amount of {$58.00} and the account was closed. The notice as stated that I was still responsible for paying the overdrawn amount and that my account  may  be referred to collections.  <P/> I incurred a monthly service fee in the amount of {$25.00} and overdraft fee of {$34.00}. On XX/XX/XXXX    I called customer service to deal with the issue. I spent over an hour and they were not able to help me, they referred me to go to the local branch. I visited my local branch on   XX/XX/XXXX     and again they were not able to clear things for me.  <P/> I do n't understand how an account that I closed ended up in these issues and now I have to spend all this time to fix the problem.  <P/> I am beyond frustrated and do n't know which route to take.

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