milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I hired someone to assist me in helping me with some items that were due to identity theft and reporting them to the credit reporting agencies. I also faxed my information. I have not received a response and it has been been past the time frame. I have attached copies of everything I sent to them including the agreement I signed giving them permission to help me and contact me on your behalf.

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 03/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Deposits and withdrawals

Complaint: I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.

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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am contacting your agency because I have sent Transunion letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX, XXXX, XXXX, and XXXX. Please help me in getting Transunion to remove these liens from my credit file.

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 10-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX is not an account I opened, or authorized and should be removed. 
Both Equifax and the Consumer Financial Protection Bureau have the settlement agreement on file between myself and XXXX where all XXXX accounts must be removd from my credit file. They are currently still illegally reporting XXXX and XXXX which never belonged to me. Finally, Equifax is reporting a number of fraudulent and illegal inquiries. I 've provided notarized statements as well as police reports advising them that these inquiries are illegal, fraudulent, and should be removed, yet they have refused to do so. These documents are also on file with the consumer financial protection bureau and Equifax. They are as follows : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX Bankcard XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (RI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card through Victoria 's Secret with Commentity Credit Card Services.  My payment date is the XXXX of each month. I post the payment myself every XXXX. They are charging me late fees because the payment is posted past XXXX XXXX on every XXXX, and will not take the late fees off of my account because it is made past XXXX on the XXXX. However, my payment is still the XXXX and the payment is processed for that day. They can only make one refund credit each 18 months which they did for XXXXXXX, but will not refund any further. They said they could they would refund one month but not any further months. They have charged me an extra {$260.00} in late fees for paying past XXXX on the XXXX which is my due date, making my bill {$660.00} instead of {$400.00} dollars. I have spoken to XXXX, the highest manager of  commenity who said they will only refund one month and no other months. I want these late fees taken off because i do process on the XXXX which is my due date and he would not help me in any way shape or form and was very rude to me. The late fees also range anywhere from XXXX $ to {$37.00}. It was XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, then XXXX. When I asked about the inconsistencies he said that they have the option for it to go to up to {$37.00}, but then they went back down to {$30.00}? I want to pay the bill of and told XXXX in the future I would set it to draft by the XXXX each month automatically but he refused to reimburse me when I have made the payment every day on the XXXX, but is explaining I have n't because it was between the hours of XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (VA mortgage) with Ditech Financial LLC (NC).
Issue: Credit decision / Underwriting

Complaint: I experienced a foreclosure. The loan that I took out in XXXX foreclosed in XX/XX/XXXX. XXXX was the highest bidder and purchased the home for the price of {$200000.00}. The Deed of Trust that was foreclosed on was only for {$170000.00}. Fannie Mae actually made money on this transaction as the XXXX mortgage had been cancelled. There was no deficiency that they could come back and charge me for. A new homeowner has been living in the house and paying taxes since XX/XX/XXXX. I applied for VA loan for a new home recently and discovered that Ditech Mortgage is reporting on my credit report and to XXXX that I still owe them over {$160000.00} for the remaining balance of the loan. They have been paid in full and want to collect from me and are blocking the purchase of my new home. I have lost {$750.00} in due diligence money that I gave in good faith and {$370.00} for the inspection fee and {$500.00} for the appraisal. All because they have not removed a foreclosure from their books. I am a XXXX Veteran and this entire experience has been beyond discouraging. I feel confident that these types of practices is why the Consumer Financial Protection Bureau was set up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Thank You for your help, i have a account with bank of america. I knew my balance was low so on tues XX/XX/XXXX i checked my account on line at XXXX it was ok, so i headed to work i start at XXXX i am a XXXX so the time i checked my account was on wed XX/XX/XXXX at XXXX i seen that the bank had charged me {$35.00} for not having insufficent funds ( - {$6.00} ) i called the bank and i explained that i checked my account on XX/XX/XXXX at XXXX i explained to garret the supervisor what happened that the bank was closed from XXXX to XXXX a total of 15 hours common sense would tell you this is not right i told him that he should refund my money because i was not given enough time to correct the problem he refused..

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 03-05-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: Macy 's has reported multiple late payment remarks to the credit bureaus for {$2.00} that was past due because of a fee that Macy 's charged then charged a late fee interest on top of the 1st fee assessed. I called Macy 's on XXXX and they have stated the problem has been fixed and that there was n't any late payment even though my credit report shows it. I 've attached all of my documents. The credit bureaus have still done nothing to help as well and I 've already submitted requests to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Late fee

Complaint: I purchased XXXX item on XXXX/XXXX/2016 using my BEST BUY credit card which is managed by CITIBANK. I do n't use the card that often so it 's not a bill I get on a regular basis. About a month after my transaction, I realized that I had not received a statement. I went online and found out that I had been switched to paperless billing against my knowledge. The bill was due that day so I used my bank 's online bill pay to pay the balance in full. I contacted CITIBANK and told them that they never sent me the bill and that I had paid the balance in full. Another month went by and I did not receive a statement. Since I only get statements when I have a balance I assumed everything was fine. An email was sent a few days later stating that I needed to pay my bill. I checked my account online and saw that I had been charged a late fee. I contacted CITIBANK and contested the late fee and told them again that they were in error. I thought the issue had been resolved. A week ago, I checked my account online and CITIBANK never took the late fee off and they charged me another late fee for not paying the first erroneous late fee! They have charged me XXXX late fees for XXXX transaction that they never billed me for! The bill was electronically paid in full the day that it was due. This has been going on now for three months. They have started calling me multiple times to pay these late fees. 
CITIBANK : 1. Switched my billing preference to paperless against my knowledge or consent. 
2. Never sent me a bill ( three months later and still no bill ) 3. Even though I paid the bill in full when I realized their error, they still charged a late fee. 
4. Charged an additional late fee for not paying the first late fee. 
5. Harassing me every day to pay these bogus late fees. 
I have excellent credit. I pay my bills on time and work very hard. I am sick and tired of companies taking advantage of people. I believe that CITIBANK intentionally switched me to paperless against my knowledge. I will not pay these fees! My balance should be zero on this card.

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 02-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Please refer to my CFPB complaint " XXXX '' dated XX/XX/2018. 
Wells Fargo denied me the {$200.00} cash back bonus with the reason that the {$500.00} direct deposit should have happened for 3 consecutive months in the response to that complaint. 

Now please refer to the complaint ( XXXX ) of my spouse " XXXX XXXX '' to CFPB about the same Wells Fargo promotion. He also failed to have {$500.00} direct deposit for 3 consecutive months. But Wells Fargo honored the {$200.00} cash back bonus for him. Why there is a discrimination or different treatment by Wells Fargo for different customers? 

I had 3 direct deposit of {$500.00} during XXXX and XXXX and I have initiated the direct deposit again to this account now. 
Wells Fargo please honor your {$200.00} cash back bonus for me also.You have to treat all your customers equally.

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 01/16/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: MIDLAND CREDIT MANAGEMENT REFUSES TO PROVIDE ME A WRITTEN OR DIGITAL PAYMENT HISTORY OF PAY- MENTS MADE TO XXXX FOR A CREDIT CARD FIRST OPENED ON XX/XX/XXXX. THIS HAS BEEN ONGOING SINCE XX/XX/XXXX. ALL I RECEIVE ARE A FEW CREDIT CARD STATEMENTS FROM XX/XX/XXXX AND XX/XX/XXXX AS WELL AS A BILL OF SALE DATED XX/XX/XXXX SHOWING MIDLAND ACQUIRING THE ACCOUNT FROM XXXX. THE BILL OF SALE STATES THAT ALL INFO PERTAINING TO THE ACCOUNT WAS TURNED OVER AND THE PAYMENT RECORDS ARE/WERE MAINTAINED IN THE BANK 'S DATABASE. I MADE MONTHLY PAYMENTS FOR YEARS TO XXXX AND MIDLAND IS UNABLE OR UNWILLING TO VERIFY MY PAYMENTS TO SAME. I WILL NOT AGREE TO THE ENDING BALANCE DUE UNTIL I SEE PROOF OF MY PAYMENTS. THE COLLECTION LETTERS KEEP SAY- ING MIDLAND WILL PROCEED WITH COLLECTION ACT- IVITY AND SAY NOTHING ABOUT FURNISHING MY REQ- UESTED INFO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to the recent breach of the databases at Equifax, I have been notified that my SSN, credit report, and personal information may have been compromised. I have put a 90 day credit alert on my report with XXXX and would like to file a claim here ; as in the case that any of my information is misused and my credit suffers it is on Equifax for their inability to guarantee the security of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with STATE FARM BANK, FSB (MN).
Issue: Credit card protection / Debt protection

Complaint: I had a credit card account with State Farm. In XXXX of XXXX I paid off the amount that was due in full. I then phoned them to close my account and to confirm that I did not owe any more money. At no time did they advise me to get a pay off amount or to check back with them about possible further charges. I requested and received a letter saying that my account was closed. I heard no more from them, received no letters, emails or calls until today ( XX/XX/XXXX, 3 months after closing the account ), when I was phoned saying that I owed residual interest for 3 months! I kept asking to talk to someone higher up. Finally I got to speak to an individual named XXXX, who said that they would review the situation. When I said that I thought it was outrageous that at the time of closing my account and paying the balance in full, I was not advised that there might be further charges and I was not contacted for 3 months in any way while those charges accrued, XXXX proceeded to interrupt me and not let me speak. When I asked her to not to be so rude and let me finish my thought, she hung up on me. Not only do I believe I 've been scammed, but they were also rude to me about it! In a nutshell, should n't credit card companies inform you that you may accrue extra interest charges when you close your account and pay in full and secondly that they should contact you, at least monthly, to inform you that you owe them money, and not wait 3 months while interest accrues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax validated this account as accurate and correct, even though the creditor responded that the account would be closed and deleted in response to my dispute. Equifax would not provide any method to get this item deleted from my record. The told me on the phone that their investigation was complete and that it was validated and the information would remain. I explained I had a signed letter from the creditor and they would not provide any way for me to submit this information to them in regard to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.

Company response to consumer: Closed with explanation