milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Settlement process and costs

Complaint: There are several complaints in and for WELLS FARGO BANK NA but this takes the taco and is unreal to think it 's possible, Whereas Current documents forwarded to CFPB show that WELLS FARGO BANK NA allowed a Veteran and a Senior Citizen not only to be harassed but also tricked by unlawful means to conspire to steal XXXX XXXX Properties by Re- Financing all his land that had already been paid in full without his knowledge or consent and allowed another party/parties to chop up and sell after being notified of encroaching, vandalism and harassment to log illegally was written as a complaint to the companies involved including XXXX XXXX who to this day has XXXX XXXX ; XXXX as the Insured and owner of REAL PROPERTY including the ones XXXX is fighting for in Supreme Court XXXX , XXXX instead of XXXX , XXXX . were it was filed? 
Where WELLS FARGO BANK NA intentionally requested XXXX XXXX Give away his property and pay {$350.00} Knowing and Willingly XXXX XXXX refused to breach his contracts with the " COMPANIES '' mentioned above, so XXXX XXXX filed complaints with federal agencies only to be the PRIVATE LENDER to FRAUD and THEFT when documents show XXXX/XXXX/14 XXXX owner and XXXX XXXX leaser of property and WELLS FARGO BANK NA is notified and ends up allowing XXXX and XXXX XXXX XXXX to Continue the fraud deceit and forgery by way of forefeitures and illegal attacks trying to kill us, also not allowing Insurance company to compensate XXXX for Vandalism but XXXX XXXX and sons receive XXXX XXXX XXXX XXXX to even add Back DECK to home under XXXX XXXX VA XXXX XXXX as well? How is this legal? Leaving XXXX XXXX ; XXXX XXXX and his son XXXX homeless with excuses and burdens to bare. XXXX XXXX never even signed any papers as the primary and supposedly walked in and paid with cashiers " personal '' Check and paid this property off, on the other- hand statements from the Companies state illegal procedure by BANK AND TITLE COMPANIES to XXXX in fraud and forgery.

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 card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2013 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion does not want to update my date of birth correctly on my credit report. I have sent disputes to Transunion on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  with a copy of my driver 's license as proof but to this date, nothing has been done to fix this mistake. Transunion is reporting that I was born in "  XXXX  ''. This is not true! My correct date of birth is  XXXX / XXXX / XXXX . I am including a section of a recent report as proof of Transunion 's mistake.   XXXX   and   XXXX   have the right information but I do not know where Transunion is getting their information from. Why has n't this been fixed?

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 10/24/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When card holders of Capital One US Credit cards make payments to the account they must do so by XXXX EST. Other financial institutions allow you until XXXX EST. Each time that the payment is made after XXXX you get a {$37.00} late fee and hurt your chances of improving your credit with and increase ( I am trying to remodel my home and was going to ask for an increase ) even when you you make the payment on the due date just after XXXX EST. When you call capital one to talk with them about this, you will get told that is their policy and there is never anyone there to give the information to that would maybe pass the idea along to catch of with the reset of the industry. I have made multiple calls to the but clearly it never goes anywhere. 

I am very responsible and I am a XXXX XXXX XXXX who has been working 7 days a week for 12hrs a day because of the recent hurricanes and when i called them after work at XXXX on XXXX to try and XXXX XXXX the money tonight so i would not be late, i was told that any payment weather XXXX XXXX or through my account, would be considered late after XXXX EST. I have made the payment a few years ago at a XXXX union after XXXX and it was n't late, that has now changed. Why are they making it harder to make payments and punish the consumer for trying to make a payment on the day it is due. 

If you are in PST ( CA, OR, WA ) you only have until XXXX your time. Why is this even a thing? This is XXXX, something needs to change. I am sure if this is happening to me its happening to more people.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 non-monetary relief
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: I deposited a credit card check, drawn on XXXX XXXX XXXX, on XXXX XXXX, 2016, for the amount of {$1000.00}. My bank, Wells Fargo, made {$1000.00} available to me. Then, the next day, the check was returned. Because Wells made the funds available to me, I spent approximately {$400.00}. Wellsfargo took the funds back, and now I have a negative balance. I 'm homeless. Wells Fargo is not able to help me. Some agent and or principle of the bank needs to credit my account so that I can buy food, clothing, and shelter. 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 explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX     2017  I reached out to MCM Collection agency to figure out a debt that was marked on my credit reports. The company told me that I did not owe a penny and the accounts should not be on my credit reports anymore. They sent me a letter in the mail stating this. However when I disputed this on all  XXXX  credit reports they came back verified.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I decided to put a freeze on all three of my credit reports. I received a letter from my loan organization, XXXX XXXX Bank, with the 3 web addresses listed on them to freeze my files. I did XXXX and XXXX first, which was so simple I could n't believe it. When I went to TransUnion 's web site, www.transunion.com, I went to the left bottom of the page where it had a link " TU Credit Lock. '' Having done it twice already on the previous 2 credit sites, I proceeded to put in my information. Well, on the right side of the page, in a block that is not very large, it says " You have chosen Credit Monitoring for {$19.00} per month. '' Why it did not say this on the very blocks where I was filling out my information instead of on the side of the page, I do not know. Or yes, I do know - TransUnion is tricking people. You think you are putting a lock on your credit report but you are really subscribing to this credit monitoring service. So when I did n't get a PIN number at the end like I did for the previous 2 sites I went into to lock my credit, I called TransUnion and found out that I subscribed to this service. They cancelled it for me, but of course, I HAD TO PAY FOR THIS MONTH. TransUnion is ripping people off with this method. They are tricking people. The other 2 sites are so simple to use. TransUnion should be ashamed of the way they do business. If the link had said " Credit Monitoring Service '' I never would have clicked on it. But it said " TU Credit Lock '' and that 's what I THOUGHT I WAS DOING. DECEIVING!!!!

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 02-08-2017 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: APR or interest rate

Complaint: I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take Notice!

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have contacted Experian and XXXX regarding student loans from XXXX that are 13 yrs old and 8 yrs old that are showing closed on my credit file. I have dispute a number of time explain that this information is old/outdated and should not report on my credit file as this information is outdated. on XXXX/XXXX/XXXX I have spoken to US Department of Education and XXXX and Experian Regarding this outdated account and Us Dept of Education tell me that this account is no longer in there office and has been forward to a outside collection agency.They tell me that this information should not even be on my credit file since it so old and outdated. XXXX and Experian are tell me its on a 30 day cycle to be investigated and then they already tell me twice back in XXXX XXXX and XXXX XXXX that I dispute this information that it has been investigated as accurate. The fact is that these several account are way over 7 years old and are in Violation of the Credit Reporting Act Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I scheduled a payment online to Ally Bank. I had done one payment for XXXX and then scheduled another payment for XXXX at the same time because I was going to distribute the payment over XXXX different accounts. I went back in and edited the payment back to my original account after receiving my XXXX bonus. I tried logging on XX/XX/XXXX to check and make sure everything worked out and could not log into my account because Ally was updating their website and no one could access their account online nor were any representatives available from XX/XX/XXXX through XX/XX/XXXX because of the holiday. I finally got a representative on XX/XX/XXXX who gave me a reference number XXXX and said she saw that I did indeed make a payment. I also explained to her that Ally was reporting my payment as late and because of their error my credit protection monitoring sent me a message that my credit dropped XXXX points. She told me to call back on XXXX XXXX and give the ref. number and speak with a supervisor. I called back XX/XX/XXXX and was told to call back on XX/XX/XXXX they were still working on my case. Om XX/XX/XXXX I called back and the matter was resolved my payment schedule was update and Ally also reported this to the credit agencies. I made my next payment on XX/XX/XXXX and I also my XXXX free credit reports. I am a single mom who wants to buy a home, works full time and XXXX so I have been working very hard on building my credit. I saw that Ally had reported the payment I had called and resolved again as late. I put in a dispute through my free credit report agencies and uploaded the information that showed the resolving of my matter. In the mean time I had called back in hopes that I could resolve the matter with Ally and talking to a supervisor named XXXX who I told check my payment record I was told in the notes it said I paid on time and I also printed my payment list. She was very rude and told me there was nothing she could do. I checked my payment history after speaking with her and she had gone in and changed the history to make it look like the second half of my payment was late which I consider to be fraudulent. I am attaching the history on XX/XX/XXXX which reflected my on time payments made on XX/XX/XXXX. I am asking that my payments be corrected to reflect the correct payment history and that my credit be restored to what it reflected after XX/XX/XXXX. 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 explanation
Consumer complaint received 07/13/2016 about Mortgage (VA mortgage) with The J. G. Wentworth Company (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I originally submitted this to the XXXX and the Georgia Department of Banking and Finance. The GA DBF responded that they had no jurisdiction, and recommended that I contact you. The original complaint follows : XX/XX/XXXX I moved to XXXX GA from California, and purchased a home. It was initially financed by XXXX XXXX. For the record, I have made every payment on time, without fail. XX/XX/XXXX J G Wentworth apparently purchased my loan or purchased XXXX XXXX. Since that time, I have had nothing but trouble with Wentworth. I am a XXXX Veteran, and as such, I pay no property tax to XXXX County. I have furnished Wentworth with the appropriate documentation certifying this. Today, for the fifth time, I was on the telephone with Wentworth, trying to get them to understand that I pay no tax. Why, you might ask, was I having this conversation? Once again I got my payment notice, and ascertained that my payment was going up, because of an escrow shortfall. The shortfall was due to the need to withhold for property taxes. After spending 25 minutes on the telephone with Wentworth 's representative, I asked to be transferred to her supervisor. After being on hold again, this time for ten minutes, a person purporting to be a supervisor came on the line. I explained to him the circumstances, and that I could not seem to get through to his representative that as a XXXX veteran, I do not pay taxes. His statement to me was that the law required them to hold in escrow an amount to pay taxes to XXXX County. By his own admission, I have provided them with the appropriate paperwork, and they have also spoken to the Tax Assessor for XXXX County, to the effect that there are no taxes due on my property. Also according to this " supervisor '' if Wentworth does NOT pay anything to the Tax Assessor, any money held in escrow would have to be refunded to me. I asked him why, when he had all the documentation necessary to verify that I do not pay taxes, would they then withhold an extra amount to taxes. His answer was that the law required them to. After chasing this circular argument for several minutes, I asked to speak to HIS supervisor. I was told that he could n't do that. At this point, I was so frustrated that I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home

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