milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OK).
Issue: Account opening, closing, or management

Complaint: Wells Fargo XX/XX/2015 took {$16000.00} from my credit line, and put in somewhere? I did not do it as I always pay every credit card in full each month and monitor the account. I had to change all of my account numbers, change all of my autopays, such as water, trash, electric, XXXX, etc, and not one answer as to who transferred that {$16000.00} and to where. It caused me hundreds of hours, on the phone on hold filing complaints, as a working mom, to deal with this and correcting all the autopays, And! I was not going to pay for interest on something I never would have done! OK, that finally got fixed. I moved to Oklahoma because my father died and I still had WF, on XX/XX/XXXX, after moving clear across the country with all of my belongings and not even having a home, they did it again! This time it was even worse, because there are not WF offices in Oklahoma, I again, spent days on the phone trying to fix this situation because it affected all of my credit and debit cards, it was the only bank I was dealing with at the time. It was a nightmare and the most stressful time of my life.

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 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have fraudulent items on my credit report. I have inquires that I did not apply for as well as names and addresses that do not belong to me.I am a victim of Identity Theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by XXXX, Equifax and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted XXXX, Equifax, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a loan on a piece of property on the Florida XXXX XXXX with Wachovia. Wells Fargo bought Wachovia, so the " lot '' loan transferred to them. After the real estate market crashed, the loan was up for renewal/refinancing in 2012. Obviously, it was upside down. We initiated contact with Wells Fargo on refinancing and they insisted we come up with $ XXXX and they told us they were going to increase the interest rate to 6+ percent ( rates were 3 to 4 % at the time ). We had perfect credit, with scores at or above XXXX. We explained that we were happy to continue paying on the loan but could not come up with the $ XXXX cash they needed. " XXXX '' informed us if we just did n't pay for 60 days then the loan would go to a different committee that would be more flexible. We followed his advice. At 60 days, after many phone calls initiated by us, we finally reached a lawyer that said they were about to initiate foreclosure proceedings. She was surprised to hear we were still willing to make ( full ) payments and had informed Wells Fargo of this. We explained everything we had been discussing with XXXX and she informed us he was on leave. She advised we could continue to make payments at 0 % interest, no foreclosure, and they would just take the loan " off-ledger. '' Although we had never heard the term " off-ledger '' we agreed. Since that time, for over 4 years, we have made every single payment. However, our credit report shows as if we have not made a single payment for 4 years and looks the same as if it is foreclosed. We have written letters -- to no avail.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a bank of America credit card with a XXXX credit limit. 

I made a payment online of {$4500.00}, but I accidentally typed {$45000.00}. 

BoA let the payment go through ( which seems crazy - what if i typed in $ XXXX ). 

Oh well, my bad. This overdrew my checking account by approximately {$40000.00}. I immediately called BoA and told them cancel the payment and send the money back. They said they " sent the money back '' to my checking account. The credit showed up min my bank the next day. All was good. 

A day later, BoA AGAIN debited my account for {$45000.00}. when I called BoA the second time, they said that they are have to run it twice and that they will not stop trying to clear the {$45000.00} from my account. 

This was news to me. The first time I spoke with BoA they they DID NOT tell me that they would try to run it again. If they did, i would have put a " stop pay '' on it with my bank. 

I spoke with XXXX at Bank of America on XXXX around XXXX AST. 

Be careful paying your bills online with Bank of America. Their system is flawed and does n't ' have you review the amount you are paying. And if you enter the wrong amount, they will not actually let you correct it - they will lie to you and tell you it 's corrected, but then they say " oops, sorry the person you spoke with last time told you that. There is nothing we can do. '' I think they did this to encourage me to open a checking account at BoA.

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 08/24/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (WV).
Issue: Trouble during payment process

Complaint: Although I had paid the loan ahead onXX/XX/XXXX in the amount of {$5800.00} for a {$350.00} a month mortgage, I continued to pay ahead and made another payment of {$3100.00} on XX/XX/XXXX which should have paid my mortgage up throughXX/XX/XXXXI am now getting foreclosure letters dated XX/XX/XXXXstating they well be attempting to take my home in a few weeks. This is absurd and I will be contacting an attorney to have the entire loan negated if not resolved immediately and my credit record repaired. The Foreclosure Specialist, XXXX XXXX, also needs to contact me personally to resolve and avoid further litigation. I am tired of big business stealing from citizens at every opportunity.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and XXXX list the name as XXXX/XXXX and Equifax list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (MD).
Issue: Trouble during payment process

Complaint: I sent a payment via negotiable instr ument ( p romissory note ) which is legal tender according to th e 1912 Hague treaty and the U.C.C. laws of the United States. To Nations Direct Mortgage/  XXXX  for full payment of mortgage on my propery. This institution accepted and received payment which is acknowledged in the letter that I have attached from them in this complaint. They were at that time only asking for the intrest that accrued from the time of reciept of instrument to when they recieved payment from Treasur y Dept.  That letter was also responded to and another negotiable instrument was issued to cover that amount.  Nations Direct  Mortgage is in violation of the terms of the note. They did not notify me that they recieved it within the 3 day period alotted by law. Aft er three  days, law states that the prommissory note is accepted. And the debt in question should have been released. This institution is still trying to collect on a paid debt. They have no more claim to  XXXX   XXXX   XXXX   . Th ey are to cease all collection action and release the lean on the propery. For your reference I have attached copies of the notes sent with all quoted  U.C.C. la ws on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of ID theft, I have tried to deal with this company but they refused to reply to me. 
I request a block of this account according to XXXX code XXXX XXXX of information resulting from identity theft ( XXXX XXXX ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX XXXX XXXX days business days after the date of receipt by such agency of : Beginning ( XXXX ) business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection XXXX a ) a check services company shall not report to a national consumer reporting agency described in section XXXX XXXX p ), any information identified in the subject identity theft report as resulting from identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Tried ton purchase a car at local dealership and was told they could n't get any report from agencies, no number is being reported. I called XXXX and they said it is reporting. I have tried to get home equity loan and was told the same thing. XXXX says no reason for that so why ca n't anyone access a credit number. Experian had told me all my credit was old, which is true but what should that have to do with my credit history. XXXX has told me there are no negative items on my report. I have a charge account with XXXX which has been active since 2003 and Experian said it was n't reporting properly because my birth date needed to be updated? This account according to them is reporting as no status. It 's the only active account I have had for several years and it is not reporting properly. Experian says it 's XXXX 's fault but XXXX has told me that have updated to credit agencies. I ca n't get credit even though my credit has always been very ggod. THIS IS NOT FAIR. credit reporting agencies are prohibiting me from getting credit by not providing any credit history while at the same time saying they are. I do n't know where the disconnect is but it needs to be resolved I need your 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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/2018 I received in the mail, a XXXX prepaid XXXX in my name that I didn't order or apply for. When I tried calling to speak to a person I was unable to do so without entering my social security number and I wasn't going to do that because I didn't order the card. I just want to make sure there's no fraudulent activity going on in my name

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 04/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In checking my credit report, portfolio recovery had me dinged for {$280.00} due to a " XXXX '' account. I asked when this account was open, what the credit limit originally stated, and for an itemized list of charges. After being transferred to four different representatives and " managers '' I lost my patience and stated, " i will just go ahead and pay it in full if you remove from my credit report ''. Said representative agreed and we continued with payment. I paid the account in full - as soon as I received confirmation that the payment went through I checked my credit report and the balance still shows {$280.00} on transunion but {$0.00} on XXXX and XXXX. I then disputed the collections with each bureau and portfolio recovery DENIED removing the account stating that the information is " correct ''. Looking back at it, i should n't have given them a penny. Why? Because they could n't even verify the original debt and had NEVER sent me any mail/email regarding the account. This company records all of their calls so they should follow their word! Espeically considering they received {$280.00} from someone whom they could n't even verify. VERY DISAPPOINTED!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I originally disputed with Experian on XXXX/XXXX/15, I received a response dated XXXX/XXXX/15 stating that my dispute was " suspicious '' and was not sent by me. I 'm not sure how they verified this information when I even included my drive'r 's license, a current utility bill, my signature, social security number on the letter. What more do they need from me? You will see all of this in the documents that I am attaching with my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months, I finally received a letter from Ally, stating CHEXSYSTEMS INC was unable to verify my identity. Then, in order to gain access to the full report, I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application, I called the listed number ; however, the only thing the company has on the end of the line is an automated voice mail. In addition, XXXX was unable to " supply specific reasons why [ they ] have denied [ my ] application. '' So, after being promised my credit score would not be affected, my score actually dropped over XXXX points!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with Focus Holding Company (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Called 10 times asking for information about the collection they will not response.. the put a collection in my credit report is not my they are saying I have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Ive had a bank account with Suntrust bank for some time now, and just recently I started receiving mail saying that my account had been closed due to some fraud activitys that I know absolutely nothing about. This was my only bank account and Im confused ... Ive never opened up another bank a account or did anything fraud in my life. I wish to resolve this as soon as possible, thank you. I can and will send over all of the necessary documents proving that I was a victim of identity theft. 
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 09/29/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.

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 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went on XXXX. I wanted my credit score from Experian so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked by the fine print scam and they refuse to give me my money back.

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