milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.

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 05-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: Both of my capitol one credit card accounts are restricted. I can not get a reason why nor have this restriction lifted so I can use my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Debt collection (Medical) with Capio Partners, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MO).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion. 

I met the 2, 300+ DD requirements in XX/XX/XXXX 
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD. 

They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest. 

Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise. 

I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used. 

I hope CFPB looks into this and helps me resolve the issue.

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 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is reporting negative, inaccurate and unauthorized inquires on my credit report and have refused to correct and remove them. I written Experian letters and spoke with them by phone informing them of my concerns. I told them that the inquires reported on my credit profile seems to have come from their pre-approved credit offers mailing lists. I requested that these inquires be removed from my credit report and to remove my name from their mailing list. I told them that I did not give my authorization to any of the companies they are listing below : XXXX XXXX ID No. : XXXX XXXX XXXX, XXXX Credit/Kearny XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Bank ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX INC ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX, XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX XXXX, Apr XXXX, XXXX XXXX ; ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX of XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX XXXX, ID XXXX. : XXXX, XXXX XXXX, XXXX XXXX XXXX, ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; ID XXXX. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX ID XXXX. : XXXX ; XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX ; ID No. : XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX bank NA ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX explain to Experian that I did apply for a car loan in XXXX, XXXX with XXXX XXXX XXXX XXXX, which is not being reported by Experian, but none of the above mention companies had my permission to run my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Problems when you are unable to pay

Complaint: I have an open loan with Lendmark financial in XXXX XXXX XXXX my wife was checking my voice mail over the weekend and the office left a msg on my voice mail that they was calling about my XXXX payment and where they was calling from, this broke the privacy policy, which cause a lot of problem 's at my house

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MD).
Issue: Making/receiving payments, sending money

Complaint: I have an ongoing claim with Wells Fargo since the end of XXXX. I was told after a week that I would be contacted by Wells Fargo for the next step. 5 business days pass and nothing. I get some calls from some representatives that claims will eventually call me, but still nothing. I contact customer service and after getting jerked around for an hour, they tell me that I have to wait a total of ten business days, not five. 10 business days pass and I still have not received any calls. I would try calling again, but every time I try to call, I can never get anywhere. This is the second time I 've had to file a complaint with consumer finance in order to gain some traction on my claim.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was a victim of TransUnions inquiry issue. Inquires were removed then later re-added to me report without a 5 day notice as required by law. Additionally I 've tried contacting customer service about this and they continue to play stupid. I also let them know I was a victim of thTransUnion broke the law and they need to take the following inquires off my report permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is not bonded in the state of Texas to collect debt.

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 09-10-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Removed bankruptcy from report after disputed. Reposted bankruptcy again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with National Credit Adjusters, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an XXXX account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XXXX. The last one beingXX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe National Credit Adjusters has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. National Credit Adjusters has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX XXXX, XXXX XXXX XXXX reported my account delinquent to the credit reporting agencies. I settled my account with XXXX that year and paid my account per the settlement. According to FCRA, XXXX and Equifax should have removed the settlement from my report as of XXXX XXXX since I have already met the 7 year reporting period. I 've tried on several occasions to correct this with XXXX and I am continually told that they are reporting correctly. When I called XXXX on XXXX/XXXX/XXXX a XXXX rep told me that the item would stay on my report for 10 years. According to FCRA, the item should be removed from my credit report now. It has been removed from XXXX and XXXX but Equifax is not removing it. Every time Equifax contacts XXXX, XXXX tells Equifax that they should continue to report because the report is accurate. After reading the FCRA rules, I know the account should be deleted from report. I need help since I 've been trying to get this resolved for months with the same responses from XXXX and Equifax. This is also happening with XXXX 's XXXX ( credit card now through XXXX XXXX was through XXXX XXXX ). XXXX XXXX XXXX was also settled and first reported delinquent XXXX XXXX. I have tried on numerous occasions to resolve this with XXXX 's XXXX and Exquifax with no positive resolution. 

Both companies reported XXXX dates of delinquency and started changing the months with each investigation request. I am only attaching copies of my Equifax credit report that show both accounts settled and first date of delinquency as well as a report where a change in the history is made.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

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 02-02-2016 about Debt collection (Credit card) with DISCOVER BANK (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.

Company response to consumer: Closed with explanation