milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AL).
Issue: Shopping for a loan or lease

Complaint: I 'm not sure if this needs to be a complaint or just an answered question. Anyway, my wife and I went to a car dealership on XXXX/XXXX/15. My wife gave them an application for a car, was told it was approved, and she signed the paperwork and we left in the car ... .I was not part of any of the paperwork, application, nor did I give any of my information. 5 days later, I noticed I had XXXX credit inquiries where that dealer send my info for credit to XXXX different banks. I immediately called them, and they denied doing so. In fact, the sales manager put me on speaker phone and XXXX managers denied that it was even possible, said it must have been someone else, and copped an attitude about the whole issue. I called Wells Fargo, since they are the bank that the dealer said my wife was approved at, and they also denied running my credit. I to.d them that they ca n't deny the inquiry, when 's it 's clearly on my report, and was told again that it was not them. I told them I would get an attorney, so she immediately transferred me to the office of Wells Fargo president. After spending 2 hours on the phone with their office, it was determined that in fact the dealer did use my social security number, but my wife 's information. Wells Fargo called the dealer and instructed them to fix it. I called the dealer back, and he said that they pulled my data accidentally from 2 years ago, but did not use my name. They said it should have flagged that the name, DOB, and jobs did not match the file. They said they were n't sure what to do, but would fix it. Today, after XXXX calls, and XXXX email, the XXXX finally called me back and said that Wells Fargo just switched everything to my wife 's social security and all is good now, no need for new paperwork, or anything else. I told him I wanted a letter that I can provide to XXXX and the XXXX banks, and he said he would. He was still very short with me, never apologized, and acted like it was no big deal. Can something be done for them doing this? I now have XXXX Inquries, and a mess I have to clean up. It just do n't seem fair to 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 non-monetary relief
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with SUNTRUST BANKS, INC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. 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 03/31/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: I paid my auto loan within the 10 day grace period and the company still assessed a late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: When  XXXX  made the change from   XXXX   to Visa,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX    XXXX   credit score monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fe e ( automatically ) on that card, and was never told about it. By that point my payment was about 6 months late and h ad an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX   dealt with this situation poorly.     However, this event has turned out to have a profound impact on my credit score. The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with CITIBANK, N.A. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX 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 02-12-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: i tried to solve the problem with the bank but they have no power to do anything they signed me up years ago for cards i didn't need and was charged fee 's for cards i didn't need as i was a student and only that one was really needed so when i found out i stopped paying and wanted them to take the fee 's and cards off. then i went to XXXX for a XXXX XXXX attempt. i just went and tried to get a new card and my credit is to low. i would like them to reimbursement me for fees from cards that i didn't need. and also to work with me on dissolving my debt and open a rewards card with them for i had outstanding payment record before i got into it with them about unnecessary cards and accounts.

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 01-09-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Capital One 360 is a terrible bank that likes to lose customers for no apparent reason!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Transunion has a few account 's listed on my credit report that are inaccurate. After several attempts including notifying Transunion that i was a victim of Fraud. They did not remove these inaccuracies. These accounts were not verified. They put incorrect remarks on these accounts and these are dragging my credit scores down. Which it seems like Transunion is attempting to try to push me towards bankruptcy by force due to this inaccurate information. 

Accounts include -XXXX XXXX XXXX # XXXX Which is a charge off for {$1000.00} which i never opened, and i notified XXXX this was a fraudulent account nor ever lived at the address. They also stated that i opened this account and reported fraud and that the fraud was listed on my account and sent letters to me. This is also false, i never received any mail from them. 
XXXX XXXX - Charge off for XXXX XXXX XXXX XXXX # XXXX {$10000.00}. 
XXXX XXXX - Charge off for XXXX XXXX XXXX  XXXX # XXXX for {$15000.00} I never opened these accounts, and have notified transunion on many attempts at resolving this. 

Secondly my auto loan XXXX XXXX # XXXX says Redeemed repossession. This was never a repossession. I have always had this in my possession and have paid current on time, every month. This is false information and the remarks need to be removed. They were not there up till last month and the car was not repossessed. 

Also XXXX XXXX XXXX - XXXX XXXX XXXX # XXXX It shows 150 Days late which is this inaccurate. The XXXX company had agreed to match the last two payments which would have paid off the balance. XXXX  did not match pay these payments for several months after over 20 calls, and several emails and mailed letters. I asked several times when they would hold up their end of the contract and they said they were processing it. Finally they did match the payment but the deliquesces are inaccurate. 

XXXX - XXXX card. I never opened this account. This account was a result as of fraud that occurred when my identity was stolen. Please remove this inaccurate account from my report.

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 07/25/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XX/XX/XXXX I had an appt with Wells Fargo on XXXX XXXX to have my safe deposit box of 25 + years drilled into because I had lost my keys. The bank had also lost all records concerning my box including my contract and signature card recording any history of activity. There was much confusion among the WFB team in locating my box as there were so many boxes with the same number as mine. In fact when they thought they 'd located it I stated that it was n't mine as it was n't located in the main vault where I knew it was. They insisted and upon drilling open the box we found it empty. I was told that after the fact the bank drilled into 8 more boxes trying to locate mine. The bank personnel conducted an investigation for over 3 months. Mid-way during more than a 3 month investigation the district manager made an offer for my lost box and contents to reimburse me for the fees paid over the years and {$1000.00} for compensation. I refused the offer yet the bank took it upon themselves to deposit the paid fees into my account without my permission. I then received a call from the regional manager based on my insistence because the offer was completely unsatisfactory. I 'm sure he stated this debacle was indeed the bank 's responsibility. He further requested that I provide an affadavit of the contents ' value, to the best of my recollection, as it had been years since I opened it. He stated that the bank wanted to come up with compensation commensurate with not only the value but the situation. After the regional manager met with his team, he changed his position and claimed that the box drilled into during my presence was mine. Yet when I asked how could it be if he himself confirmed to me that WFB could not locate my box. and with his team they 'll work on a compansation hopefully to be satisfactory for me. He stated " it 's what it 's "

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 09/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo has not provided us with all of the information we have repeatedly asked for. They claim to have on XX/XX/XXXX. This is a lie. We have not received any of the information we have requested. Wells Fargo needs to provide us in writing proof of met modifications, Proof of items that they are calling proprietary. If an item is proprietary we are requesting in writing proof that it is as such. If it is legally proprietary we are requesting in writing the items we have requested. ( copy of phone call on XX/XX/XXXX. copy of investor guidelines as to how many modifications, forebearances, and re payment plans are allowed to us. We to date have had 1 forebearance, 1 so called HAMP modification, ( it did not fit HAMP guidelines ) and 1 in house re payment plan. We would also like an investigation into Wells Fargo treatment and practice of customers with XXXX. We have been discriminated against and we do plan on filing an official complaint against Wells Fargo. We also would like an investigation into not only Wells Fargo but XXXX XXXX XXXX of Utah for not following Utah non judicial law. WE were not served with a notice of default. We found out about our foreclosure sale online. We also would like an investigation into the deceptive practice of Wells Fargo concerning Hamp Tier II guidelines. Wells Fargo continued to lie to us and put off our modification until the program  ended. Fully knowing and admitting to us that we were eligible for the program.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Homeward Residential/Ocwen AKA AHMSI is n ot reporting correctly to  XXXX  that my account was delinquent as of  XXXX , 2010  . This is extremely important due to the fact that adverse credit accounts are suppose to drop off of the credit bureau after seven years per the Fair Credit Reporting Act. The account was later brought current and paid off. It is still showing on my current   XXXX    credit report when the credit delinquency if great tha n seven years. Homeward Residential/Ocwen  were reporting the  XX/XX/XXXX    delinquency 's correctly to  XXXX  and  XXXX . The account has dropped off of these credit bureaus due to th e 1st reported delinquency 's are greater than sever years old. I have contacted and requested twice now to Ocwen th at they correct the credit reporting with  XXXX . They have refused to do so.  XXXX  defers to the lender so they will not remove it either. They are in violation of the Fair Credit Reporting Act.  <P/> I have attached a copy of my mortgage Statement dated  XXXX  , 2010 that  shows my payment due date is  XXXX   XXXX ,  2010 w hich also sho ws 2 past  due paym ents (   XXXX  &  XXXX     2010 ). S ee the bottom of page  XXXX  in the attachment for past due details. I have also included a copy of my  XXXX  report that shows Homeward Residential reported me as past due from  XXXX  thru  XXXX   2010.    XXXX  and  XXXX  has subsequently removed this from my file since it is seven years old as required by the Fair Credit Reporting Act

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 Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (PA).
Issue: Unauthorized transactions or other transaction problem

Complaint: PayPal Credit offe rs both standard and deferred plans.  XXXX  items were incorrectly posted to standard vice promotional deferred plan. When  PayPal Credit  corrected the problem and moved the  XXXX  items in dispute to the proper deferred plan, they incorrectly added each item twice. See below for charges dated   XX/XX/XXXX  and  XX/XX/XXXX  in the amounts of  XXXX ,  XXXX  and  XXXX  : No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  * {$0.00} {$1.00} $  XXXX 9* No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$8.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$38.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$7.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$1.00} {$6.00} $   XXXX  * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$3.00} {$22.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$6.00} {$37.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * No Payments Until  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  * {$0.00} {$0.00} $  XXXX * I have been attempting since  XX/XX/XXXX  to get this corrected, but they refuse. They claimed they went statement by statement, but that 's the point : each statement since  XX/XX/XXXX  had the three items double billed, for an additonal charge of  XXXX . The excerpt is from my latest statement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

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 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX XXXX, 2015, I requested by phone, my free annual credit repory from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today I have not received any reports or any correspondece.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: XXXX XXXX lease was At the end of my lease of 39 months. I called and extended my lease for 6 months and was told me it was month to month and i can turn it in any time and pay for keep making payments as i go along. Well 3 months later my wife and i decided to cut our cost so called and asked for end of lease inspection and since i made payment for following month i asked them to to hold that payment for lease turn in fees. So after run around to get lease inspection took them two weeks due third party company over booked. After calling and keeping them updated about the inspection and making sure my payment will go towards the turn in fee and not another month of payment. They confirmed me that information couple times that will once finale bill is posted and will take a month. Got my last bill shows i owe {$350.00} for lease end fee. So I called told them i have paid them {$500.00} for month that I did n't have the car was turned was told by their staff that it will go towards my lease turn in bill they claimed they did n't have any notes of such. My lease was on month to month and they took my payment even when my car was turned in.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is reporting late payments on my credit reports from XXXX-XXXX. At this time I was on an unemployment deferement & then a forbearance. I 've spoken to several representatives & most recently XXXX ( supervisor ) trying to get this issue resolved. All have verified that I was indeed deferred at this time but will not remove the inaccurate information. I 'm trying to buy a house & these marks are preventing that from happening. Please please help me get this issue resolved. I 've disputed on several occasions through both the credit bureaus & Navient itself. This has been a nightmare since Navient assumed my loans from XXXX.

Company response to consumer: Closed with explanation