milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: The car loan first appeared under XXXX XXXX XXXX XXXX after complaints it was removed from XXXX. The car loan shows up again under Wells Fargo Dealers Svcs I contacted them and sent my State License, Social Security number, and a light bill. They sent a letter to me stating : Wells Fargo Dealer Service has verified that the information being sent to the consumer credit reporting agencies on this account is accurate. Our verification is based on a review of our records, as well as the information for this account on file with XXXX, XXXX and the XXXX. It has been over a year since my first attempt to remove fraudulent loan that I did not take ou, I continued to inform all credit agencies mention above that I do n't own a vehicle and I have never lived in XXXX XXXX XXXX, IL and I do not have any car loans.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX a person opened a XXXX account using my social security number. I found out about this account on XX/XX/XXXX by checking my credit report. I contacted XXXX directly and they provided me with the person 's name who opened the account ( XXXX XXXX ) and the address where the service has been turned on ( XXXX XXXX XXXX XXXX XXXX, MI ). I reported to XXXX that I do not know this person and I did not give authorization to use my social security number. They told me to fill out the " ID Theft Affidavit '' and send it in, which I did. I contacted XXXX XXXX Police Department on XX/XX/XXXX and spoke with XXXX. XXXX. I filed a police report in the city that I live in on XX/XX/XXXX with Officer XXXX XXXX. The police report number is XXXX. I filed a dispute with Equifax on XX/XX/XXXX and the results came back that they found this account to be " factual ''. At this time, XXXX has not suspended services for the person who fraudulently opened this account and it is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Filed disputes with transunion and XXXX in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

XXXX XXXX customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I have had an account at Capital One 360 account. The bank recently changed their log-in process so that though I knew my user id and password that was not sufficient. I was required to request a verification code that was to be sent to my email address on file. I tried this 3 different times but never received the verification code. At that point I called customer service to gain access to my account ( a federally insured savings account ). After 5 minutes on hold my call was answered and I was told that this was a two week old process and that it was having technically issues and that they were unsure when it would be resolved. Apparently the verification code emails were being processed by many email servers a spam and taking hours to be delivered even though the code is only good for 10 minutes. This basically amounted to denying me access to my account, they had no provision for texting a verification code to my mobile phone. The only option was to provide them a different email through a different email provider such as gmail, yahoo, etc. 
otherwise I had no access to my accounts or funds until they fix this problem. No institution serving as a bank should be able to basically deny access to individual accounts due to the bank changing procedures not vetted or tested to assure customer access to the consumer 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: This is re : Wells Fargo & their fraudulent business practices!! A short sale & reverse mortgage on a house in NY has been in full contract since XXXX XXXX ; The Broker has had it on the market for sale since XXXX XXXX ; after the owner passed away ; Finally getting highest & best offer. The Executor has accepted the offer & given the Broker authority to take care of everything. The lawyer for the seller & Broker have sent all docs ; executed contract, HUD, proof of funds, letter of intent to Wells approx. ( 17 ) SEVENTEEN times since XX/XX/XXXX!!! -to which Wells has not EVER responded in a timely manner to the Broker ; '' claiming '' they have not received a doc. to a doc has expired & needs to be updated. XX/XX/XXXX- they told the Broker " any day now '' a " letter to close '' should be faxed & mailed to her-to NO avail-to date!!! This is a disgraceful, unjust debacle on their part against a very patient " consumer '' who has already spent well over {$1000.00} to lock in a decent rate from his bank! To boot- they have sent a " notice to foreclose '', which the Executor is not interested in doing- This is a short sale since XX/XX/XXXX!!! As well, Wells Fargo has changed Rep 's on this file ( 7 ) seven times w/ each not knowing what is going on. The inability for this bank to get this done is absurd!! This is a short sale w/ a ready, willing & able family man who has made the highest offer ; waiting since initial offer was put in XXXX XXXX & contract completed XXXX XXXX. To say that the buyer- ( consumer ), lawyers & I, the Broker are furious and irate at the conduct of Wells Fargo 's bad business practices, fraud and lies is an understatement!!! PLEASE get us a " Letter to Close '' on this house which is deteriorating by the month. This is all the buyer has been waiting for ... PLEASE..PLEASE

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 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The compliant number is XXXX that I have not had a responce on. 
This is not a duplicate, I 'm asking for TransUnion to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as they mite seem to think I 'm asking. They have not respond to the first complaint submitted yet. I 'm sending this so I can spell it out as clearly as I can. I want late payments removed from account..

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 08/26/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: My checking account with Wells Fargo Bank , N.A . ( Acct XXXX. XXXX - Account Name : XXXX XXXX ) has been charged {$14.00} for a " Direct Connect Fee '' that shows up on my statement as a XXXX Banking charge from XXXX/XXXX/2014 to date. I never used this service and was enrolled in error. When I try to complain to Wells Fargo, various telephone transfers move me from XXXX department to another with no one taking responsibility to correct the problem so I ask for a physical mailing address and they REFUSE TO GIVE ME A MAILING ADDRESS.

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 04/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Most if not all accounts in question are paid off, and closed, yet the credit reports not showing this, which cause my credit score to remain very low.

Company public response: Company 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. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Accounts #  XXXX  and #  XXXX  are accounts were due to identity theft. In addition, the statue of limitation has been exceeded for each account.   Account #  XXXX  in reference to  XXXX   XXXX . After contacting the company I was informed that the account was SOLD t o MIDLAND CREDIT MANAGEMENT. W hich by my understanding is illegal. This account initially was reported as identity theft to  XXXX . After the issue was ignored by  XXXX   XXXX  they then sold the account to MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Houston Finance Co. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a recent copy of my [  XXXX   ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   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 08-03-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Advertising and marketing

Complaint: US Bank 's XXXX XXXX Credit Card had as their featured benefit, a second award night free as their main marketing tool. After paying the XXXX Annual Fee they suddenly cancelled that benefit effective XXXX/XXXX/15. How can they collect an Annual Fee and then change the main benefit, US Bank thinks they can change the rules after the fact. When I called in and complained, they said there was nothing they could do about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (MN).
Issue: Settlement process and costs

Complaint: I negotiated a HELOC loan with Suntrust Bank that my ex left me after divorce. I wired XXXX on XXXX XXXX, 2015. In agreement for the amount sent, I was to be released from the lien against my home. The letter for release never came nor was I able to close my home as a result. XXXX XXXX XXXX kept the XXXX and never released me. I have been in legal harm since his failure to cooperate with the title company to sell my home. I have called XXXX of times to multiple Suntrust departments but they have not been able to resolve the matter. I have incurred high legal fees and failed closings as a result of XXXX XXXX unprofessionalism of working with my title company and counsel to promptly resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked my mortgage servicer to remove the escrow reserve on my account and re-analyze with no reserve/cushion. They refused initially and have since said they " are researching ''. I have the option to keep a reserve or not. If I choose not to have a reserve, I bear the responsibility of absorbing larger changes in escrow elements from year to year, which I am willing to do. RESPA only allows for up to XXXX months, and my state allows for the same, but neither requires a reserve as part of my escrow account.

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 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am a Chase credit customer. On XX/XX/XXXX, Chase contacted me regarding a fraudulent charge. I immediately told them on XX/XX/XXXX that the charge was fraudulent. Furthermore, I spoke to them twice both on XX/XX/XXXX and XX/XX/XXXX to have the fraudulent charge removed but to no avail. Both times, I was rest assured that I would see the credit on my account within 24-48 hours. On XX/XX/XXXX, I finally found the emails of several people at JPMorgan Chase leadership. They claim that the credit was not issued because of " system errors. '' Furthermore, they indicated that speaking to a customer service agent twice on separate dates with no result was in line with their customer service levels. I find this hard to believe and would like the XXXX to start investigating whether Chase is actually causing financial harm to customers because of their failed internal controls. I hope that customers are not being charged for things that they did not authorize, which is a control deficiency in itself, and more importantly that they get those fraudulent charges removed immediately upon confirming to Chase. I believe if I had not contacted the executive office, I would still be responsible for {$25.00}. In the meantime, their fraud department located in XXXX, whom they referred me to activate my new card have their head in the sand and do not realize that they need to activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 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: Old information reappears or never goes away

Complaint: Erroneous Information and 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 explanation
Consumer complaint received 07-05-2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Settlement process and costs

Complaint: heart ship loan refi H.S.B.C Mortgage charged me XXXX in interest unknown to me. 
asked for payoff information in XX/XX/XXXX it showed XXXX in interest for heart ship modify. 
just received a letter from H.S.B.C they sold my loan to XXXX XXXX XXXX XXXX for more than I owe XXXX payoff in XXXX was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Payday loan () with Bliksum, LLC (CA).
Issue: Can't stop charges to bank account

Complaint: I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation