milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed several complaints against Diversified Due to them ignoring my requests of validation to this alleged account they are reporting on my credit report and keep saying to contact XXXX when they are reporting on my credit report with no documents but an itemized bill which is hearsay no signature of any kind to back up their claim so I have send them letters also certified keeping track of every letter and correspondence the letter tracking number XXXX I have send them requesting proper validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspondence local state laws. I have requested " validation '' that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay but they still have refused to and all they send is an itemized bill which is not proper validation. Instead they keep ignoring my request and refuse to properly validate. An itemized bill is hearsay. Please note that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Prosper Marketplace, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My Prosper installment loan is reflecting as open with a balance on my XXXX XXXX credit report when it has been paid off and closed for more than 60 days ( XX/XX/2017 ). My XXXX report shows it correctly with a status of paid and XXXX balance. I have tried to correct this directly with XXXX XXXX however, twice now they have come back and said that Prosper is confirming that the loan is open with a balance. I have attached a paid in full letter from Prosper confirming the installment loan is paid off which is a contradiction to what XXXX XXXX is saying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: XXXX XXXX is the company that handles my XXXX XXXX XXXX XXXX XXXX payment account. This was set up about a year ago. Each month, approximately {$3000.00} is deposited into the account in the form of XXXX XXXX XXXX  benefits. On XXXX XXXX two deposits were made and by XXXX XXXX approx {$2700.00} had been electronically transferred to another account. This was an immediate transfer and was NOT authorized by me. I believe there was a breach in their security. I have tried for days now to get XXXX XXXX to work with me on this. I wait for approximately 20 to 30 minutes to get a representative. Once I get one they say that they will transfer me to " level 2 '' and I am then disconnected. I have spent approximately 4 to 5 hours on the phone and they are telling me that other than continuing to call back there 's nothing they can do for me. My account has been completely wiped out. I did not authorize this transaction and the company is making zero attempt to help me resolve this issue. I 'm unable to pay rent or bills until they help me resolve this. The only thing they have done thus far is cancel my account and tell me it 'll be at least 10 days until a new card comes in the mail. In the meantime, I do n't have access to anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have required proof of what they want me to pay for and have not received it and I have asked several times and when I stated I was taking legal action I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a forbearance from XX/XX/XXXX- XX/XX/XXXX. These accounts are reporting 90 days late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i went to court and evicted a young man from my rental house. XXXX XXXX XXXX awarded me a judgement against the young man. Trans union reflects it in reverse showing the judgement as being against me. this created a major hit against me rather than the young an who owes me money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Collections Acquisition Company, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt of {$64.00}. I was in the process of moving at the time the debt went into place so I never received any notification. The only way I found out about it was running my credit report. The debt was valid and I paid in full as soon as I saw it. With that being said today  XX/XX/2017    I called the company asking them to remove from my credit report because I was in the process of buying a house. They said no it was not against their policy. When I paid the debt I was never informed that they would not remove the debt due to their policy. I was never informed that this would not come off my credit report. If this is their policy they should inform people that when they call and pay the debt. I never received anything that this was their business practice

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Bank of America has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM   XXXX   XXXX  , STATING WHY   XXXX   HAS SUDDENLY CLOSE MY TO ACOUNTS.
<P/>
****THIS WAS NO ACCIDENT.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: O n  XX/XX/XXXX  I w ent to  Capital one.com I a pplied for a credit card. I had to send them additional documents to verify my ident ity three weeks later they approve my application a few days after that they closed my account because they said I use someone  else 's promotional code which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Advertising and marketing

Complaint: Credit card offer online showed XXXX bonus points for spending {$25.00} or so, for about XXXX different purchases before a certain date. We tried signing up for the service online and it has come time for the bonus points to show and it looks like it has not worked. Yet I spent well beyond the bonus requirements. The online system for signing up for the bonus was not effective in working with my submission and success in meeting the requirements.

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 11/27/2016 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Managing the loan or lease

Complaint: We have financed XXXX vehicles through American Honda Financial services AHFS ). We make monthly payment on XXXX vehicles by ACH from XXXX XXXX XXXX XXXX. In XXXX of 2016, AHFS sent through XXXX payment requests for each vehicle ( I understand this happened to many people ). They quickly sent through a correction and our bank statement indicates we made XXXX payment on each car in XXXX. In late XXXX I began receiving massages from AHFS that just asked me to call them back. I was able to finally do that on XXXX XXXX. I had no urgency as they did not tell me why they were calling and I had no reason to think there was a problem with my account. On XXXX XXXX, they informed me that I was delinquent on XXXX of my vehicles as they had not received the XXXX payment. I told them that my bank shows that I did make the payment. They asked that we send them our bank statement and proof of payment. This was faxed to them on XXXX XXXX or XXXX. I called them on the XXXX and was told they had the documents and the payment would be posted. On XXXX XXXX I received another call from AHFS saying the payment had not been posted and we are concerned they are going to send this to collection. I have asked for this issue to be escalated with AHFS and I can not find a senior person there to talk with to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I lost my business due to the economy & had to move to find work. The apartment I moved into did not allow satellite dishes to be mounted on the building or property. I paid XXXX in full every month for over XXXX years ( including additional expensive sports packages ). Contacted XXXX before I moved to terminate service, paid account in full and returned all equipment they required. 

Now they have sent my account to collections to try to force me to pay {$520.00} for early termination. 

The FTC currently has a lawsuit against XXXX for illegally charging customers $ XXXX.+ for early termination citing it as illegal. 

West Virginia law states that if the account is more than XXXX years old ( my account is over XXXX years old / active for XXXX ) they can not sue me or report debt to any credit agency. 

I do not believe I owe XXXX any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit card protection / Debt protection

Complaint: I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I repeatedly get phone calls from Revenue Group. they ask for my our son, who does not live here. There is no way to tell them to stop calling, it is an automated call. I called the number back to speak with them and in the middle of my sentence, they hung up on me. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for 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 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My husband wanted to add me to his account just as a Authrorize user then I received the denile letter so since it wad XXXX I responded and I was transferred to 8 represanative and none of them will tell me what was the problem they all kept asking me name address etc and transfer me to the next represantiven so finally the last rep asked me if I ever had any American Express card under my name and I said no I was always a card user not card holder then he said some one used my info and opened account so he said not to worry u wo n't be responsible for the chargers and they will clean up the 3'credit buera and I will receive a letter So yesterday I received a letter that they went in to my history and dig up my chapter XXXX bankruptcy whick they had no business dig that out I was discharged and cleared of everything by a bankruptcy court I am very disgusted and angry About American Express fishy and suspicious conduct The fact that they played me stupid and pkay this fruad game on me is pepostress and unexceptable My husband was just wanted to XXXX me to his card as a user I need cfpb to pay a close attention to this XXXX conduct of American Express And contact me asap

Company response to consumer: Closed with explanation