milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BXXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.

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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX my XXXX Credit Card account was breached and charges were made to my account. XXXX acknowledged the breach and refunded the funds to my account. On XX/XX/XXXX I redeemed points for cash on my account and noticed there were points used to purchase " XXXX XXXX XXXX XXXX XXXX XXXX '' shipped to XXXX XXXX XXXX XXXX OH XXXX. This purchase was executed on the same day of the breach XX/XX/XXXX. The CC breach consisted of a XXXX purchase of a laptop which through my investigation was shipped to the same address. On or about XX/XX/XXXX, I requested XXXX credit my rewards account the XXXX ( which is equivalent to {$230.00} ). The fraudulent points purchase was the same day as the fraudulent credit card purchase. XXXX has acknowledged the points fraud occurred the same day the credit card fraud occurred but decline to replace the points. I have appealed their decision 2 times and then sent it to the BBB to which I received a letter acknowledging the breach and the correction of the CC charges but denial to credit back the XXXX points. Coincidentally, the shipping address is 13.8 miles from XXXX. Additionally, they elude to the breach being a result of something I did. I access my account through a protected, firewalled system because I own a business that is regulated by the SEC and the Insurance industry. I believe the breach occurred from internal mishandling of information, which resulted in the breach of my online username and password which allowed the criminal to logon to my account, change my mailing address to the address listed above in OH and then order products shipped to that address. When I asked XXXX for the IP address from which the person logged onto my account they declined to provided, I can only assume to protect themselves from a MAJOR breach announcement, I can also only assume this is no an isolated incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A little over a year ago I notice a Ch. XXXX Bankruptcy appearing on my credit report. Ref # XXXX. I contacted the credit reporting agencies and advised them that this information is incorrect. I have not file a CHXXXX bankruptcy. The credit reporting agencies disputed the filing and reported back to me that the bankruptcy had been verified, not with the court but a third party company. A couple months ago I was able to tracked down one of the third party companies that XXXX uses, XXXX. I contacted their customer service department and was advised that they do n't verified that the information in the case is accurate, they only verified the case number, name, and address. They directed me to the Federal Court that the case was filed in. I call and spoke with the XXXX Oh Federal Court Clerk of Courts to get some information on this case. I was advised that they do n't show ANY information regarding this case other than a case number which appears to have been filed in error. I asked the court to send something to the credit reporting agencies. They advised me that they do not report nor deal with credit reporting agencies or any third parties WITHOUT the credit reporting agency or third party filing a motion to release information which a judge has to sign off on? If that 's true, how in the world are these credit reporting companies claiming they verified this information without talking to the source? They are hiding behind the third party knowing that the third party only verifies case numbers??? This is beyond crazy! I 'm requesting that XXXX XXXX, and Transunion file the proper paperwork with the court and update my credit report with the correct information. I have already proven in the past that these 3 companies are known for saying they have investigated and verified information only to find out they did not. ( EX. XXXX XXXX XXXX CFPB # XXXX ) They claim for months they verified that incorrect information and refused to reinvestigate even as early as two weeks ago. How did that turn out? I 'm not asking for anything but to have the correct information reporting on my report. I did not file a CH.XXXX bankruptcy in 2012. According to the Federal Court,  that case was filed in error, something as easy as typing a wrong number in the social number or last name could had trigger the error. Please remove at once or provide the full case information that would include my picture ID and copy of my social security card. 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 04/22/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. 
Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been a customer at Bank of America for more than a decade and in XXXX I saw that I was charged a $ XXXX monthly maintenance fee. On website and by phone I was informed that I was charged the fee because I did not carry a minimum {$10000.00} balance. I had NEVER carried a balance that high. The bank claimed it had not changed policy, but representatives were unable to explain why I was suddenly assessed maintenance fees. I was again charged fee in XXXX, and bank refused to waive 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 monetary relief
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint with XXXX for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, XXXX is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

Transunion also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.

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 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Reference ID : XXXX I Have funds in my paypal over 180 days. I tried withdrawing funds numerous times but unable to withdraw. Please release my {$12.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was sent texts from someone stating they were from XXXX XXXX XXXX and I was to pay {$220.00} for xrays I received. I thought it was a mistake and ignored the first text. I responded to the second text instructing them to bill my medical insurance. Yesterday, I received a letter from CMRE Financial Services saying that they are a collection agency and I owe {$220.00}. I confirmed with the XXXX radiology groups in my county that I have no outstanding bills. I have EOBs from both of my insurance companies where they paid for the last two times I had xrays. XXXX XXXX XXXX XXXX said I had n't been to them since 2011 and they had no outstanding bills for me. All three companies said they would NEVER text me. I have not contacted CMRE Financial Services because I 'm not sure what the consequences would be if I did.

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 10/31/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Purchased a vehicle from XXXX XXXX. They over charged for a new car inspection which I brought to the finance managers attention upon signing the paperwork and was told they would refund the over payment of {$27.00} this was on XXXX/XXXX/XXXX and now we leave messages for XXXX XXXX and we never get a call back and have not received our refund. They are making a small fortune from overcharging every one on the state inspection fee. New car fee is {$10.00} for the first two years and they charge everyone the {$37.00} fee. I want my {$27.00} paid back.

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 06/21/2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (WI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: " XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me, and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work, and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work, I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person, not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number, the automated message makes it sound like it 's an attourney 's office, and you have to give a " case number ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried 3 times in 6 months to get my free annual Experian credit report on line and by phone. On line does not do anything and no one answers the phone.

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 05/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: I was aware of an overdraft that I did and was charged {$36.00}, not once but 3 times, when I called the bank they said I had bounced XXXX charges, XXXX of them was after I made a deposit and was credited {$100.00} to my account until the check cleared ( 24 hours ). I had brought my account to a positive balance. After looking on my online bank statement there is no documentation showing I was ever in the negative. They just apologize, said there is nothing they can do. End of story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: My husband and I boh have an account with Wells Fargo as well as our joint account. My husbands account became over drawn on XXXX XXXX. On XXXX XXXX Wells Fargo exercised their 'right to off set ' by withdrawing the overdrawn money from our joint account to cover the beg balance in his personal account. ( I understand this and I 'm fine with this ) the problem is that at this time our joint account did not have enough funds to cover this it actually only had {$20.00} in it but they still took {$240.00} out, overdrawing the account. That transaction posted immediately and now they want to charge my overdraft fees for the transaction that are pending BUT was made while I actually had money on the account. It seems to me that the right to offset should actually serve the purpose of off setand by making XXXX account t posit XXXX only to make another negative so you can then charge more fees seems illigal to me. 
Please help

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