milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Credit card () with WELLS FARGO & COMPANY (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO XX/XX/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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XXXXXXXX XXXX XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/2017 to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very rare medical XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed my navient student loan for a Balance of {$37000.00} with Experian and it was updated incorrectly as all of my navient student loans were just included in a direct consolidation loan from XXXX. This account has been paid in full and closed and by it continuing to report is affecting my debet to income ration by 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 non-monetary relief
Consumer complaint received 01-03-2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to do a FHA refinance streamline mortgage since XXXX/XXXX/XXXX. I submitted every document that the processor asked for. Underwriting stated that I had an fraud alert on my XXXX credit report which was a ( consumers statement not an alert ) I was instructed to remove the fraud alert or add my phone number to the report, which was already noted on XXXX credit file ( phone number ), I faxed the credit report to the processor and the Loan Officer. I was then told it needed to listed on XXXX there 3rd party credit bureau. XXXX informed me there 's no area were they list personal ph numbers on there reports. XXXX back and forth trying to clear this last condition being told by processor and loan officer were n't not sure why underwriting will n't clear the condition. XX/XX/XXXX I was told this information and email notes would be forward to a supervisor and they will get back with me. It 's XXXX/XXXX/XXXX and I have n't as of yet received a call from anyone or refinance my loan. Where do I go for here interest rates are increasing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: APR or interest rate

Complaint: Care Credit XXXX charged {$620.00} of interest in XXXX year for a {$2000.00} charge, despite the fact that I made regular monthly payments throughout that year. I feel the company is overcharging me, and their explanations make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Ad astra recovery a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was discharged on XXXX 2014. Both company knowingly it was discharged and can not be collected but still trying to do so. Ad Astra recovery illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX discharged bankruptcy code. They need to remove the collection off my credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Payday loan debt) with Northwood Asset Management Group (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/17 I got a call from XXXX and XXXX left a voicemail stating to call Asset about a debt owe. I was asked to call XXXX ext XXXX. After advising XXXX I currently have no money to give but do feel I owe the debt, not sure of the amount XXXX proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised XXXX if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.

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 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: REFERENCE TO COMPLAIN CASE NUMBER XXXX I ATTACHED A COPY OF MY UTILITY BILL TO PROVE THAT THE DEBT IS NOT MINE. 
Case number : XXXXTransUnion said : Explanation of closureUnder the guidelines of the Fair Credit Reporting Act, we will not reinvestigate the item ( s ) unless you can provide new information such as court papers or a recent, authentic letter from the creditor ( s ) that explains what information should be updated. You may add a Consumer Statement of XXXX words or less to your credit report or contact the creditor directly. Contact information for each creditor is provided on your credit report for review. If you provide a Consumer Statement that contains medical information, then you are giving consent to TransUnion to include this information in every credit report we issue about you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. 
Please visit http : //transunion.com/consumerfaqs for frequently asked questions about your credit report. 




ResponseWe have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified or updated accordingly and the results were forwarded to you for review. Currently, XXXX # XXXX reflects as a collection, balance and past due {$1700.00} and estimated deletion of XXXX. 

In addition, onXX/XX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, you were notified in writing that the disputed information had been previously verified as being accurately reported by the data furnishers. 



What happened Product Credit reporting Issue Incorrect information on credit report : Information is not mine ( belongs to someone else, identity theft, fraud, etc. ) Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that TRANSUNION AND XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is essentially refusing to perform an escrow account analysis. Ocwen raised our escrow payments when they originally took over our servicing, so I 'm certain there is an overage in the account. Our analysis is typically performed in XXXX, and as expected we received a notice in XX/XX/XXXX saying there was a fairly substantial overage and we would be receiving a check within 30 days. XXXX we received a notice saying the previous notice had been in error, and that a second escrow account analysis would be performed in XXXX. We waited for an update and, hearing nothing, we contacted Ocwen on XX/XX/XXXX. The second escrow account analysis had never been performed, although nobody could tell me why. I was told that it would take 3-5 weeks to find out why the analysis had not been performed as promised, or 5-7 business days to perform a new one. I requested that a new analysis be performed at this time. On XXXX XXXX I called to check on the status of the analysis and was told that there was indeed a substantial overage of over {$1300.00} and that a check was en route. I had not received any communications from Ocwen by XX/XX/XXXX, so I called again to check the status. I was told that the escrow account analysis had not actually been performed at any point. I was told that it appeared they had started the analysis but failed to complete it. I asked why, and was transferred to a woman whose job it apparently is to solve mysteries such as these. Her name is XXXX, ID # XXXX, and her contact number is XXXX XXXX. She agreed that it appeared we were due a refund and could not determine why the analysis had failed to be performed as promised on so many different occasions. She asked that I give her 48 hours to determine what the problem was and said she would call me back. I had not heard from her by XXXX, XXXX XXXX ( 48 hours later ) so I left a message for her at the contact number provided. It is now XXXX, XXXX XXXX, and I have yet to receive a return call. Our account is current and in the nine years since securing our mortgage it has never once been late. I have been unable to get a straight answer as to what the problem is, but we are now approaching six months late on our annual escrow account analysis. This is one of many problems we 've had since Ocwen took over the servicing of our loan and we will be addressing these individually, but the failure to perform a simple escrow account analysis is keeping money out of our pockets that is rightfully ours and it is a situation that should have been easily rectified months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: XX/XX/XXXX-XX/XX/XXXX I found and got XXXX items off of my report that was fraud so after that I put an alert on the account to prevent anything else form happening. Well I am wanting to buy a hime but with all the inquires on my account that was not done by me, I put a freeze and am going to file a police report. I work and go to school full time. Well I did speak with all XXXX creditors but does n't seem like I am getting anywhere. I would like for all the items that I did not do to be removed when I asked and called them months ago and it still seems that there are inquires and things on my report that are getting on my report with out me even knowing on what is going on. My credit score has dropped over XXXX points. Now I ca n't get a loan and even when I pay all of my accounts on how it 's supose to do.

Company public response: Company 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 EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX, 2017 submitted disputes to XXXX XXXX and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ENHANCED RECOVERY COL XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX never even herd of them..they are claiming i owe a cable bill I use Free tv and where i am at now the landlord pays the cable bill not to say i have been living in FL since 2014 ... they are on my XXXX and XXXX reports i ca n't get thru any numbers for info to check on this..i am getting nowhere i disputed it and all i get is ... it 's been updated ... .weird

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 05/27/2017 about Debt collection (Payday loan debt) with Broadway Account Services (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?

Company response to consumer: Closed
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with GULF COAST COLLECTION BUREAU, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation