milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Wellsfargo has committed fraud already once against me by opening a checking and savings in my name, I tried to give this company a chance opening an account, just last year I opened a credit in my name XXXX dollar credit limit, well Wellsfargo was giving more problems with the checking I had it closed well I also disputed a charge and was sent a final decision on the the amount disputed it was permanent, wells Fargo seem to get mad because I closed the checking, they have committed fraud again, I talk to a loan officer and explained what they did, Wellsfargo charged my credit card for the amount I had disputed on my checking account and that was very illegal, the loan officer had told me they are not allowed to my charge credit for anything that has anything to do with my checking account my credit limit was XXXX im only allowed to spend XXXX they have did the samething to me I closed my credit card account do to the fact of fraud they have committed against me, they need to resolve before I get legal representation to sue wells Fargo I want this off my credit and I want compensation for the fraud they done by charging my credit for knowing that your not supposed to do that I want contact from the mediation dept to resresolve this matter, I do know Now a consumer can sue a bank now they need to resolve this before I file a suite against them

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Revenue Management, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: American Revenue Management is calling my work place and continually harassing me. My ex girlfriend is the one who owes them money but they keep harassing me. Their agent by the name of XXXX. XXXX has been calling my place of employment even after telling her this is not allowed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was sick with XXXX and at the same time the real estate market crashed in 2008. 
I fell behind with my payments. 
I have tried XXXX times to make different plans but the lender always comes back with higher and more costly plans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have a credit monotoring service after a breech in my personal information with a hospital I attended. I received an alert that XXXX has made a hard inquiry to my credit reports. I already have a credit account that am currently paying off from XXXX so I sent a message via online to XXXX asking who had authorized the credit inquiry. I spoke to XXXX on saturday and was told that this was forwarded to the fraud department and flagged so no credit increase or credit account was open but they did create higher security features to my account so that no one can use make any changes to my account without my verbal consent. I am not only working to improve my credit but do not have any interest in obtaning a higher credit with kohls. XXXX is aware that this inquiry was not mine and suggested I speak to the credit agencies to have this inquiry removed since nothing was changed in my account. The incident was flagged and nothing happened as a result. YOu may contact XXXX directly to confirm this. I ask that you please remove the hard inquies as i have not authorized these.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 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: Information belongs to someone else

Complaint: First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (Conventional home mortgage) with Innovis (CA).
Issue: Improper use of your report

Complaint: Loan Agent from XXXX XXXX XXXX XXXX verbally told me he would not inquire into my credit report, and, his inquiry would not result in an " inquiry '' on my credit report. After it did, the inquiry company CBCINNOVIS told me to send an email from XXXX XXXX that the inquiry was made in error. <P/>I sent CBCINNOVIS an Email per their instruction on XX/XX/XXXX. On XX/XX/XXXX, the inquiry was not removed. I spoke to CBCINNOVIS who basically gave me several more excuses and told me they did n't receive the email. I told the supervisor, XXXX, that I wanted his email and a confirmation that he has received it. His only offer was for me to re-send the email to their company email address and begin the entire process over again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I already submitted a complain about false late charges for my Hyundai Motor Finance loan. After those were removed I now have a bad mark on my credit report for being 30 days late on my XXXX payment. I made this payment on X/XX/17 and the documentation is attached. I have never been late on a payment on anything in my life and have a credit score of over XXXX, the amount of issues I have had simply making my car payment are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I transfer some cash for the sum of XXXX to coinbase on XX/XX/XXXX On XX/XX/XXXXi received an email from coinbase saying they could not process the money because of the currency and they would return the funds back to my bank account within 2 days.
Today is XX/XX/XXXX and i havent received anything. I have written countless amount of emails to support, did not get any reply until XX/XX/XXXX, saying my money would be returned in several days, Still nothing! Please help me retrieve my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: well I fell behind with my mortage company due to my wife having XXXX sugery andwhile in surgery she had a XXXX and has n't been working for some time approx. 3 years and have applied for a modification mortage company I was behind and the XXXX which gave me a loan for the moneythey paid get me current which I pay them XXXX a month I was doing well and due to decrease in hours I fell into a problem and was tring to work out an modification with green tree and they are changing my loan from XXXX percent to XXXX interest and my mortgage is goingup instead of it going down and they taking me from 24 years to a 40 year mortgageand I ask the gentlemen XXXX at green tree why he stated I already had an hamp loan in which I thought with and hamp loan the percent would only go up about XXXX % after XXXX years I been sent paper work to green trre and they been strong arming me to sign the documents they sent to me by XXXX/XXXX/15 cause that 's the best they can do for me I have sent the paper work to the attorney general office in XXXX to look into this matter further due to them being rude and telling that I have to take this deal or they going to take my home I have all the paper work and there bussines practices really need to be look at with the threats from there customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (TX).
Issue: Excessive fees

Complaint: EQUIFAX IS CHARGING ME TO FREEZE MY ACCOUNT TO FIX THEIR MISTAKE!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with General Information Services, Inc (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received an employment offer from XXXX XXXX cable in XXXX XXXX on XX/XX/2016 pending a consumer background report investigation which was subsequently performed by General Information Services ( GIS ) based out of XXXX, XXXX. I then received an adverse action letter from GIS followed by an email from XXXX XXXX informing me the offer had been rescinded due to criminal conviction information reported by GIS. GIS reported criminal convictions to XXXX XXXX that antedated or preceded the report by more than 7 years which is a violation of XXXX Law, specifically XXXX Business and Commerce Code Chapter 20.05 which states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; ( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more. 

( b-1 ) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection ( a ) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033. 

The salary offered to me for this position as a Call Center Customer Retention Rep was {$13.00} per hour or {$28000.00} annually. 
I want to file a compliant that my FCRA rights were violated by GIS by the reporting of criminal convictions to XXXX XXXX cable that were in fact, older than 7 years, which directly led to my employment offer being rescinded, and caused harm to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control has reported to the Credit Agencies that these accounts have been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax negligently handled their security and allowed for the the release of my Social Security Number along with that of 143 million others.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with JAMES B. NUTTER & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a FHA residential mortgage for my primary residence. The mortgage loan originatorwas not licensed as a loan originator in North Carolina. The residential mortgage lenderXXXX XXXX XXXX & XXXX signed a multi-state enforcement agreement with XXXX Commissioner of Bank on XX/XX/XXXX. My FHA loan was originated on or aboutXXXX XXXX, XXXX. I have filed a Complaint with the XXXX Commissioner of Banksregarding XXXX XXXX XXXX XXXX XXXX continued pattern of noncompliance violatingstatutory and regulatory laws. ( N.C. General Statutes, XXXX. Mtg. Licensing Req., HUD regualtions and CFPB regulations. Pursuant to FHA HAMP programs procedures, I request that my mortgage loan account be Escalated accordance to HAMP procedureduring the loss mitigation process. On or about XX/XX/XXXX, I submitted a appeal forEscalated Case review. On XX/XX/XXXX, I faxed a complaint to HUD XXXX about XXXX XXXX XXXX XXXX XXXX failure to Escalate my appeal according toEscalation procedures. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX thatmy file was closed, On XX/XX/XXXX, I submitted a Complaint to North Carolina BankingCommission regarding XXXX XXXX XXXX & XXXX. On XXXX XXXX, I responded to XXXX XXXX. 
XXXX letter dated XX/XX/XXXX. Additionally, I have made Qualified Written Request under RESPA and have yet to receive the name and address of the investor /guarantor and Pool ID and other relevant contact information about the owner of my loan this QWRwas submitted via email on XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXXacknowledged receipt of my QWR. On or about XX/XX/XXXX, XXXX XXXX XXXX initiatedforeclosure process during my request to have my appeal Escalated for Case resolution. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in the state of XXXX. I have only been a resident in the state of XXXX and the state of XXXX. The information on my credit report is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Debt collection (Private student loan debt) with PNC Bank N.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Payday loan debt) with EMPIRE FINANCE CO LLC (OK).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.  XXXX , EQUIFAX,  XXXX  AND  XXXX .     PER THE  F.C.R.A  LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: I applied for a new credit card from a bank that was linked to an airline. The ad on the airline website offered a bonus of XXXX reward miles, but the bank switched and issued a card with lesser benefits, only XXXX points and a {$200.00} credit on a statement. I was not aware of this other plan at the time I applied. I did not realize the switch until after I had met the requirement of purchases within the first 3 months and was waiting for the XXXX points to show up on my account. When I checked with XXXX the airline and the bank, I was told by the airline that the bank handled the issuing of the credit card, and was told by the bank that the benefits I received were for the credit card they issued. I also checked with a local branch of the bank and after much communication between a bank rep and their home office I was again told the benefits I received were for the card they issued. In all cases they sidestepped the fact that the card issued was switched from what I applied for. I have copies of emails that I received from the bank referring to the XXXX points " reward '', but nothing referring to the lesser reward. In all of my contacts with the bank they completely ignore the fact about switching me to a different plan with no notification. I 'm XXXX XXXX XXXX, of sound mind and body and am now wondering if their responses are due to my age or if this is their standard operating procedures. All I 'm asking for is reversing the {$200.00} credit and give me the additional XXXX points that I expected and the ad promised. I still get emails from the airline suggesting that this plan is still available, and also on the airline website it 's still available. I did not need another credit card in the first place and the only reason I applied was to receive the XXXX bonus reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Simon’s Agency, Inc (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Simons agency has also called numerous times to collect I assume from XXXX. I will upload the same documents showing I was divorced from a previous wife XXXX XXXX XXXX in XX/XX/XXXX ( Remarried in XX/XX/XXXX to XXXX XXXX XXXX along with medicaid id etc. My medicaid should have paid this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with ACS Education Services (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was a first time XXXX student. I was offered a private student loan with " similar terms '' to a federal student loan. What was not clearly explained is this loan included compounding interest, not simple interest. And, that there were major restrictions on deferment and forbearance options. Therefore, when I was in school finishing my degree. And, later earning my XXXX, this loan would not defer and had no forbearance options. For a new XXXX student, the loan documents and language were too complex. The ramifications were devastating : An $ 30k loan that doubled to almost $ 60k, then went into default while I was still in school XXXX.

Company response to consumer: Closed with explanation