milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: In early XXXX, i applied and was approved for a credit card by wells Fargo bank in order to build/ establish credit but in XXXX XXXX I informed the bank that my card was missing and informed me that it will be cancelled. In XXXX i noticed a cash advance of {$350.00} in my statement and i proceeded to call the bank. I was told that it was a transaction that happened in XXXX. I live XXXX hours away in XXXX XXXX Virginia. Since it was clearly a fraudulent transaction, i filled a claim with them and was assured that all will be well. While reviewing my credit report in XXXX, i saw a derogatory comment from wells Fargo stating that I was 3 months in arrears. I proceeded to have a notarized statement sent to them in XXXX XXXX defending myself. I also noticed that they had linked my CC to my checking account without my consent. My numerous attempts to have this solved have been in vain

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 01-08-2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX XXXX regarding my previous auto insurance policy with XXXX ( XXXX. XXXX ). I called them immediately once I received the letter to dispute the claim. They informed me to submit my proof electronically and I did. Since XX/XX/XXXX I have followed up on multiple occasions for an update. First in XX/XX/XXXX they  apologized that the proof i submitted was never sent to XXXX and that they would send it over. I followed up twice in XXXX on XX/XX/XXXX and they asked for me to follow up after the holidays. I called today, XX/XX/XXXX and they said no update has been made on the dispute. This has impacted my credit score and it needs to be removed. I can not even apply for a home loan until this is taken care of. The representative i spoke with today, XX/XX/XXXX, told me it is not her job to follow up with XXXX regarding the claim that I need to do so. This has been going on for almost 5 months now, this collection needs to be removed from my credit report as I have done my part in disputing the claim within the 30 days of the letter and submitting proof.

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 10-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Merchants Credit Assoc. Inc SC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have been a customer of Wells Fargo since the XXXX. I purchased my 2nd home in XXXX, and then refinanced my property in XXXX. At the time of the re-finance, my property was appraised at {$130000.00}. I recognize that this amount may have been inflated due to all of the illicit activities that were occurring during that time. As a result of this refi my new lender ( investor ) was XXXX XXXX. Prior to this my loan was with FHA. In XXXX, I applied for a re-fi with Wells Fargo, where I paid for an appraisal. The appraisal valued my home at {$25000.00}. While this was shocking, I attributed this to decimation that my neighborhood had experienced as a result to the mortgage crisis. Because my home did not qualified for the Refi, it was suggested to try the Harp Program. When applying for the Harp, I was told that the Investor- XXXX XXXX did not participate in this program. 

XXXX XXXX benefited greatly from all of the TARP funds but provided their customers with no benefits. It seems unfair. It was reported that XXXX XXXX received {$10.00} XXXX in TARP funds. I was told that the mortgage arm of XXXX did not benefit from the TARP funds. 

It is now XXXX, and I continue to make on-time payments of my mortgage, however because my market value is only approximately {$43000.00} I still am unable to refinance the property. 

I would like someone to investigate whether Wells Fargo or its representatives benefited from my loan being with XXXX. Is or was there something that Wells could have done to assist. Was there something illegal that occurred

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 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (NC).
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: Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of XXXX XXXX 2016 there was a Fraud Alert placed on my Credit report. It was NOT by ME. I do not want a fraud alert on report.

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 11-02-2017 about Debt collection (Other debt) with First Financial Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is a collection that just showed up on my credit file which I do not owe any medical debt, this is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received the loan repayment information in the mail stating that I needed to begin repaying the Parent Plus Loans my daughter used to go to college on. I told them that I could not make those payment at this time due to my financial hardship I was going through. The told me that they could offer me a foreberance on the loan until I can make the payments. I ask what was that, and they explained to me that I would not have to pay right now and I would be allowed to take a break from making payments I said OK but I was not told that the interest was going to continue to pile up against my loan. The loan was for {$40000.00} and now I believe it had grown to over {$100000.00} with the tacked on interest that is now due. I do n't think that was fair to me for them to pile that interest on me without offering me something else.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 filed disputes with   XXXX  . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within 30 days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.        XXXX  - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also     XXXX   XXXX  .       I also filed disputes with Experian and   XXXX   they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.     Experian -   XXXX   XXXX   XXXX   and   XXXX   XXXX    XXXX n -   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX  I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses

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 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: some inquiries were removed from my credit report and added back on and I was not notified at all within 5 days in which that is a violation of my FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 days and failed to do so. I did n't notice these inquiries were added back on until I recently pulled my credit in which I contact trans union several times the first time I ca lled and spoke with  XXXX  and she informed me th at trans Union ha d a glitch but would not help me I also spoke with a different representative name  XXXX  I believe that 's what he said I really could not understand either representative but they refused to help me with my matter.

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 02/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Billing disputes

Complaint: In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor. Please contact all three bureaus to fix this issue. I 'm not taking another bogus computer generated code that reads verify. If you ca n't tell me your verification process and the steps you took to accurately accuse me of the account please do yourself a favor and remove it. If you read the law it states that in section XXXX please re read carefully if an account does n't go through steps of accurately verifying an account it must be removed immediately. If you ca n't show or prove any verification process. If you do n't have any original documents then it 's another reason why you ca n't continue to allow an account to remain

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with CNG FINANCIAL CORPORATION (FL).
Issue: Charged bank acct wrong day or amt

Complaint: I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.

Company response to consumer: Closed with monetary relief