milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. Box XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies 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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: From Equifax credit report :XX/XX/XXXX : XXXX XXXX shows an account status/type of Credit Card with a balance of USD {$1800.00} XX/XX/XXXX : XXXX XXXX shown an account/status type of " Amount in h/c column is credit limit '' of USD XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: My loan was with Wells Fargo and I was going to do an assumption loan to get my ex wife off of the loan. Wells Fargo said they my loan could be assumed by me with no appraisal and everything would stay the same as long as I was credit worthy. The total cost was going to be around {$1000.00} plus Florida fees. In my divorce decree, it said I had to get my ex off the loan within five years. Five years is this XXXX My house is upside down so there is no way I can do a regular refi on my home. I called Wells Fargo to tell them I want to do their assumable program and they said that my loan had been sold and would have to go through XXXX XXXX XXXX since they bought the loan. When I called XXXX they said they do n't have that same program and to get my ex wife off the loan I would have to refinance the loan. Since my loan is upside down I ca n't afford to refi. I am going to have to let my house go into foreclosure if I ca n't work something out with someone on this. I do n't think it 's fair that because my loan was sold I can no longer do this program that Wells Fargo had. Is there anyway I can make Wells Fargo keep my loan until I do their assumption loan? It does n't seem fair to me.

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 06/30/2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: For several months now ( since XXXX 2016 - current month ) every 90 days I have received a letter in the mail from Chase Bank, informing me that my application for the Amazon.com Visa Signature card has been denied. I have Never once applied for this credit card. I saw these inquiries on my XXXX credit bureau report and have filed a complaint to XXXX to remove these credit inquiries from my credit report as well as placed a Fraud Alert on my accounts in case they try to apply for this card again. After calling Amazon about this issue, they told me to call Chase bank. I have spoken to Chase bank twice now, once on my own and most recently through a Chase banker inside the bank and they told me to contact XXXX. Today I finally got a live agent from XXXX on the phone and they would not help me until I gave them my SSN, address, and birthday. They said they ca n't do anything about the applications under my name aside from trying to remove the inquiries and I just have to depend on the Fraud Alert to call me if someone tries to open that card under my name again. I asked the agent if there was anything else they can do to help me find out who or where this identity theft was applying for the Amazon Visa Signature card from, and they told me to contact Chase Bank. Like I said above, Chase Bank could not help me. Hopefully the inquiries under my name stop but I wish there was more Chase, Amazon, or XXXX can do to help me protect and restore my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MA).
Issue: Managing the loan or lease

Complaint: I bought a watch for {$8900.00} plus tax 0f {$550.00} for a total of {$9500.00} from XXXX XXXX in XXXX of XXXX. I was given 12 months to pay the monies back without interest of XXXX percent as I filled out a credit card application through XXXX XXXX XXXX and Wells Fargo financed the transaction. I made {$800.00} dollar payments for 11 months and mailed my last payment of {$920.00} for a total of {$9700.00} on XXXX XXXX, XXXX but it was not posted till XXXX XXXX by Wells Fargo. 
Wells Fargo is now charging me XXXX percent on the original amount owed of {$9500.00}. 
Although I substantially paid down the amount owed they say I now owe them an additional {$1900.00}. They are acting as if I did not make payments. They are basically saying that if borrowed {$10000.00} on day 1 and on day 365 I paid them back {$9900.00} then I owe them an additional {$2700.00} because I owed them a dollar. 
Please help me. The true interest rate on this loan since I made payments to reduce it is more than XXXX percent. 
I have now received a statement saying I owe them {$1900.00}. Pathetic.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding creditor XXXX XXXX XXXX account # XXXX. Previously, the creditor claimed a charge of amount of {$6300.00}. As of XXXX-17 per email and phone conversation with an account representative with XXXX XXXX XXXX, the account balance has been updated to {$0.00} from the incorrect charge off amount of {$6300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Rushmore Loan Services bought my mortgage about a year ago. Recently I have recieved XXXX notices from XXXX that my taxes have not been paid. I contacted Rushmore and they said to fax the notice. I did and then a month later I recieved another notice from XXXX saying that my taxes are delinquent. I contacted Rushmore again but they were unable to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i pay account in full and it is sill on my credit 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 06/15/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number XXXX XXXX XXXX XXXX XXXX, which is a skype number. Collection activity has been outsourced to people in XXXX, in the XXXX. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Further, the debt was n't even 2 months delinquent. Even after I made a payment for the past due amount, the rep demanded I make a payment for the remaining amount which was n't even due until XXXX/XXXX/2015, XXXX payment was made on XXXX/XXXX/2015, the next due date was on XXXX/XXXX/2015 ) or the calls would continue. This is also in violation of the FDCPA. Contact has not been stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Other

Complaint: Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong

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 10/24/2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a phone call on my direct line at my place of employment on XX/XX/XXXX at which time I sent them a letter via fax and USPS to cease and desist contacting me at my place of employment during my work hours. I have continued to receieve phone calls : XX/XX/2016 at XXXX XX/XX/2016 at XXXX XX/XX/2016 at XXXX I have sent them 4 notices, all faxed and then sent by standard USPS delivery. 

On XX/XX/XXXX I spoke to a woman named XXXX who verified that they had received my communications and was unsure why I was continuing to get calls. She was going to contact their IT department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I closed my checking account with Wells Fargo on Friday, XXXX/XXXX/15 in person at the same branch I opened it 15 years ago. The teller confirmed that the account would be closed and handed me in cash the remaining balance. I also have a credit card account with Wells Fargo and it was setup to autopay from my checking account. Payment was due on XXXX/XXXX/15 in the amount of {$290.00}. I attempted to cancel that autopay but they do n't allow you to do it online. Since the checking account had been closed, I decided to not worry about it since could n't very well autopay from a closed account. I made payments of {$500.00} & {$1000.00} to the credit card account on XXXX/XXXX/15 from XXXX separate checking accounts outside of Wells Fargo. Both posted on XXXX/XXXX/15. Wells Fargo proceeded to deduct {$290.00} from my closed checking account and transfer it as a payment to the credit card account. This caused the checking account to be charged a {$35.00} insufficient funds fee. I specifically opted out of their overdraft system previously and chose to instead have them deny payment if insufficient funds due to their manipulation of their internal system to generate fees. They then transferred {$290.00} from my credit card account ( yes, the same XXXX they had just paid ) to cover the overdraft in the checking account and charged that account another {$35.00} for paying the overdraft. Another option that I had specifically exercised to not implement because of the outrageous fee they were going to charge for as little as covering a {$1.00} overdraft. They set the system up so they would make {$70.00} for any possible overdraft if you let them tie it to your credit card account. After speaking with the Wells Fargo claims department after sending them an email detailing the problem, I was informed by the claims department person that I needed to take this up with the local branch because she did n't show the account closed. So far, I 'm about an hour into trying to protect my money and still have to spend time at my local branch. I would n't file this complaint at this point except I doubt I 'm unique in this situation and I suspect that Wells Fargo has generated a great deal to their bottom line by manipulating accounts and fees and most people just give up rather than fight them. Of course, that 's exactly why your agency was created and hopefully you will be able to force them to quit these heinous practices. One thing is for sure, I made the right decision last Friday to close my account with Wells Fargo. Thanks for your time. I have enclosed a document that contains my account info and copies from online of what transactions took place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Taking out the loan or lease

Complaint: I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.

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 04/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: TransUnion never responded to my initial dispute with XXXX XXXX XXXX Acct # XXXX. I disputed this account because it was not familiar therefore inaccurate. I never received a response to my dispute submited on XXXX/XXXX/15. After my second dispute submitted XXXX XXXX, 2015 they sent me a notice on XXXX/XXXX/15 saying it had been verified but no documentation verifying this account was provided from TransUnion nor XXXX XXXX XXXX. Therefore it should be deleted.

Company response to consumer: Closed with explanation