milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Credit reporting () with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. I am a victim of identity theft and there is currently a {$3600.00} charged off XXXX XXXX XXXX account ( XXXX ) being reported to my credit report that I did not create. In my most recent dispute, I requested the credit bureau to block this account from being reported on my credit as is my right under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). Under this statute, a credit reporting agency must block the reporting of any information that resulted from an alleged identity theft if the consumer can provide appropriate proof such as an identity theft report. I have repeatedly sent the credit bureau a copy of an identity theft police report I filed with my local XXXX XXXX Police Department 's office on more than three separate occasions. To this date, the only generic response I have received is that the account has been " verified '' and will not be deleted. Bank of America itself has not been able to prove that they have the right person in their records and has n't removed this inaccurate information. I am filing this complaint because the credit bureau is refusing to acknowledge my request to have this fraudulent account BLOCKED. It is my right as a consumer to request this and I will make sure the credit bureau is held accountable to the full letter of the law if they do not honor my request and continue to stall my dispute. I am once again attaching a copy of the identity theft report in this email which I know the credit bureau already has.

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 12-09-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried to pay off my mortgage with Amerisave Mortgage Corporation numerous times ( 3-4 ) and they keep charging me extra fees and will not close out the loan. Each time I have sent them a " pay-off '' payment they inform me that it did not arrive on time and charge me additional " handling '' fees. This is harassment and intentional. I have spent many hours on the phone with Amerisave trying to resolve this. I finally sent them a Certified Letter formally requesting that they close the account. None of my efforts have been able to close this account out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this.   I continue to get responses from a nameless person likely  XXXX   XXXX  not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that  i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked  XXXX   XXXX  to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is   XXXX   XXXX   this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Last year in the month of XXXX i moved to Nevada into an apartment. During the move i submitted and address change through the post office. I had a leftover bill for XXXX aparments in the amount of XXXX. I sent them a check for that amount in hooes to handle that bill, but recieved the check and a letter from a collection agency about a month or so later stating i was in collections. It is not my fault he apartment failed to accept the check and then placed me in collections. It all happened during my move meaning somewhere along the lines there was an issue and the place should have accepted my check instead of sending me to collections with FCO. FCO will not remove or delete this. 
In XXXX of XXXX i switched from XXXX XXXX XXXX to XXXX with the promise that they would pay my disconnection fees. Found out this year in XXXX while trying to purchase, that XXXX failed to pay the bill and failed to notify me about this issue. They are accepting their failure and are paying me the amount owed for the bill but XXXX XXXX XXXX put it in collection with XXXX. If i would have been notified of their failure to pay i could have handled this before it went to collections. Due to XXXX negligence it has affected my credit and XXXX does not want to remove it from my credit. I have called both mutliple time XXXX and XXXX of XXXX and no one is willing to remove the mark on my credit. I took action and paid both but now im stuck with a negative mark till 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 04-11-2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. 

Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: So apparently Navient was unable to contact me for half of my loans as I began paying off the other half. They always had my contact info and I thought all if my loans were consolidated. Then, they fold my loans to a collection agency that decided that after a few months of not being able to contact me, that they did a XXXX time doubling of my loans. I pay over XXXX a month for an associates in restaurant management which costs XXXX}. I have been paying for years and somehow still owe over XXXX}. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (WV).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have two private student loans with what is current Navient, formally XXXX XXXX - These loans have variable interest rates - I knew this when I signed the Promissory Notes - My issue is that my rates are going up at an alarming rate! - 0.25 % almost every 3-4 months - My payments have gone from under XXXX $ a month to XXXX $ a month - As a college graduate with a number of serious medical conditions that unfortunately do not allow me to use my degree I am unable to obtain a job in my degree field - Loans become difficult to pay - Medical bills add up - I understand these loans are my responsibility and am willing to pay them as long as I can scrape pennies together and pay them every month - This growing interest rate is becoming a problem though - I do not understand how or why this is happening? - I get the concept of variable rates, I do - I have come to a point that I am almost unable to make these astronomical payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

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 11-03-2015 about Debt collection (Medical) with Rhodes, Kelly Assoc Inc (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Their first attempt to contact me to discuss a debt from a recent medical bill was to contact me at work directly. They did n't initiate by my cell phone or by mail at all. Told me, at work, that I needed to contact them before the original creditor decided to take further action. Totally unacceptable and unprofessional forcing me to respond and negotiate such items at my work place, in front of other employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient is over-charging interest and late fees on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 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 information incorrect

Complaint: THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND XXXX. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Prepaid card (Payroll card) with CITIBANK, N.A. (OH).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16, I attempted to log into the Citi prepaid site to check my balance information for my XXXX XXXX payroll card. After several attempts to enter my password and getting rejected, I bypassed the login and entered my card details to see my transactions. I was extremely shocked to see that someone had made an unauthorized bank transfer of {$4900.00} from my account on XXXX/XXXX/16. I immediately called Citi Prepaid card services to report the fraudulent transaction. They placed a block on the account to prevent any further fraudulent activity and issued me a new card by mail. They informed me that the fraudulent transfer was made using a XXXX account of unknown origin, a bank I have no affiliation with. They told me to check back every few days to ask about the investigation, but that was it. They did n't offer to credit me the missing money or anything. I filed a police report the very next day and forwarded the case number to Citi by phone shortly afterward. As of XXXX/XXXX/16, Citi says my account is still " under investigation '' and although they issued me a new card, they refuse to remove the block on my account. They have already had 10 business days to investigate this matter ( my account is more than 30 days old ) and according to what I 've read on this site, they are supposed to credit me the missing funds while the investigation is ongoing. They told me the investigation could take 45-90 days to complete, and that they can not remove the block from my account while the investigation is still ongoing. In the meantime, I have bills to pay and no way to pay them. Talking to them Is getting me nowhere, and I am becoming very frustrated.

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 10/20/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Fraud or scam

Complaint: I 'm currently with the Rush Card thru XXXX XXXX ... as you guys probably already kno it 's been 8 days and we still ca n't access our hard earned money nor speak to someone at customer service! All of my bill are due and their is nothing I can do ... .I think it 's sad we ca n't access our money

Company response to consumer: Closed with monetary relief