milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In speaking with the RUDE US Special Handling Supervisor XXXX XXXX regarding the re-insertion of the fraudulent inquiries and the incorrect information provided to me on how this issue will be resolved including the Supervisor XXXX XXXX engaging in a debate with me and essentially hanging up I decided to escalate this issue. Consumers should never be treated with such DISRESPECT especially from someone in a position such as a Supervisor. 

On XXXX XXXX, 2017, I discovered XXXX inquiries were removed and re-inserted into my credit file but XXXX out of the XXXX inquiries re-inserted were FRAUDULENT ( documents on file ). TransUnion is aware of the glitch and has failed to notify me within five ( 5 ) days of re-insertion. TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete all XXXX inquiries 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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.

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 09-01-2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is  n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Other debt) with Southwest Recovery Services, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to 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 06/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My auto loan is due on the XX/XX/XXXX ND of each month I talked to them several times letting them know my situation has changed. After a year of continuous on time payments I have only been late 3 or 4 times. They start to call on the XXXX and call all the way even on Sundays which that is against the law I thought for Texas. One day they even called continuous just because I owed a late charge of XXXX. That 's after I made a payment 2 days before. They also harrass my wife 's phone at XXXX XXXX XXXX. Why do they call her since they say she could n't be on the loan. What can I do? The name of the company is credit acceptance @ 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 05/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a  representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 am extremely concerned due to the fact that my credit report has been compromised and I have disputed these items with the Bureaus and they refuse to remove the information. I recently got engaged and weeks later I was diagnosed with XXXX. I not only disputed these charges but I also sent proper verification as I had access to it at the time. This has been a nightmare for my family and I. Please help me get these erroneous accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check into my Wells Fargo checking account on Friday XX/XX/2015. The account had about {$350.00} and the amount I deposited in was about {$750.00}. I woke up on Wednesday morning the XX/XX/XXXX to an email notification from the bank that the deposit was put on hold. I went down to the Wells Fargo branch that I deposited the check out to clear the hold. The branch manager notified me that the hold was placed on XX/XX/XXXX and that the reason for the hold was that during the year I had a few overdraft charges. She also told me that the decision to hold the deposit was decided upon at their home office. Where ever that is. My complaint with Wells Fargo concerning this manner is XXXX fold. First off, they know its the holiday season and that people are spending money on gifts. By withholding deposits and not immediately notifying the consumer they allow the consumer to unknowingly overdraw their accounts. The decision to withhold the deposit days after the check was processed by the bank is highly suspicious. By the XXXX of the month the check should have been well cleared. Because I had overdrawn the account before I seemed like a easy victim for them to pull their scam on. When I approached the bank manager about this issue, within a minute she was able to release the hold on the deposit from her computer without any protest. If the bank had any real concerns about this as a long term issue then why would me telling them to release the hold be enough for them to release the hold. I also find the reasoning for the hold to be dubious in the extreme. To state the reason for the hold was because of overdrafts, then not allow a deposit into the account would seem counter-intuitive. Unless of course the bank wants the clients to have more overdrafts, which it does because it then slaps a {$20.00} charge on each overdraft. Wells Fargo 's actions in this situation are deplorable and should be held with utter contempt. It seems rather clear from my perspective that Wells Fargo was looking for an opportunity to slap additional charges on me by unlawfully controlling the timing in which deposits are allowed into the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.

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 10/27/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: I used a trusted web page. XXXX and verified the information obtained with a consultant, them proceded to contact XXXX XXXX XXXX XXXX acting landlord of a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me some questions and send me an e-mail then I sent to see the property and contacted trought text message. Then I sent him a money gram as a deposit to the house and he sent me the lease. Today I received the call saying I was a victim of a scam. I called money gram customer service to stop the payment and They put me on hold while Been on hold the money was picked up. After i learned that i asked the costumer representative to help me put a fraud and scam complaint. He said I needed to call the police in XXXX and the police said i needed to call the police in XXXX XXXX XXXX. The police in XXXX XXXX said i needed to get information from money gram on the pick up store, id address, birthday, expiration date. Money gram refused to dscolose information and said the police needed to call them and ask for that information. Besides that i had a security question/anwser inlace for anyone picking up this payment which i never shared with XXXX XXXX XXXX the person Who picked up the money gram

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I am currently unemployed, and having difficulty making payments to Navient. I just found out that they have been calling and harrassing my previous employer, for whom I have n't worked for over 2 years. This can not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.

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 04/28/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trident Asset Management is a ttempting to collect on a debt that by law, in the state of Florida, they 're not licensed or bonded to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CBNA XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: On XX/XX/XXXX I was notified by XXXX not the company, Equifax, contacting me or sending a letter to me about them having been hacked 41 DAYS AGO!! 

I was later told to go to the website to figure out if I was compromised. I did as instructed but it did not notify me if I was effected or not instead it let me know that I can opt into a credit monitoring service. 

I was not aware nor was there any information of regarding a terms of service saying what would happen if I opted into the credit monitoring service. 

I strongly suggest that Equifax be out of business since it lose the vital information that should be private : social security numbers, drivers license numbers, birthdays and credit card numbers. 

It will effect almost half of the USA and it should be held responsible for any damages that it caused. By paying for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (I do not know) with Malcolm S. Gerald and Associates, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keeps calling. Never received anything in writing from them regarding any debt. We do not have any debts. They try to trick you into answering the phone by saying that if you do not disconnect, they assume you are the party they are calling. Plain harassment tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation