milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 OBTAINED A COPY OF MY REPORT AND IT CONTAINED MULTIPLE BANKRUPTCY FILINGS THAT ARE NOT MINE. I FILED A DISPUTE AND THE CASES REMAINED AS VERIFIED. I WAS INFORMED THAT THE CASES WERE VERIFIED WITH XXXX XXXX. THE REGULATIONS REQUIRE THAT THE REPORTING AGENCY VEIRFY THE INFORMATION DIRECTLY WITH THE COURTS AND NOT A THIRD PARTY FURNISHER OF INFORMATION. THEY HAVE FAILED TO VERIFY THE INFORMATION IN ACCORDANCE WITH THE REGULATION.

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 06-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I ran my credit report earlier this year and found that TransUnion was listing multiple incorrect addresses associated with my name. On XXXX/XXXX/15, I wrote them asking for XXXX to be removed. ( The other incorrect addresses they listed were obvious typos & duplicates and, given the TransUnion incompetence that demonstrated, I thought I 'd keep it simple for them. ) While they removed XXXX of the incorrect addresses, they left the XXXX. On XXXX/XXXX/15, I again wrote requesting they removed this third incorrect address. Instead of removing the address, they sent me another copy of my credit report. ( It 's a good thing I did n't ask them to correct the stale phone numbers and employment data they have listed. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt belongs to my deceased husband.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OK).
Issue: Account opening, closing, or management

Complaint: I received this email from what appears to be Wells Fargo. I believe it is some type of fraud. I do not have an account with Wells Fargo nor do I want one because of their business practices. I am going to also submit a complaint on FTC site. I just wanted you to know. 
I will attache the saved word doc that has an additional image when you highlight the email to copy and paste. 
From : " Wells Fargo Online '' XXXX Sent : Friday, XX/XX/2017 XXXX Subject : New Update From Wells fargo Online Banking wellsfargo.com Important New Information About Your Account Dear Valued Member, We noticed invalid login attempts into you account online from an unknown IP address. 
Due to this, we have temporarily suspended your account. 
We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here XXXX After a few clicks, just verify the information you entered is correct. 
Sincerely, Wells Fargo Member Services Team P.S. The link in this message will be expire within 24 Hours. You have to update your payment information wellsfargo.com | Fraud Information Center Please do not reply to this automated email. 
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 01/27/2016 about Credit card () with Data and Contact Management Solutions, LLC (NY).
Issue: Delinquent account

Complaint: On XXXX/XXXX/2016, DCM Services, a debt collector, left a message for me ( the executor of an estate ) on my home voicemail, that was listened to by my daughter and her friends while I was not at home. The call came from XXXX XXXX XXXX ... " Hello this XXXX XXXX XXXX at DCM Services. This is a private message for ________. We are a debt collector attempting to collect a debt of the late__________. Please call me immediately at ... .. '' Although they stated that this is a private message and " if you are not ________, please do not listen to this message. ", they are not authorized to call my home and direct the persons living there as to what they can and can not do in the privacy of our home. I have asked this company to put any requests for information in writing, and I have directed them not to call my home again, prior to this call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts that do not belong to me from 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 explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I created a CitiGold account, and as an existing Citi AAdvantage credit card customer I was given a promotional bonus offer ( XXXX ) which promised XXXX AA miles on satisfying spend and bill pay requirements. 

I completed those requirements by XXXX XXXX 2016, as confirmed by the agents ( confirmation attached ). 

I then waited over 90 days, as per terms and conditions. 

But I still have n't received the bonus miles as promised, and the $ XXXX monthly fees will be racking up.

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 03/20/2015 about Credit card () with U.S. BANCORP (NY).
Issue: Other

Complaint: I used a XXXX gift card to make a purchase at XXXX on XXXX XXXX, 2014. I maximized the value of the card, so I discarded it. On XXXX XXXX, I returned the merchandise to the vendor and a credit was issued to the gift card in the amount of {$39.00}. I contacted XXXX to find out how to get the credit and have been given the run around. XXXX, I was told to submit the first XXXX digits of the gift card number and the tracking number to the issuing bank. I got the numbers from the vendor and submitted tehinformation to US Bank National Association. I contacted XXXX again and was told to fax a copy of my return item receipt, my XXXX and XXXX name, telephone number, mailing address and email address to teh XXXX and XXXX Unit at XXXX. I faxed this information on XXXX XXXX, 2014. As of date, i have not received any credit or response from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. XXXX and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX  falsely stated that I had insufficient length of credit history. XXXX falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. Equifax just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined Exquifax and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX, Equifax and XXXX and requested they cancel my order and decided to file a complaint with CFPB. 
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015 I tried to pay some of the past due amount on my loan and the bank REFUSED TO ACCEPT MY PAYMENTS. Since then I have tried relentlessly to get assistance from Wells Fargo on my past due balance. I fell behind last year, after a car accident and having to close my business. In XXXX 2015 I received a conditional approval thru Keep Your Home California and was told by Keep Your Home California I needed Wells Fargo to also assist in order to be approved for the program. I submitted everything to Wells multiple times and they would give me different excuses everytime. First they said I didnt make enough, then they said I made too much, now they are using different ratios than what they told me before. I have received conflicting information from them and they completely ignored the assistance I could have received from Keep Your Home California that could have helped me catch up! I was told by their Manager XXXX XXXX that he didnt have time to talk to me as he was busy interviewing people becasue they needed more people to answer the phones. He also told me they werent going to help me and that I should have savings in the bank like he did, because Wells Fargo pays him very well. He also stated that my situation would not improve no matter what they did for me! I explained to him he didnt need to speak to me in that manner and that I was simply trying to catch up. My partner had also been in an accident and had been on XXXX but things were getting better for us. I have always had good credit and worked hard and we were simply having a setback and needed help. I explained to him that things were still trying to improve here in California. I have provided everything they have asked for and they are still giving me the run around, each time giving me different criteria, and playing with the numbers/ratios. I feel im being discriminated against, and am not sure why. Im simply asking for a solution/plan to pay the past due balance owed. I was told yesterday that they could start foreclosure proceedings anytime if they felt like it and depending on how she was documenting my file-I 'm still working with Keep Your Home California for assistance HELP!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I initiated a bank to bank transfer into my Huntington Bank Checking account from my XXXX XXXX XXXX account for {$15000.00}. On XX/XX/2017, Huntington Bank rejected the transfer because my Credit Union account has my middle initial on it and my Huntington account does not. I was told by Huntington Bank that this happens all the time. The funds were pulled from my Credit Union to Huntington Bank in less than 24 hours. Huntington Bank tells me they rejected the transfer but will not return the funds for 3 business days while the transfer is being investigated. Huntington Bank is holding my transferred funds while not making the funds available to me. I spoke with CSR XXXX and supervisor XXXX on XX/XX/2017 and both explained that there is nothing they can do to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.

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 06/23/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am so angry at them I just want to cry and they could care less about their customers. Obviously because their customer service never responds and who has time to wait on the phone for over 45 minutes. Ive gone in to deposit checks and they cant even find me in the system. Ive been a customer for almost 2 years. 
Their unexpected fees are deceitful. 
They charged my savings account on XXXX XXXX {$15.00} for a service fee and on the same day {$29.00} in excess transfers ... all without me ever knowing they do this. Why dont they alert us if we are going over our monthly limit which I never did. 
I inquired about them on XXXX XXXX and received this response Upon reviewing your information, we were able to verify that your account ending inXXXX is a XXXX XXXX XXXX account. For this type of account, there are only four free withdrawals allowed per quarter ( 3 months ) at no charge. A {$3.00} excess transaction fee will be applied for each withdrawal transaction in excess of the four per quarter cycle. 
The Federal limit is 6 per month. XXXX I had 3. XXXX I had 5. It shouldnt matter what account I have. 

Then, I recently changes jobs so had to mobile deposit a check, a corporate check since my direct deposit hadnt taken place yet. It took them over a week to release the check. In the meantime, I could see they were including it in my account and letting my use my card. Called and emailed numerous times about the hold and release times. Emailed and tweeted on XXXX XXXX & XXXX and talked with someone on the XXXX. 
Check was deposited on XXXX XXXX and released on XXXX XXXX. Then they charged me {$340.00} in insufficient fees. 5 on XXXX XXXX, 2 on XXXX XXXX and 1 on XXXX XXXX. 
On XXXX XXXX I emailed regarding the charges, got a response about setting alerts and I responded on the XXXX. No response. 

None of the responses were helpful at all. 
Now Im negative and still being charged fees. And have no money. Like them charging my savings when there was no money there. Or asking over three times to turn off my over draft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: My loaned was transferred  XXXX   XXXX ,  XXXX  from the original lender. On  XXXX   XXXX ,  XXXX  I went down to the dealership after receiving calls of late payments. I showed them paperwork showing the last car payment was  XXXX   XXXX ,  XXXX . More calls later, I went to the dealership on  XXXX   XXXX . I showed the lady my contract, she agreed with me that the vehicle should be paid off. She called the current lender to explain my side. They said they would get back to me. They called wanting more payments equaling {$900.00}. The last day for payment would be  XXXX   XXXX .     The original lender is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO. The loan transferred  to American Credit Acceptance   XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Vehicle loan or lease (Loan) with MCMC Auto LTD (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have a sick baby which requires a lot of medical attention. Being a single mother I struggle to pay my bills due to missed work attending to my child. My car payment has fallen behind by 3 weeks in the past but the accepted my late payment. This past time I fell behind by 3 weeks the company repossessed my car with out telling me. I got into a tiny finder bender but due to a XXXX recall it left my car undrivable so I had it towed to a place to get it fixed on XXXX. The repair garage ordered my part and told me they would call me when ready. After almost a week on friday XXXX I call the repair garage to see if my car was ready and they told me my car had been repossessed off their lot. My last payment making my car payment current was on XXXX. They repossessed my car XXXX. Not even 30 days from my payment making my loan current. Its a bi-monthly payment so it was behind 1 payment. I didnt have a functioning phone because my XXXX had the XXXX screen of death so I could not use it and couldnt afford to replace it at the time so if they tried to contact me I would not know. I also asked them how they even knew where my car was and they told me they put a tracking device on my car with out my knowledge. I called an atturney to get some help because even though my loan was current they would not give me back my car. The atturney needs my paperwork on the loan which mcmc auto never gave me so I called mcmc auto to get my psperwork and they said they will give it to me but I have to purchase it for {$45.00}. Which is completely wrong to make someone purchase their loan agreement papers. They wont even give me my account number or loan number. I am still current on my loan and I still do not have my car, my loan agreement, and unless I pay them an absormant amount of money for repossession, towing, Storage, and buying my loan agreement I will not get my car back. I will not pay the repossession costs because they repossessed my car not even being 30 days late after accepting a late payment all ready. This is putting me and my sick daughter in much distress with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage bought my mortgage from XXXX. As part of the mortgage payment, we have an escrow account for the property tax and house insurance. Every XX/XX/XXXX and XXXX, the property taxes are due. Nationstar never paid the property taxes in XX/XX/XXXX. When I called, it took them XXXX minutes to cofirm the contact information for the county treasurer 's office but would n't take the information from me over the phone. They are trying to put me off by " escalating research '' to find out why the taxes were n't paid. ( I do n't care why THEY messed up. Just pay the taxes! ) In looking at this company 's information on the internet, I ca n't understand why you let them continue to operate?!! The complaints about this company are overwhelming. They are clearly incompetent, predatory in the marketing practices ( they annoy me constantly with email and mailings about refinancing our XXXX % mortgage ), and should not be buying mortgages. Please investigate this company.

Company response to consumer: Closed with explanation