milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017

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 11/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: My checking account was charged XXXX overdraft fees over a period of time of approx one week because of an overdraft that then cascaded into fee after fee after fee because of negative balance transactions in the account. XXXX fee? fine. XXXX or more fees fees is not fair. I asked the bank to refund some of the fees, they refused because I have had fee reversals in the past. However they did not care that the fee reversals were because my account had been hacked. They said my account is " ineligible '' I looked into the history of my account and there was a period where I deposited money to try to correct the situation, but all the fees have eaten up all of that that it all started again ... .there are at least {$200.00} IN FEES AND I DID N'T EVEN HAVE XXXX $ to my name during that period. 

The bank also only sent me an email alert today XXXX XXXX, of an overdrawn account ... while for days I have been racking up fees. And never was there an alert that I was getting continual fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I was in a car accident. I called Chase they informed me to give them information to insurance company and hold payment until deemed totaled etc. XX/XX/XXXX it was deemed totaled but only covered a portion of the note ... .. {$9400.00}. The gap insurance covered a couple hundred dollars as well leaving me with a balance to be paid about 1400 I did not have out of pocket. So they said the $ XXXX payment did not count as a payment and continued to report to the credit as late and charged off the account. without giving me the option to make small payments thus resulting in this dinging my credit report from XX/XX/XXXXthrough XX/XX/XXXXand now I am unable to get an auto loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: I have contacted all XXXX credit bureaus on multiple occasions and, this account still have not been addressed. This is a re-aging debt and they are practicing reinsertion of unverified debt which is a violation of the FCRA. This company never loaned me any money. This car was purchased and has been sold already. I have gone a further step and have provided a document that has witnesses my claim via the XXXX State.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.

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 12/13/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are two inquiries on my report that I disputed with XXXX and the credit bureaus. I also spoke with XXXX  concerning the two inquiries and XXXX stated they do not show the inquiries in there system. XXXX told me to dispute them with the credit bureaus and I did. XXXX XXXX and Experian keep stating they verifed the inquiries. The credit reporting agencies did not verify. If this was true they would be removed. I called XXXX again and they stated the credit bureaus did not verify anything with them. The inquiries were on XXXX XXXX, XXXX and XXXX XXXX, XXXX. These inquiries are affecting my score and I want them removed immediately! The number I used to contact XXXX is : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Fraud or scam

Complaint: Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Payday loan () with BlueChip Financial (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2017 about Credit card () with STERLING JEWELERS, INC. (NY).
Issue: Transaction issue

Complaint: My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm writing because the a man today his name was XXXX XXXX the other days he 's had different names and he calls from a variety of different numbers from different states within the United States he claims that he 's with Midland funding and I manage my account with Midland funding over the Internet he is also claimed to have access to my credit card information and is increasingly and increasingly attempting to make each call more personal and has even reference my location and what I 'm doing for the day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: I opened a Bank of America eBanking checking account in XX/XX/XXXX. This account charges no monthly fee as long as no teller services are used, and this fact is not disputed by Bank of America. At the beginning of XX/XX/XXXX, my account was involuntarily converted to a Bank of America Core Checking account with a XXXX monthly fee. I received no notice of this conversion, and in no way acknowledged or authorized the conversion. XXXX monthly fees have been charged to my account, on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I noticed the monthly fees in XXXX and went into a Bank of America branch, where the manager stated I had to call in to have the fees waived and the accounts closed. I called the number he gave me, and spoke with a supervisor. The supervisor stated that all " eBanking '' accounts had been converted to accounts with monthly fees, and that the bank had a general policy of sending letters and emails about the conversion. However, the supervisor said that the bank could not provide any records of specifically having sent me a letter or email about the conversion. 

I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Bank of America regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

The supervisor stated that she could not reverse the XXXX monthly fees, but that she would pass my case to a manager for resolution within XXXX business days. One week later, I have heard nothing from Bank of America and the fees have not been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with R.A.Rogers, Inc. (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I noticed a delinquency on my credit report. I immediately contacted the reporting collection agency to dispute the debt because I thought it was identity theft. I learned from XXXX XXXX XXXX that the original debt was from XXXX XXXX XXXX for XXXX XXXX my ex-husband. We were divorced in XX/XX/XXXX and this debt was for an overdraft of his checking account in XX/XX/XXXX. I disputed the debt as I am not liable for his debts after our divorce nor did I have any knowledge or any part in what happened. I provided our divorce paperwork to XXXX to remove myself from any joint accounts years ago. I was told by XXXX XXXX XXXX that there was nothing they could do and that I was liable for XXXX debt. I immediately contacted XXXX to dispute the debt. I was transferred to a member's resolution specialist. I explained that situation and disputed the debt. I was told that I was liable for XXXX debt because they could not locate a copy of a signed release form. That is not my fault. I did what I had to do to remove myself from any accounts and I am NOT liable for my ex-hsuband's unpaid debts 6 years after our divorce! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 12/29/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: Late fees and interest charged for an account that was paid on time.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.

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 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My inquiries fell off but then they were reinserted and I never got the five day notice ( which is as FCRA violation ). The inquires are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I previous had a account with Wells Fargo, I notice that they were charging fees on my account and my checking account balance was an amount one minute and another minute it was a different amount when I would log online to check my balances. I never used my checking account during this period. I was then instructed that I owed {$1500.00} in fees on my account which I am disputing and they sent my account to collections without any type of explanation of the fees. I am looking to have these fees waived and my account removed from the XXXX as they placed my loan in 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 non-monetary relief
Consumer complaint received 12-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contacted Navient regarding my student loan, while I was in school I was being contacted regarding my student loan was late and required attention. At this time I have been in school for almost 6 months and they were reporting that my student loan was late. It should 've been deferred because of my full time status in school. When I spoke to the rep, he stated that it was a mistake and the school did n't notify them of my full time status. He explained the process saying the school should have sent my status to the government loans and it would 've been automatically deferred. He decided to remove the late payment from my credit report. When I checked my credit report, it was not removed and it shows that I have 12 late payments on XXXX and 11 late payments on XXXX which is incorrect. I contacted them again, and the new reps said that I do n't have any late payments recorded on my account. I asked them again to ensure that I had no late payments and it was reflected incorrectly, they stated that in their system I do n't have any late payments. I then waited one month to see if the late payments would be removed from my account, and it has been past one month and the late payments are still showing. This is ruining my credit score totally as it shows that I 've been late recently on my student loans, and I have not. I have tried twice to contact customer service, and they were unable to see what I am speaking about but its reflecting on my credit report. This information will be noted on my account once sent to Navient.

Company response to consumer: Closed with explanation