milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (WI).
Issue: Application, originator, mortgage broker

Complaint: My husband and I have had a Wells Fargo Equity Line for {$35000.00} that we got XX/XX/XXXX. We mostly only paid the interest and racked up to {$35000.00} on it. It is past the 10 years and it was closed XX/XX/XXXX when we tried to refinance our home with Wells Fargo but that loan was denied by them. We still have been making interest payments with a annual financial rate of 6.35 % along with credit insurance. Due to limited funds, it is hard to make payments more than that. We recently talked with Wells Fargo trying to refinance and open another line of equity credit for the balance of {$34000.00} because that was the only way to lower the interest and change the time frame of the loan from 30 to 10/15 years. We were denied due to lack of liquid assets. Please help with verbiage in talking with Wells Fargo and what other options we have to get this loan paid off. Please let us now if you have other questions and advice. We currently have our Home Mortgage with 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 explanation
Consumer complaint received 01/17/2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (NV).
Issue: Managing the loan or lease

Complaint: This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : CHASE AUTO I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i was get this card from the barclaycard bank the ring master card by XX/XX/2016 when i get the card 2 days after i got locked out cuz they was need to verify a charge i make from this account but when i call in they wont verify me as the one own the account and not letting me do anything of my account and now its being almost 2 months my accout still are on the same blocked no matter how many time i call how many time i reset online account how many time i requsting have texting banking or email banking cuz they blocked me out of phone calling i dont konw what to do and i was trying to report the account as not opened by my end but im not losing my mind to do that to myself and i just had XXXX $ late fee from last month and they still locked my account and take late fee also i need help someone can talk to they and let they do the right things

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 10/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (AZ).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Hello, I purchased a XXXX XXXX card on XX/XX/XXXX with an initial load amount of {$110.00}. When I called in to activate the prepaid card so I could pay the bill I bought the card for, XXXX told me that they couldnt activate the card because of some account with Netspend. I do not have an account with Netspend and didnt understand why they would be telling me to call them to get a refund of my funds. They told me that XXXX prepaid is owned by Netspend. So I called Netspend and they said yes that they could not activate my card and that I would have to call XXXX to get my refund. So I call XXXX back and after getting a Manager and on the phone for at least two hours, the manager says that they cant activate it. Well I wanted to just get to the refund already, as this was ridiculous. I purchased a prepaid card with my money to pay my utility bill and they would not let me access the funds that I had purchased the card with! The manager told me that they would mail me a check in the mail and it would take 7 to 10 business days. Im very upset about this to say the least! 
Today the check still has not arrived and I just got off the phone with XXXX. The representative advised me that the check had not been released yet and, not to worry he would get it released today. He then tells me again that it would take 7 to 10 business days. I cant wait that long! I have been without utilities and I have children! I ask him if he can exepedite the check to me and he says no. I ask for a manager and when he transfers me, I just am on hold forever and then it disconnects. I never got to a manger and Im not even sure if my check got released. THIS IS AN OUTRAGE! VIOLATION OF AN ACCOUNT HOLDERS RIGHTS! I DONT HAVE ACCESS TO MY MONEY AND THEY JUST DONT DO THEIR JOB WHICH IS A TERRIBLE SOLUTION ANYWAY!

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 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was able to obtain a credit report from TransUnion through XXXX. When I clicked on the link to correct inaccurate information, I had to create an account after multiple attempts and then click on the link to file a dispute online. It did n't work and kept sending me back to the same page to initiate a dispute so I can correct the inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went to Experian to get free credit report and paid XXXX for the credit score. The condition that if you do not cancel in XXXX days you will be charged a monthly fee was not placed front and center and instead said free all over the homepage for using this service. However hidden in the terms and conditions which is a XXXX word XXXX hours read, right in the middle of the terms is where they say that it is free for XXXX days and you will be billed after that if you do not cancel. I feel this is misleading and needs to be placed in the front of a consumers application. Many of the terms and conditions are not even understandable unless you are a lawyer. I called Experian and they said that I can not get a refund. I only wanted a credit report and score for me any my wife and it costs us XXXX in the end for no service we needed.

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 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: To whom this may concern, This is a follow-up to my previous letter sent to TransUnion on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate. 

Sincerely Yours, 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 explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I try contacting company did n't comply with remove inquiry from my

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The supposed collection agency, Dynamic Recovery Solutions, started calling me around this summer and their calls have gotten increasing in number in the last few weeks. I have a very common phone number that is often misdialed, and I know I do not have any outstanding debts. They also call me from a lot of different numbers with my same area code, but verball leave a different number for me call back in their voicemails. I also do not live where the area code my phone number is from, which leads me to believe they do n't actually know my current address. I have only had one credit card in my life, my only medical experiences were while I was under my parents ' insurance, and I have never missed a student loan payment ( my only debt ). This company has a large number of complaints online from both consumers and creditors for their shady and often threatening practices, including not paying creditors and harassing consumers about false debts.

Company response to consumer: Untimely response
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Beginning in XX/XX/XXXX 2016 I began the process of fixing errors present on my credit report with XXXX, XXXX and Experian.
Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.
or 2 ) Information on this item has been updated.
Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX.
Creditor : XXXX XXXX  Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX and XXXX XXXX XXXX XXXX Experian has deleted XXXX XXXX XXXX  XXXX has deleted no inaccuracies

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 01-10-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I get garage doors ( XX/XX/XXXX- {$1100.00} ) from Home Depot on their credit card that offered no interest for 12 months ( 12-month period expiring in XX/XX/XXXX ). I had to make a small minimum monthly payment. 
I did not receive my first XXXX statements, and the first XXXX payments were late. I paid the credit card in full on XX/XX/XXXX along with a {$60.00} prior late fees. I was told that the other late fees of {$25.00} will be reversed. 
The fee was never reversed. The card issuer starting charging interest and monthly fees on {$25.00}. As of XX/XX/XXXX, ( a copy of the statement is attached ) the {$25.00} outstanding balance has increased to {$130.00} and this outstanding is reflecting on my credit report as 90-day delinquent. My XXXX score is down by XXXX points. 
It seems completely ridiculous that though my outstanding was paid in full- 6 months prior to my payment data but still I am labelled as 90-day delinquent and my credit score is impaired. I applied for XXXX credit cards last month ( XX/XX/XXXX ) but XXXX were denied because of this 'Home Depot Delinquent Account '. 
The credit reports need to make a distinction between principal unpaid and fees unpaid so that the credit impairment for nonpayment of bank fees is not treated with the same severity as that for non-payment of principal. 

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 monetary relief
Consumer complaint received 02/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discovered I had XXXX bills on my credit report. Suspiciously, both for exactly the same amount, XXXX. The company listed was E.R.C., so of course that meant nothing to me. Through diligent efforts, I found the bill was from sprint, which I had no bill sent to me, since the final bill about 5 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX and XXXX are still negatively reporting 4 student loans from Navient on my reports whereas XXXX has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: First Progress Platinum Credit Card XXXX XXXX XXXX XXXX XXXX, TN XXXX I sent a Deposit of Cash for {$300.00} to open Credit Card Account. I closed this Account and they said I owed {$250.00} but they never Returned my Deposit of {$300.00}. First Progress owe me a Refund of {$46.00} with a XXXX Balance Owed Paid In Full. I want an Investigation as to why First Progress never applied my Cash Deposit of {$300.00} to Balance owed of {$250.00}. Waiting for your reply. XXXX XXXX XXXX Credit Card Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried calling - never get to speak with an actual person. Everything to order the Free Credit Report based upon Credit Denial is very confusing. When I tried today, I had to enter everything either by responding verbally or by phone keypad, received my confirmation number but it then just kept repeating. THERE IS NO MEANS WHEN YOU CALL " To speak with a representative ''. What 's even more disturbing Equifax appears to make the requestor think they have to pay for the credit report - no mechanism to decline - then you have to hang up and start the phone call all over again. I believe Equifax is attempting to mislead someone like myself into paying for what I am legally entitled to for free. As a XXXX it is particularly disturbing and it is my request that the Consumers Finance Protection Bureau take action against Equifax for making is tremendously difficult for people to obtain their free credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with U.S. BANCORP (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.

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 01/21/2018 about Debt collection (Credit card debt) with MERCHANTS ADJUSTMENT SERVICE, INC. (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time. 
It is causing me great hardship dealing with this matter for so long. 
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with U.S. BANCORP (WI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )

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 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: After many attempts to modify the mortgage on my home that was set to balloon I was forced to follow Bank of America 's advice and to short sale my home. 
My home has been listed since XXXX 2015. I received a purchase offer on XXXX XXXX, 2015 and submitted the offer to Bank of America. Two months into the process, with all documents submitted, appraisals complete, I was only waiting on Bank of America 's response. Bank of America abruptly closed my short sale file on XXXX XXXX, 2015 because they stated, there was a field missing my agent 's license number on the Bank of America Short Sale addendum. Instead of communicating this problem with me, Bank of America closed my file and told me I had to start the process, that already took two months over again. We just completed resubmitting all of the documents and I received a letter stating that Bank of America sold my loan to XXXX XXXX XXXX and I will have to start this process over a third time once this loan is transferred in two weeks. I believe Bank of America closed my short sale file because they knew they were selling my loan. Instead of allowing me to take advantage of the XXXX short sale that we were approved for and that they advised me to do, they sold our loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation