milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2012 I walked into a WellsFargo branch office in the City of XXXX California. I asked to speak to a manager. I told them that I had received a letter that I owed $ XXXX+ dollars and wanted to know why. I was told it was because I was not using my checking account. I told them I have never opened an account with them at all. I told the manager, I come in to make my mortgage payment and the teller usually asks if I am interested in an account and I always said no thank you but took information about their account services. The manager said he showed I had an account but they could not find any proof of me signing any documents or having an account other than what they showed on their computer. The manager told me that since my Mortgage is with Wells I can open an account and wo n't be charged fee 's at all for having an account with them and that he would take care of the $ XXXX+ fee and remove it. So I went ahead and opened a new account Note it was not the same account number they claim I had. It was a completely new account. About 5 to six months later, I get a letter from Wells Fargo that they debited the $ XXXX+ because they said I owed them the money. I went back to the branch three more times in the period of several months to resolve the issue and get my money back and it was never resolved. I felt stupid and crazy because they said I owed them the money. Now I find out that many WellsFargo employees were committing fraud and realize that I am one of the victims. I want my $ XXXX+ dollars back. It 's not even about the money it 's the principle, how can someone open a bank account without your knowledge or consent then charge you the fees. At the time I was a struggling single mom and that {$60.00} was a week worth of groceries and lunches for my kids. They got me to go into the branch and open a real account and then still charged me fraudulent fee.

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 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had two accounts one a secured card with a {$250.00} credit limit this card had three returns from my bank, and two payments that was 30 days late. The rest of my payments on this account was paid on the due date or before and I always pay extra. My second card was a Quicksilver card with a {$500.00} credit limit. This account has only had one payment that was 2 days past my due date. Before I received my first statement for my Quicksilver card I was turned into the fraud department. I was told that due to my missed payments I needed to show proof from the bank that this was not my fault. My bank faxed in the documentation showing that it was the banks fault and the bank corrected those payments within days of being rejected. I then received a phone call from the executive office stating thank you for sending in the documentation that we have asked for after review of your account it has been determined that your account will be reactivated this was 7 months ago. Every time I call I have been told that I have to have the bank re fax the documentation and that my account has been closed. Also every time I have called to discuss the situation with Capital One I am advised to apply for a credit card because my payment history shows that I pay on time and more than what is due. I have reapplied as they stated 5 times and every time I get denied. On my credit report it shows both accounts closed by creditor but just this month my Quicksilver credit limit has been raised from {$500.00} to {$750.00}. I have all of my statements showing my payments that was made with the amounts and the dates that I paid my bill. I no longer Bank with XXXX XXXX who is at fault for the three rejected but corrected transactions. I have asked several times to have them look into this situation. I do n't understand why Capital One would take the time to call me and leave me a message stating that my account would be reactivated if they never intended to unrestrict my account. As well as trying to understand what it is that I did wrong, not only does this look bad on my credit showing closed by creditor but it also makes me look bad in the eyes of the company. When it was already proven that I was not at fault for the banks rejection for possible duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (IA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.

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. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information may have been leaked by the Equifax cybersecurity incident on XX/XX/XXXX ( https : //www.equifaxsecurity2017.comXXXX ) which was reported to the public on XX/XX/XXXX. Their website confirms that my information may be have been compromised ( https : //www.equifaxsecurity2017.comXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I submitted a dispute with Equifax Information Services on XXXX XXXX, XXXX for a collection account with XXXX XXXX XXXX in the amount of {$570.00}. The account was in error, as XXXX XXXX XXXX had billed me for services that they never rendered. Equifax removed the information from my account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX Equifax reinserted this account on my file for {$570.00} under another company name XXXX XXXX XXXX. This was done dispute receiving sufficient information from me to show that the account was submitted in error. I disputed the account with Equifax to which they did not remove the account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have items that were dated wrong, XXXX now showing up as XXXX, not sure why, not applied for credit more then 3-4 times now listed over 7 times which nick my credit down plus XXXX XXXX card we or I cut up and returned to company is listed on my report tried to ask Equifax if there my mom credit cards and on one of them why is this reported as thought it was all my debt since she is XXXX has health issues and asked me to get her things at the store or on line, as said not sure it seems to put my credit off it it assumes I am responsible fully for being added after the fact to one of her credit cards which I believe are in good standing. I asked could I be held fully for this debt and if its listed as both of us why income or only most half shown since I am not the original card holder but seem to get ignored I am also having mom remind XXXX. XXXX XXXX card was returned after I cut it up and she had me removed which was or should of never been sent as she removed me earlier that year. This is wrong and or dates wrong, had ID theft but if they have your info guess one is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who is this and shows up twice why? Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXwho is this Inquiry from XX/XX/XXXX XXXX XXXX XXXX date XXXX? Inquiry from XX/XX/XXXX XXXX XXXX CXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX No idea who this is or why it is here. XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with LJ Ross Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Trans union credit company XXXX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I 've sent letters out about removing theses items and got no response back at all

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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: The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX representatives from focus financial called me several times, very rude and threatened to take legal action if I do n't pay

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never recieved service from XXXX. The phone was returned to company. XXXX was never activated. So this is a fraudulant attemp to collect a debt that doesnt exsist.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have had a loan with XXXX but all of a sudden I have not been able to access my account. Navient calls me and tells me that I need to pay them. I tell them send me a statement in the mail so I have proof of this bill. It has been almost a month and I have not received a statement and on top of that I am being harassed by Navient every day. Still no statement has been sent. I should have some assurance that my payments are going to the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortgage Company ( Iowa ) has allowed my flood insurance to lapse ( they escrow for taxes and insurance for my property ) They admitted that it was their fault in a letter sent to me, and subsequently agreed to let me find my own coverage, although they had placed a XXXX forced policy. They further assured me that they would not charge me, and would adjust the amount once I got my own policy. They renaged on their word, and added {$400.00} to my monthly payment which is paid on XX/XX/XXXX and XX/XX/XXXX. 
Per an attorney, I should proceed with getting my own policy, which I did. They got the invoice and my signed application from the Insurance Agency, sent me a letter one day saying that the forced policy has been cancelled, then another letter stating that they place ANOTHER forced policy because the coverage is not enough. I asked the POINTED question, what is the dollar amount that is needed because the amount of my policy was based on the square footage of my home, and the NFIP requirements. I have received no response, and several contradicting answers from the calls that I have made. The new agency has requested that they fax them ( XXXX ) the dollar amount that they required. To date, the response has not been forwarded.. Wells Fargo has been very dishonest, and uncooperative in their interaction with me, and I might add CONDISENDING. Their intention is to direct business to their OWN insurance department at the expense of poor consumers like myself. I have been going through this with them for MONTHS. They will, and have been, doing EVERYTHING not to pay my policy. They got a phone number of XXXX XXXX to call, yet they called a number that is not yielding the appropriate results, which is to get the policy paid. I might pursue legal actions, but I am so frustrated, that I think this company needs to be reported to as many agencies as possible ; and be aware that this has been an ongoing practice with Wells Fargo.

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 01-04-2018 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: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with IBERIABANK (LA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I made multiple purchases on several occasions in XXXX to a company called XXXX. They charged my bank international fees and every fee was drafted and paid correctly out of my Iberiabank account. Now 2 weeks later XXXX double charged me all those fees again for no reason ; I have not made any recent purchases. Because of this my bank account totaled {$640.00} in the negative. I called Iberia bank and asked why they allowed my account to be double charged and if they would demand the money back from XXXX that was stolen and they said it's not their fault and not their problem. They also said I would be charged {$35.00} per each debit that was overdrafted which now leaves me over {$1000.00} in the negative. I have bills that I desperately need to pay and I can not because my account is so far in the negative. I can not pay for the money that was stolen by XXXX and I don't believe I should have to. My bank should have stopped all the charges because I don't even have overdraft protection.

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 11/16/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other transaction issues

Complaint: On XX/XX/XXXX I went to a Bank of America ( BoA ) branch on XXXX XXXX XXXX XXXX XXXX MD to set up an automatic bank transfer to XXXX XXXX to pay my landlord their rent. On XX/XX/XXXX the funds were extracted out of my account and transferred to the account set up on the bank transfer. On XXXX my landlord notified me that they had not received the funds and the information they provided for the account transfer ( routing & account # ) was wrong. I immediately contacted BoA national office and was told they needed to check and I would receive a call back. On approximately XX/XX/XXXX I returned the call, having heard nothing, and was told there was nothing they could do but I could reach out to the local branch to find a resolution. On XX/XX/XXXX I took off of work to make an appointment with BoA in XXXX XXXX. There I worked with an associate who, after 3 hours of work and getting the run around by BoA, was able to draft an unofficial letter requesting the funds. This letter was faxed to XXXX XXXX. Unable to receive any more information, on XX/XX/XXXX I called back to the local branch and was told that XXXX XXXX claimed it was not the correct letter. They needed a " letter of indemnity '' from BoA. On XX/XX/XXXX BoA generated what I was told was the most official letter they could provide. This letter simply stated that funds were transferred out of my account to XXXX XXXX. Again, XXXX XXXX said this was not enough. It is now XX/XX/XXXX and this issue is still without a resolution. I know that it is illegal for individuals to spend money that they received incorrectly. So I am just looking for BoA to work with XXXX XXXX to retrieve the incorrectly transferred funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Credit card protection / Debt protection

Complaint: XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status, statement, and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs.

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 07/28/2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Prepaid card (General purpose card) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I put {$300.00} on a prepaid credit card and only spent on a purchase with XXXX in the amount of {$10.00} and XXXX purchases of {$1.00} each with Silhouette. I went to use it again in 2015 and checked my balance and there was no money left on the account. There were XXXX transactions that I did not make to a XXXX XXXX XXXX in XXXX XXXX XXXX CA. I do not even live near XXXX XXXX XXXX or shop in the vicinity. I filed a complaint and sent them the receipt for the card that the XXXX 's XXXX where I purchased it in XXXX XXXX was so kind to give me. I then received a letter stating that they had no response from me and that the transactions appeared valid. They then closed my case even though I attempted to communicate with them by Fax several times. 
They have never answered any of my faxes. I have not tried to reach them recently since my husband was very ill and I was unable to deal with this problem. But I am now trying to get help to make some attempt to resolve the matter. I do n't believe the credit card company made any attempt to investigate but is just keeping the money and making it difficult to communicate with them. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation