milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

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 06/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PAY-O-MATIC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collector has called me several times a day for the past week. I have recorded each time they have called and emailed me. They have emailed me at least twice a day on a daily basis. I had explained to them the payment process my company goes through before issuing a payment and that I will call to make the payment. The collector for pay-o-matic continues to call constantly, interfering with my daily work routine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (IL).
Issue: Problems when you are unable to pay

Complaint: I have a Wells Fargo Home XXXX XXXX loan which is due the XXXX of the month. My XXXX payment was due on XXXX XXXX and my payroll direct deposit was XXXX XXXX. I scheduled my payment via Wells Fargo online system for XXXX, XXXX when funds would be available to cover the {$100.00} payment. 

When I received my statement several days later I found that I had been assessed a {$35.00} late fee, which has increased the XXXX payment to {$130.00}. When I call to ask why a late fee was assessed for a payment that was made 2 days past the due date I was told that Wells Fargo does not offer grace payment periods. When pushed further as to why, no explanation was given other than they do n't. The representative said Wells Fargo would give me a one time credit, but it requires me to still pay the {$100.00} plus the {$35.00}. The {$35.00} will then be credited to the outstanding balance. So I still have to come out of pocket for the {$35.00} late fee. 

I have never known a card or loan company not to have any type of payment grace period. Even my mortgage has a 15 day grace period. I feel that Wells Fargo is bilking their customers, and they should be made to stop this practice. Even if all they established was a 5 day grace period, that would be reasonableand fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting this debt to transunion with an opened date of XXXX. this account supposedly went delinquent in XX/XX/XXXX. Northeast credit collections was also reporting this debt to XXXX with a date of XXXX. they are reporting an old debt that should have been taken care of by insurance, and also reporting this as being opened XXXX which is totally incorrect. they are reporting this debt as it 's three years old when in fact it 's been 7 years as the debt was obtained in XX/XX/XXXX. they are reporting false information to the credit bureau in order to damage my credit and make it seem like a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The first time I contacted Monterey Financial Services LLC was when a collection/derogatory mark was placed on my credit report in XX/XX/XXXX and they are reporting it as an account that was opened XX/XX/XXXX. <P/>I explained to them that I am a victim of fraud and that this is exactly the way my identity is being used, online and with addresses and emails that I am not associated with. They said they would not assist me, that I must " deal with '' the 3 credit bureaus. I requested a copy of my file and they sent me a copy of the application and an electronic signature dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Problems when you are unable to pay

Complaint: Constant harassment & threats.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Wells Fargo has closed my secured credit card sometimes in XXXX of XXXX. I have found out about it in XXXX XXXX. I was told I should be getting my security deposit back to my checking account soon. In XXXX I still have not been given back my security deposit of {$600.00}. I n XXXX called again and got answer that they sent refund check to the address I do not live no longer. they were supposed to return money o my checking account two months ago. I was told I can go to any branch and request refund there. ( not  true ). I want to the branch and I was told I have to wait till and of XXXX to make stop payment to reissue new check. By that time different source told me that I have cashed the check what was not true ( someone else took it and cashed ). I sent the fraud form the bank branch and they claim that there is no form on file to process it. next time I was told there is a case but not assigned to anyone. case number was never given to me at no time. it ahs been 6 months and I have not gotten my money back

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 04-09-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had  XXXX   XXXX  owned by  XXXX   XXXX   XXXX  as a water delivery at my home in California. Over the course of several months, I was charged for extra bottles of water not delivered. I explained the situation multiple times to the route manager. They told me that they would get it addressed. Upon moving all the equipment was returned to them. Then I get a bill for almost  XXXX  I called and could not get anywhere. I filed a complaint with the CFPB and the matter suddenly was pulled from collections. I got a call from a  manager in California. They looked into the matter and credited the account and I paid the final bill of {$190.00} to them via a USPS money order. Now today, I get a not ice from a collection company telling me that I owe almost {$300.00} still. I immediately contacted the collection company via email and provided them all of the previous correspondence in disputing the matter. Then I get an alert they have reported this to my credit. I called the manager of California at  XXXX . He promised that he would get this handled and call me back. It 's been  three  weeks and no return phone call. I 've left several messages on his voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (Store credit card) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved 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 non-monetary relief
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (AL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: XX/XX/XXXX I asked Consumer Portfolio Services not to call me at work, co n't on last call at work was on XX/XX/XXXX. My reference gets harassed since XX/XX/XXXX. XX/XX/XXXX when loan started. My loan should have only about 2 years left, my loan has almost 3 years left on it

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and 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 explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Citi Bank Account ending in XXXX Refinanced house in end of XX/XX/XXXX. 
I paid off my bill for Citi Bank {$12000.00} from my XXXX XXXX  account Our Finance company paid off the same bill, so until it was caught in XX/XX/XXXX we paid them twice. I called Citi bank and they proceeded to transfer me from one person to another ; still would not refund the money stating that they had to wait for it to clear my bank? According to my bank statement the electronic payment was made on XX/XX/XXXX? Still arguing about money clearing we proceeded to call my bank so she could verify the money had cleared the account. My bank indicated that it was an electronic payment so therefore there should not be a wait period for $ to clear? After a lengthy dispute about 3 hours they decided to refund the money and at that time I wanted to CLOSE MY ACCOUNT. On XX/XX/XXXX the electronic deposit was put in my account. 
On XX/XX/XXXX an email from Citi bank came to me with an overdue amount of {$580.00}?? My account was closed I thought, but apparently when Citi Bank refunded my account they left a balance on the credit card? Why would they leave a balance when they had more than enough to pay the complete balance and I told them to close the account at that time? Unbeknown to me my account was accruing interest and late charges as well as reporting it to the credit agencies giving me a mark on my credit! I was in tears, I didnt want to argue anymore after another hour and a half! They did not waive the late fees and were not able to change the credit bureau! Asked them why the account wasnt closed the first time and they couldnt say? 
On XX/XX/XXXX I received another email from Citi bank with another past due balance of {$64.00} from a software company on XX/XX/XXXX. I was furious!! I did not authorize any payment for software and besides all this my account was closed for the 3rd time in one year. Now XX/XX/XXXX I get a email statement with interest charges and late fees for this purchase. The bill is up to {$120.00} with late fees and interest. 
This company has been very disruptive to my life. I pay my bills on time and am very conscious of my debts. Something has to be done with this Citi Bank merchant. Please help me.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the Equifax cybersecurity breach. It is my understanding that I have been impacted by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,   XXXX  , I called  XXXX  to have my telephone ( land line ) disconnected. As can be seen in Exhibit #  1,  the charges for the next month were not due until  XXXX   XXXX ,   XXXX  . However, by  XXXX   XXXX , the line had not been disconnected and the charges became due. I had to call  XXXX  again to have the line disconnected.     The following month, I received a bil l ( Exhibit # 2 )  showing that my account was delinquent. I called  XXXX   ( one  of their countless, undertrained & incompetent representatives ) to complain that it was their negligence, not mine, that had caused this mistake. ( At the time of this call, the representative refused to let me speak to a supervisor when it became clear she did not know what she was talking about ). They refused to make any changes and I refused to pay the bill. In  XXXX , I received yet another bil l ( Exhibit # 3 ).      Also, later in  XXXX , I received a collection notice from  XXXX   XXXX   XXXX   XXXX   ( Exhibit # 4 ).  In response, I sent a let ter ( Exhibit # 5 )  explaining why  XXXX  was in error and that I refused to pay the bill.     There the matter rested until this month, when a routing credit check revealed that that  XXXX  had reported my account as a delinquency  ( Exhibit # 6 ). As a  result, my  credit score  has plummeted from  XXXX  ( in  XXXX ,   XXXX  , I purchased a new car and was told that my credit rating was " the gold standard ''  )  to  XXXX   ( Exhibit # 7 ) . This is a result of  XXXX  's vindictive pursuit of a debt I do not owe.     I would appreciate any assistance that could be provided in removing this stain from my credit rating.      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 04-12-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: Re : erroneous item XXXX XXXX XXXX # XXXX reported by your firm to XXXX . I  have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Company response to consumer: Closed with explanation