milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, I am a victim of a large fraud of stolen checks deposited into the wrong account. So this is forged check fraud. In many examples, the checks were clearly made out to my company and then deposited into an account with a different name. I have copies of the fronts and backs of a number of checks to prove this. Also, Wells Fargo bankers have been able to check on-line and confirm the forged checks were deposited into the wrong account. 

Both my business checking account and the account where the forged checks were cashed belong to Wells Fargo. Working through my local bank manager, this issue has been raised to the highest levels of Wells Fargo. Although they see the fraudulent activity, they refuse to report it and refuse to take any action. 

I do have an open case with the XXXX CA police department. The case number is XXXX. Wells Fargo refuses to cooperate with the detective. 

My contact at Wells Fargo is : XXXX XXXX. 
Her phone number is XXXX. 
Her email is : XXXXXXXXXXXX I would appreciate any help you can provide in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
La XXXX, CA XXXX XXXXXXXXXXXX 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 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX is a debt collection compnay who is collecting on the behalf of XXXX XXXX. They sent a letter in the mail to me on XXXX stating that I owe a debt of XXXX dollars to XXXX XXXX. They did not give me a chance to research this information or to respond to their letter. In fact the next week on XXXX they reported to the credit beaureu that I had a collection on my record. This negative remark on my credit report has hendered me from being approved for a mortgage and damaged my credit score. I was not aware of this debt and I was not given enough information to verify the debt is even really mine.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.

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 01-03-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened a 360 account with Capital One for a checking account. I deposited {$1000.00} balance into this account to keep it open. My account number is : XXXX. Routing number is : XXXX. Their phone number is : XXXX. I received one monthly statement or notice thereof, from Capital One. Thereafter someone saying they were from the bank called me and said he had to " verify '' my account, to determine if the bank would keep my account and the funds I put into it. He asked me numerous questions about my personal information. After 5-10 minutes of this he then said he had to again verify this information along w/ other information about my account. 
When he started asking me all of the same questions again, I told him I had other things to do and did not have time to waste answering the same questions. He then asked, do you wish to not be verified and i said, yes, I am tired of being verified and if they could not verify me with what they had already asked me to end the process and send my funds back to the account i transfered them from. I then hung up. 
When I did not receive my funds within the next 7-14days, I called Capital One and asked them where my money was. I was again told I had to go thru yet another verification process before they would return/ transfer my funds back to my original account. 

I have no intention of verifying anything else w/ this XXXX bank. it is my money. they have refused to let me use my account even though they already sent me a monthly statement and they have no right to make me verify anything to refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Savings account) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My son has had a savings account with the XXXX XXXX ( XXXX ) for over 15 years. He recently applied for an access device ( as defined by Reg E ) for access to the savings account. I am a custodial parent on the account since its inception and I signed the form for him to receive the debit card. The XXXX  pulled a HARD CREDIT REPORT on me on XX/XX/XXXX for his access device ( debit card ) on his existing savings account. I did not authorize this credit pull, and it has negatively impacted my credit score due to the HARD pull. I would not have permitted the debit card application had I known the XXXX would pull my credit report for such a request. I contacted the XXXX on XX/XX/XXXX to ask to have the hard pull removed, and they informed me on XX/XX/XXXX that they would not remove the inquiry, since this is per their " policy. '' I find at a minimum that the HARD credit pull is UNFAIR and DECEPTIVE by not disclosing this credit pull from me prior to the access device application. Please keep in mind that this is for a debit card on an existing savings account, not a new account, and there is no overdraft protection or any other credit element. At most, I do not believe the XXXX had a permissible purpose under FCRA Section 604/606 to pull my hard credit report for this activity.

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 01/20/2017 about Debt collection (Medical) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked Account Resolution Service to send me validation of these debts they continue to report to the XXXX major credit bureaus. They have failed to send me anything that is contractual binding of me to pay this debt instead I got a letter on their letter head stating I 'm to pay this debt. How can a company, just say you owe something without any supporting signed documentation? I 'm writing to you for relief from Account Resolution contuining to report false information and exhortation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 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: Account information incorrect

Complaint: THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN XXXX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH XXXX, XXXX AND TRANSUNION. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I SENT CERTIFIED LETTER IN REGARD TO IDENTITY THEFT ASKING THEM TO REMOVE THESES FRAUDULENT ACCOUNTS AND INQUIRIES IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the The account all directly to them. They will not change on my credit bureaus bad it has been paid. Still showing that I owe the money. They also are refusing to discuss anything with me in regards to the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
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 explanation
Consumer complaint received 10-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student loan that is reporting incorrectly. I have notified the company but they have not corrected it. They are reporting that I was 90 days late when it fact my loan has been in deferment for the past 2years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Student Loan Listed as : XXXX XXXX Date Open XXXX XXXX is reporting 60 and 90 days late in the months of XXXX and XXXX XXXX which is incorrect I never made a payment during this time because I did not have to as I was still in school I had started attending Graduate School at XXXX University and would not have been able to secure Financial Aid during this time had that been defaulted. I have requested between all three credit agencies XXXX, XXXX, and Transunion to delete just this one closed : Paid in Full status account and I have been ignored multiple times it is reporting inaccurately and effecting my Credit Report and ability to secure funding for anything additionally if I needed to.

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 06-12-2015 about Debt collection (Medical) with N.A.R., Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX ' telephone number called my cell phone XXXX times. XXXX on XXXX XXXX which I did not answer, and XXXX on XXXX XXXX which I did answer and they asked what my address was and said I owe {$230.00} and asked for my credit card number. Not to mention, when they said what the debt was for, they mumbled the words so I could not hear them. I asked them XXXX times who they were and they refused to tell me, or changed the subject so they could not tell me who this was. I immediately hung the phone up

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: After sending a dispute letter certified mail to Transunion regarding wrong accounts I received a statement back that they were verified. I sent a request again through certified mail requesting reinvestigation and verification and method of verification and have never heard back that was XX/XX/XXXX. The wrong accounts are XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX After requesting information several times theses accounts remain unverified Transunion needs to delete them permanently

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 09/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: APR or interest rate

Complaint: The QUICKSILVER credit card from Capital One is a high-interest credit card ; assigned APR is greater than 25 percent. I ask about every two months for a reduced APR. Capital One always declines. Capital One will not give me direct contact information to the HQ office that sets APR rates. This morning, for instance, I chatted with two people online and talked with nine people by telephone without results. 
My payment history with Capital One is EXCELLENT ; my payments are always much greater than the minimum. 
The Marketing Department, which I 've been told is the department that sets APRs, is unreachable by phone or email. 
Additionally, Capital One is not properly crediting the 1.5 percent cash back that I should be receiving on all purchases. Moreover, Capital One calculates the APR improperly ; said calculation results in higher monthly interest, and, hence, higher APR ( closer to an effective 50 percent APR ).

Company response to consumer: Closed with explanation