milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Account opening, closing, or management

Complaint: I have a Wells Fargo PMA account. The terms of the account provide a service charge waiver under certain conditions. One of the conditional service charge waivers includes maintaining liquid assets, which include Wells Fargo Brokerage accounts in the amount of {$50000.00} or more. I have been maintaining this level for well over a year. Each month I receive my statement and have see a service charge. Upon calling customer service or going into a branch they are able to refund the service charge and keep telling me that my Wells Fargo Brokerage account is de-linking and that 's why I am receiving the service charge. I called and made a specific complaint about this. The representative, rather than fixing the issue, told me I needed to call-in to customer service and tell them that the company ID indicated on my account was wrong and that 's why my brokerage account keeps delinking every month. This is causing me harm, frustration, and is an unfair and deceptive practice. Wells Fargo representatives, no matter what department they are in, should be able to fix the company code so that this delinking stops happening on my account. I have spent hours and hours trying to get this resolved. I would like CFPB 's examiner in charge to perform system assisted testing to see how many customers thjis is impacting because if it 's happening to me, it 's very likely happening to other customers as well. Wells Fargo should be ashamed that they are harming their customers in this man ner.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE 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 05/26/2015 about Debt collection (I do not know) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/24/2016 about Debt collection (Credit card) with GRYPHON CORP. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: As of XXXX XXXX I check my credit report with Transunion, XXXX and XXXX and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on Transunion, and 13 hard inquiries on XXXX and 4 on XXXX. 

I have been disputing with XXXX, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX Lifetime, 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 07/31/2015 about Credit card () with JPMORGAN CHASE & CO. (OK).
Issue: Payoff process

Complaint: Paid off the previous balance before due date and they still charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: someone opened an account with Bb & t it was not me I have proff of the address I was living at I was living in XXXX and the account was used in XXXX Someone stole my identity and put checks into the account I would like to take care of this

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 07-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Date opened :XX/XX/XXXX Date reported : XX/XX/XXXX Delinquency first reported XX/XX/XXXX Amount : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Hello CFPB, I have been a victim of Identity Theft and Central Financial Control continues to ignore my rights under the FACTA among other federal mandates. I noticed a couple of fraudulent accounts under my name and began my fight about 1 years ago. Central Financial Control has receiv ed 3 letters  from my since  XXXX . I have even faxed over the documents and still nothing. Please help me resolve this so I can continue on with my life. This company needs to be investigated for their practices.     Thank you,  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 06/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a personal checking account at Usbank. In XXXX XXXX I durable power of attorney on my roommates account while he was out of town. During the time he was gone I managed his account with no issues. In XXXX XXXX he returned and took over all his own financial affairs. In XXXX of XXXX, he committed fraud on his account and Usbank is holding me responsible and has frozen all my account along with all my money. My roommate claims to have taken responsibility for his fraudulent activities. However the bank refuses to reinstate my account and release my funds. The bank has documentation of how the fraud was committed and I am not part of it. It is crystal clear. 
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 explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. 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 09/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: my XXXX has not been refunded back to me google wallet verified with me XXXX XXXX on fri no refund was receieved and they keep telling me to call my 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 04/17/2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. 
We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. 

The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.

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 11/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed bankruptcy reported on credit report. Was advised the information would be removed. After several months the information remains and negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was told that because my co-signer filed bankruptcy that my loan had to be in forbearance and that I was not eligible to receive any information about my account during the 5 years. Since then, {$5000.00} in interest has been added to the loans, that I was not given an option to pay. Now I have called 3 times and they stated they to not do income-based repayment plans and the only option I have is an Interest only plan for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Payoff process

Complaint: WellsFargo gouges their consumers by playing fast and loose with the dates when they close credit card billing cycles : they close the billing cycle earlier than they are supposed to thus not applying payments made on the last day of the business cycle towards the outstanding balance and therefore calculating higher monthly payments than they would otherwise have calculated had they closed the billing cycle on the day when they were supposed to. This gouges the customer twice : first, it calculates the minimum payment on the basis of a higher balance ; second, because they 've already calculated a minimum amount due the following month before the current billing cycle actually closed, they take the payment made on the last day of the billing cycle and apply it first towards paying this higher, fraudulently calculated payment, and only apply the remainder towards the balance. In addition, they never actually communicate when the billing cycles end to customers until after the fact. I had to call them and ask them to give me the last dates when I could make payments on my account. According to those days I should still have been able to apply a payment I made today towards the balance on my account but lo and behold, when I went online to make that payment ( I had planned to pay down {$1800.00} ) they had already calculated my minimum payment due next month. I called them about it again and now they are telling me that the business cycle ends not at midnight on the dates they had given me before but at XXXX am the day before. ( What?!?!?!? ). 
This has happened repeatedly with Wells Fargo, which is why I decided to call them and find out from them when exactly I could make my payments. They calculate interest on average on {$2000.00} more each month than they should, thereby costing me $ XXXX/month.

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 09/26/2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 5 year ARM home loan, the loan matured to my knowledge XXXX XXXX, my rate and payment are suppose to remain the same for the remainder of my loan. I was told I had a five year increase beginning XXXX XXXX and finishing XXXX XXXX. My payment as been the same since XX/XX/XXXX, now for no reason they are trying to change, increase, the payment, this is very unclear to me because I was told that this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a PNC checking account ( performance select ) on XXXX XXXX 2016 in a local branch with a promotion of {$300.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Payoff process

Complaint: Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, 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 06-01-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I became a victim of identity theft in  XX/XX/XXXX    when I received emails stating phones charged to my plan, credit cards maxed out, loans applied for. I immediately called all creditors, filed a police report and submitted information through the Federal Trade Commission  one  of which was the Victoria Secret Card financed through Comenity Bank. I informed them that my information online had been changed based upon fraud and all charges were fraudulent and submitted letter through FTC to them with their affidavits. They took care of the charges and removed from my bureau. I have not lost or had any cards stolen or identifications stolen that I know of and can account for all cards for this company which I have forwarded copies to them. The problem is they consistently allowed these fraudsters to enter into their stores and continue to use my social security number for account look up so that fraudulent purchases could be made . ( FIVE T IMES to be EXACT ) I gave passwords, they overrode them and allow these crooks to have access, they allowed updates online to where phone numbers and email addresses were changed time after time. The last and final straw for me was when they stated they did not know how to protect my account and I should just close all of them. Really? Well, at least I thought that would be the final straw BUT they allowed these crooks to do it again and this time sent me a letter stating there was no basis for my claim and I must pay the fraudulent charges. REALLY? NOT! I immediately called and they stated they needed a copy of my identification, what about the other five claims filed with the same information send time after time. Why send a letter accusing the victim of these charges when it is heavily notated and communicated that my identity has been STOLEN? Nevertheless, I send another copy of front and back of my identification and other documentation certified mail this time on  XX/XX/XXXX  they showed received on  XXXX  but I had to call today and was told that they are backlogged but they will have the information sent to the  investigator  and she will call me on Monday  XXXX . I will be waiting while fraudulent charges consume my credit report and a email reflecting I owe on  XX/XX/XXXX  is in my inbox. I will wait for an apology, a clearance of ALL fraudulent charges by phone call and written letter. Also, they have closed my account which I have had for almost 10 years if not  10.  Is this an inside job at the store and/or the company. Why was access bypass to allow continuous FRAUD. if  one investigator  from the last case stated he just do n't know. I want this cleared up immediately. The current case number is  XXXX . Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: In 2015 Onemain Financial acquired Springleaf. I have interest-bearing loans with both finance companies. Since the acquisition I have continued to pay these loans separately. I have asked a few times what can be done to consolidate my loans so that I have XXXX payment and XXXX interest rate, their feedback is that they can not do it. Between the XXXX loans I 'm paying north of 50 % in interest charges.

Company response to consumer: Closed with explanation