milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I meet and spoke with a Wells Fargo Personal Branch Manager -XXXX XXXX at the XXXX, Ca branch ( XXXX XXXX ) regarding my POA I have over both grandparents individually and what requirements Wells Fargo has in order to Exercise my rights as POA. The following documents we taken by XXXX XXXX to forward to WF legal. A declaration of trust, certification of trust, individual direct POA for XXXX and XXXX XXXX grandparents ) as well as my original social security card with my given name as listed as well as certificate of marriage showing maiden name change, us passport, CA DL all to verify and validate information provided as factual. I was then given a form to have notirized as advised by XXXX these documents are required by Wells Fargo California Attorney-in-fact Affidavit. On XXXX/XXXX/XXXX I returned to the same Wells Fargo Branch with notarized form California Attorney-in-fact Affidavit. that was provided to me by Wells Fargo. As documents were being processed and entered I was then hualted and advised that Well Fargo will not be able to accept myself regardless of the legal documentation verifying authority to exercise power of attorney due to  my lack or poor credit rating the obtained from XXXX and I was only elegible for a 2nd chance account. I explained to the banker that my financial credit should not be a factor to exercise my rights and that I wish to speak to Well Fargo legal dept. The branch rep then called the department and I requested to speak for myself with legal and was denied direct communication and communication continued with Wells Fargo Rep and there own internal department as I was sitting right in front the bank representatives. Information was relayed to me from branch representative who was on phone with the legal department that I will not be granted access regardless of documentation because my credit is not sufficient enough to be added onto the account regardless of being a power of attorney.

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 07-12-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: we have paid off the XXXX ford truck I want it off my account and paid off XXXX XXXX get it off my account and XXXX XXXX was a terriable place to live XXXX next door to us fighing I called the drug enforcement took 5 months to get something done I feared my life and to many fires at XXXX XXXX and the one owner no longers owns it I want wwant it all taken off this is not fair the truck was sold at a action and after it was sold we owed nothing we got money back take part XXXX off and the ford truck and XXXX XXXX I pd XXXX XXXX in full get it off my credit ... ... ... ... ... ... ... ... ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Settlement process and costs

Complaint: i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it

Company response to consumer: Closed
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have submitted police reports and fraud affidavit to National Credit Systems on XXXX XXXX, XXXX the first time and 3 more times since then ; last time on XXXX XXXX, XXXX. I have called their office on numerous occasions inquiring about follow up on the fraudulent account opened in my name. I received various information from different employees of National Credit Systems depending on who was available to answer my call. I was told that my correspondence was forwarded to their client several times and they have not received any communication back, I was told to call back on XXXX XXXX, XXXX to get resolution to this account. When I called today, I was transferred to XXXX XXXX. He informed me that this was the first time he has seen my account, he can see my account noted that there was correspondence received from me ; however, it was not reviewed because the company handles thousands of accounts and can not give individual attention to each account. XXXX also told me that since National Credit Systems have not heard from me via telephone ( which is a blatant lie ), they have not proceeded with any inquiries into my correspondence or the fraudulent account in my name. XXXX could not provide me with any documentation proving validity of this debt except my social security number obtained from my stolen social security card, my date of birth obtained from my stolen driver 's license, and an address which I am assuming is XXXX of the fraudulent addresses reported on my credit report. Upon my further inquiry, he told me I was rude and hung up on me. If my correspondence had been forwarded to their client and the client could actually prove validity of the debt, I am sure I would have received some sort of communication back. National Credit Systems and their representative, XXXX XXXX, are violating my consumer rights by mishandling my credit dispute and false credit reporting. 
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed a account on my credit report which is a XXXX card that XXXX is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. XXXX will not update my credit file correctly. 

The account is a chase card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Address is XXXX. XXXX XXXX XXXX, TX 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 09/17/2017 about Student loan (Private student loan) with Vermont Student Assistance Corporation (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX- As my son approaches high school graduation, we start the financial aid process by filling out the XXXX XXXX XXXX , which seemed like the right thing to do. As it turned out more information was required, so both my son and I met with a young lady at VSAC who helped us through this process. At this time, nothing was mentioned by her about my son applying for a federal loan. ( as it would be more appropriate for him and that the payments would be income based and that the allowable deferment would give him time to find employment. ) XX/XX/XXXX- A snag with the loan. I am on the phone with VSAC to find out what the problem is ( as it turns out the school needed to submit required information ). All during this conversation, the VSAC representative never mentioned about us applying for federal loans. 
XX/XX/XXXX- My son is seeking financial aid to take summer classes. He is told that the application was cancelled because this was the time that VSAC adjusts their rates. Per my son, it was never suggested to him that he seek out applying for federal loans. 
XX/XX/XXXX approx. ) XX/XX/XXXX- I as the co-signer to my sons loans called VSAC, spoke with a woman in the loan department. She told me that his balance at the time was XXXX and his monthly payments were XXXX. At this time, I asked her, but this is income based correct? No its not, you are thinking of a Federal Loan. You should always go with a federal loan first. This was the first time in two years that we have ever received any suggestion about applying for a federal loan. But still, even after that, there was no guidance on how to pursue this or direction to the appropriate person to assist us with this.
Well two years and XXXX later, I discovered from a random phone call that I made, that we should have applied for federal loans from the beginning and thats with working right alongside of XXXX  XXXX XXXX XXXX. How could you let this happen? While you are in his account, looking at his balance that is accruing XXXX a day in interest, did it not occur to you to look for and offer alternative suggestions for financing? 
As a single parent getting their child ready for college I relied on you and you neglected your role. I have lost all confidence in your organization and what I have been led to believe your mission is.

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 02/18/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims.,

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 05-12-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am submitting some more documentation concerning my Public Service Loan Forgiveness credit. 
I thought it best to submit documentation based on the various issues, rather than the whole laundry list as it might be easier to deal with that way. 
I did send these letters to FedLoan as well as the Ombudsman. 
Description of the letters attached : 1. Public Service Loan forgiveness issue which is my letter with my payment history under the program. 
2. The PSLF annual form. Please note the Employment begin date of XXXX/XXXX/2010 on page XXXX, section XXXX. 
3. FedLoan 's recent review of my PSLF credit which is an abomination, and has no relevance to the facts. 

All along they have tried to minimize my service, this last letter is grossly wrong and obviously written in such a way that I 'll be paying for over 7 more years, rather than the 4.5 years that I have left to serve. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold account on XXXX/XXXX/XXXX under promotion XXXX, which offered XXXX AAdvantage miles after completing {$1000.00} in debit card purchases and 2 bill pays in consecutive months. I completed the terms of this promotional offer on XXXX/XXXX/XXXX. I secure messaged Citi to confirm I had met the terms of this offer, and received a response on XXXX/XXXX/XXXX from XXXX XXXX XXXX stating that I did indeed complete the requirements for the offer, and that I will receive my AAdvantage miles no later than XXXX/XXXX/XXXX. I did not receive my miles by XXXX/XXXX/XXXX, so I contacted Citi again via secure message. XXXX XXXX responded and apologized that the miles did not post yet, and offered to open an inquiry. Every month I have waited for the miles to post, messaged citi, and received another response stating that they will open yet another inquiry. The results of these inquiries were supposed to be emailed to me, but that has not been done. And frankly I do not care what the results are for the delay. I want the miles that I have been promised. I have been paying a $ XXXX monthly fee for this account, which is completely unfair as they have not fulfilled their end of the agreement. The marketing materials related to the promotion were entirely false and misleading, and it is absolutely unacceptable that I should have to wait 6 months from the date that I fulfilled the terms of the promotion to receive the miles that I am entitled 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 non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion and XXXX have lowered my credit score for no reason, AND ITS ERRORS, I have my credit card since XX/XX/2017 and have never missed a payment, and account always said ''good standing '', my score was a XXXX in XX/XX/2017 and went down to a XXXX, it should have gone up, so whats the problem i ask, why did they lower my score, since then i closed the account over 2 weeks ago and its showing a XXXX balance IS TOTALLY WRONG, THAT WAS A SECURED CREDIT CARD [ my money ], AND THE BANK SENT ME A CHECK FOR XXXX CENTS AND CLOSED THE ACCOUNT UPON MY REQUEST, NOW I WANT MY CREDIT SCORE RESTORED TO WHERE IT WAS BEFORE, this is total XXXX with major fraud, see pics of proof,

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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I received a letter from American Express Blue Sky award card on XXXX XXXX, 2017 saying my FICO score was low and I had serious delinquency on more than one account. There also was minimal activity on my account, which is true. I asked if I could reinstate the card and they took information from me and sent another denial letter. I called to redeem my points, and they asked me questions that were supposedly public record such as my drivers license, height, and the last card I had leased and they said I answered the questions incorrect and it locked up their system. They told me to call back at XXXX and they would assist me again and the system did it again. Now they want me to call back in 24 hours and they will try again. Not sure where they are pulling my information from public record, but I know exactly how tall I am and my drivers license number. I tried talking to someone in the fraud department and they just blew me off and said I had to solve this with the rewards department. What do I have to do to prove to them who I am?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (I do not know) with Hunt & Henriques (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Judgment against me I was not served

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for a transfer balance credit line to consolidate my large amount of debt. I was not notified that i was approved, but instead Chase bank made a low payment without my approval to the line of credit they chose. I was not aware of this payment until i received a bill in the mail. I applied because i was trying to reduce my monthly payment while on a financial hardship, not to add another payment to my bills. If i would have been given the option i would have declined this low offer. i do n't apply to credit cards expecting them to make purchases for me. This is fraud and i do n't agree with it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (I do not know) with Russell W Richardson, Attorney at Law (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Calling inlaw 's relatives says I need to contact to avoid legal actions when I have not been contacted and do n't know what in reference to.

Company response to consumer: Closed
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransUnion via the website the CFPB directs us requires users to create an account with them to correct inaccurate data- my birthdate is inaccurate by 7 years. Why should I have to create an account w ith a 3rd Party  who reports on my credit without my consent in order to fix their inaccurate information in order to get it fixed.   A secure system through the CFPB should be available to allow simple corrections of this nature to be submitted without creating an account with each of these  XXXX  outfits.

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 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has failed to update an address, and released unauthorized credit information to the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. At no time after 2007 have I authorized any of these entities to receive credit information. The only entity on my credit report that has a legitimate interest is XXXX, who has a small revolving line of credit for about {$1000.00}. 
Someone needs to go after these unauthorized entities. I do not now, nor have I authorized any insurance company to pull credit reports, nor have I authorized the XXXX to pull credit reports after 2007. 

Another problem is the address. I provided proof of address to Transunion, but their web server refused, it and threatened me, indicating I have viewed my credit report four times. 
The correct current physical address while visiting XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, CA, but this is not to be seen, and Transunion wo n't update it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was a resident of XXXX Apartments from XX/XX/XXXX until XX/XX/XXXX. Once I moved out the apartment complex charged me XXXX for repairs they said they had to make, which was untrue. This debt has been forwarded to the collection agency Pro collect. I spoke with them about this debt and explained that I did n't owe this amount because I left the apartment clean. They were not interested they said I owed the amount. I then filed a complaint with the XXXX apartment association and they investigated the matter. They found that I did not owe this amount and the apartment complex did n't have any pictures or proof of said damages. They found that I only owed XXXX dollars and some change for normal wear and tear. The property management company XXXX also received a copy of the findings. However they refused to accept a payment from me and the collection agency is reporting this on my credit every 90 days or so. The last reporting was XX/XX/XXXX. I have sent them Pro Collect collection agency a copy of the email I received from the XXXX apartment association including the correct amount owed. They have chosen to ignore it. As a matter of fact XXXX XXXX the collection agent in charge of my account hung up in my face and refused to take my calls. They know they are reporting a lie I have sent them the evidence. I have also filed disputes with XXXX and XXXX  regarding this matter.

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