milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX send a collection in to XXXX XXXX XXXX to collect. XXXX filed a report against me. The person who was treaded at XXXX has a different date of birth and address. I did n't know about this until a local bank called and asked if I want to refinance my truck. Then about a week later I received letter from the bank saying the loan was turned down because of the report from Equifax. That 's when I found out about it all. I spoke with XXXX and they said that they were wrong and they closed the account and would not give me any information about it. I called them again and was told the same thing ( closed and no information ). I may a lot of calls to XXXX and found only one person that would help and she said that they had made a mistake and it would be corrected in about 30 - 60 days. Three weeks later I just received another bill from XXXX trying to collect with the incorrect address that is close to mine. I have e-mails from the one person at the local XXXX office where she emailed the person from the billing part and she could not believe it had not been taken care of and that they had billed me again. The person a the billing office was suppose to call me but had never taken the time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CT).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This problem is with Wells Fargo Bank in XXXX, CT. I am not a customer of Wells Fargo. I have a check drawn on Wells Fargo issued by XXXX. Wells Fargo refused to cash the check without charging a check cashing fee, although the check was drawn on an XXXX account at Wells Fargo bank. Wells Fargo blamed XXXX, saying that XXXX 's account does not allow " free '' check cashing. I spoke with the manager, XXXX XXXX of the branch, whom would not waive the fee and stated that I need to either cash the check at my bank or contact XXXX. It does not make sense to me that Wells Fargo would assess a fee to cash a check - is n't that their core business?

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with ERC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Late fee

Complaint: I have a credit card through the retail store Best Buy that I made a purchase on with 12 months deferred interest on my purchase. Payment was due XXXX XXXX in full or I would be charged the deferred interest charge. I did not get payed by my job and called to ask to have the due date extended, to avoid the charge and pay it off in full when I got paid. I was assured this would work, but the due date came and I was assessed a late fee. After this I contacted them again and was assured there would be no problems as long as I paid off the full amount within 6 days of the original due date, so I found the funds and paid it off the very day after speaking with them again. Then today I wake up, the deferred interest charges are now on my account, and they tell me that there is no way to remove them even though I was assured they would n't be charged in the first place. I took screenshots of the final chat I had with this company, and am just looking for advice on how to proceed seeing as they are unwilling to work with me anymore after lying to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Mortgage (VA mortgage) with Global Home Finance Inc (TX).
Issue: Settlement process and costs

Complaint: My wife and I received a letter from XXXX XXXX XXXX of Global Home Finance stating that he could finance us a house with a 3.990 % on a 30 yr. fix rate so I called him at # XXXX ext XXXX .I told him that I needed a realtor, so he put me in touch with XXXX XXXX XXXX. # XXXX to help us find a House, I told him that I was a Veteran and that I wanted to use my VA loan 100 % financing and he said that I could and I got with XXXX and she found us a house at XXXX tx XXXX told us that we had to have {$1500.00} earnest money and I said that I thought this was 100 % financing, she said that they was just going to hold the money until we close on the house and then I will get it back, so I wrote her a XXXX check to the Title company as earnest money, then she said that I had to pay {$350.00} for inspection fee, I paid that. Then XXXX told me that I had to pay {$570.00} for appraisal fee I paid it off of my Credit Union card, as time went my truck broke down on me and I had to get a little car to drive to and from work and I called XXXX and ask him was that going to hinder me from getting the house, he said no and that they could work around it, so I stated ok lets go on then, then they said that the owner had to repair some things on the house and that we was going to close on XX/XX/XXXX and problems started to occur, and the owner was requested to repair more on the house and the week we was suppose to close on the house, my wife and I starting packing because they said that we had the house. Then XXXX stated that he was going on vacation and that his team members can help me close on the house and that everything look good ..then XXXX XXXX XXXX. spoke with me after they had me to sign the Documents and said that everything was good and that we could close on the XX/XX/XXXX then the day before closing he called back and stated that I could not close because I had to pay the car off at XXXX ... and I stated that you guys told me that everything was good and he said that he could not finance me at 3.990 % but that he had to go up 4.125 % or something then he debited my Credit card without my authorization for {$200.00} I called the Credit Union and they said that Global Finance credited my card I told them that I did not consent to that ... and the man said that he would block the card so that they could not credit it again ... Then I asked XXXX if I could get my earnest money or all of my money back and she stated no they are not going to give your money back ... and I told her that it was not my fault and they agreed to that, then she stop talking to me and I called XXXX to confront him again about the situation and he hung the phone up in my face because I asked him who told him to credit my card..so I want to know if I can get some of my money back .... 
Kindest regards, XXXX phone # XXXX

Company response to consumer: Untimely response
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attempted up get my student loan pay history updated with all  XXXX  credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong information . I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received an alert of new data reporting and account take over today. In result of an investigation initiated XXXX XXXX XXXX retaliated reported conflicting adverse affect my consumer file reported to 3rd parties. Experian continues to allow XXXX XXXX XXXX to file erroneous information that make no sense XXXX XXXXXXXX XXXXk allege high balance {$2600.00} was granted with a most recent payment was {$2800.00} on account XXXX sold to XXXX  updated XX/XX/2018. Experian continues to be negligent and does not investigate trust wiith any Creditor that /pays a monthly fee for unlimited access to consumer files. On another account XXXX XXXX XXXX updated account history with failure to pays with 0 % credit usage and 150 % credit usage based on updated information on closed accounts, charged off

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 12/23/2016 about Debt collection (Mortgage) with BB&T CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After BB & T flat out refused, multiple times, to accept my method of payment, I spoke with them XXXXXXXX times stating payment would be sent before XXXX XXXX, 2017. I have continued to receive multiple phone calls asking where the payment is. Again, they refused to accept my payment before the due date and are still refusing to accept it now.

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 05-06-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: Citi closed my credit card account on XXXX XXXX, per their business decision. I understand that Citi has the right to terminate the account per a multitude of reasons - and it was their business decision to do so. 
I had a Citi double cash card - where I get 1 % cash back when in the statement cycle when I make a purchase and get 1 % in the statement cycle when I make a payment. When my account was closed, my rewards were automatically forfeited and I was unable to redeem them. I feel this practice abusive and unfair by Citi - because I could not reasonably avoid it ; Citi closed my account upon my statement cycle and did not allow me to neither redeem rewards on my recently closed statement nor on the statement prior to that. I feel that Citi let me use the card for 2 months - which I used with the intent to obtain rewards - and clearly not making provisions for me to redeem the rewards after they closed the account. 
I contacted Citi to obtain my rewards and I was told nothing could be done. 
I am looking for Citi to give me {$46.00} for the forfeited rewards.

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 12/14/2016 about Debt collection (Credit card) with Voss & Klein, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Did not receive verifiable proof ( an original consumer contract with my signature on it )

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This account was set up without my consent. It was  a student account. Th e charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with Equifax and  XXXX .

  XXXX   XXXX   XXXX   XXXX   #  XXXX   
  XXXX   XXXX   XXXX   XXXX  , DE  XXXX 
( XXXX )  XXXX 
Date Opened:  XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:  XX/XX/XXXX 
Last Payment Made:  XX/XX/XXXX 
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:  XX/XX/XXXX 
>Maximum Delinquency of  120 d ays in  XX/XX/XXXX  and in
 XX/XX/XXXX <
High Balance: High balance of $  XXXX    from    XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of $ XXXX  from  XX/XX/XXXX  to  XX/XX/XXXX 
Estimated month and year that this item will be removed:  XX/XX/XXXX 
 XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX       XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXXXXX, i made a mobile deposit check # XXXX, Amount {$1500.00}. This check was from the president of our company, it was a XXXX check which is local and the funds were available. ( I am the controller of the company as well ). I received an email from XXXX Bank that the deposit was on hold until XXXXXXX, with no reason or explanation. I called the XXXX number and they could not tell me why it was on hold, she noted maybe they tried to pull the funds and they were not available. ( i highly doubt that was the case, he runs a XXXX M dollar company ). I asked if they contacted XXXX to confirm the check was okay to process, they claim they can not do that. I then asked to speak to a manager, and was transferred to a supervisor, whom i gave her the number for XXXX and asked her to call to verify the funds and remove the hold. She advised me that they cant remove a hold, no matter what, there is nothing i can do. My mortgage is now 2 weeks late and i am receiving late fees. All due to them putting the deposit on hold. 
I am very unhappy with this and find it hard to believe that once a hold is put on a deposit it ca n't be removed. Ever!. That does not make sense to me. and they did not give me a viable reason and noone was able to assist. I will NEVER use Huntington Bank and i feel they should reimburse me for all late fees, finance charges and time that i have spent during work on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Integrity Asset Partners, Ltd. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: information was taking off my credit report and later put back on to my credit report.

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 03-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problems caused by my funds being low

Complaint: Chase Bank is rearranging payments from my checking accounts and charging overdraft fees on payments that previously were paid and changing the transaction dates on my statement to match the fees that they have assessed me. This has been going on for some time. When I question them they always justify it. On XXXX XXXX I took a flight from XXXX to XXXX. I checked my bag at the airport. On XXXX XXXX my XXXX payment if {$410.00} was submitted which I knew I would get a fee on. When I checked my account the check bag fee was now moved to the XXXX along with the XXXX payment. The money for my checked bag was applied to the XXXX payment and now I have XXXX overdraft fees. They have rearranged my payments as far as 4 days back in order to charrge me overdraft fees on previously paid items. When I receive my statement my transaction date for the check bag fee will be XXXX XXXX instead of XXXX XXXX the actual day of the transaction. I can not prove how many times over the past years that this has happened because the transaction dates on my statement are changed to match the dates of the overdrafts. I dont mind paying for legitimate overdrafts but not for overdrafts manufactured by the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card was used for fraudulent purchases. 
Citicards does not provide support to dispute the charges, and instead sent me a bill for the charges. Their phone line is shut down and website access to account information does not permit any disputes. 
citicards.com website makes it very difficult to dispute charges, while bills are sent promptly.

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