milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: A fraudulent transaction, in the amount of {$42000.00} was authorized for payment from a savings account at Wells Fargo Bank. The " pending '' transaction description detail " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was noticed after logging into mobile banking on the morning of XXXX XXXX. At the same time it was also discovered that XXXX other transactions posted as ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX were posted on XXXX XXXX. These transactions were not authorized by the account holder. 

I contacted Wells Fargo who submitted a claim and attempted to put a hold on the pending transaction but was told that the funds were gone - I know this is incorrect since the daily processing had not yet occurred. I inquired as to how it is that a transaction of these amounts on an account that has never been authorized to do business with either of these companies / individuals would not be considered suspicious. I raised my concerns that XXXX and other regulations were not being followed with appropriate fraud monitoring. I was told that since someone had intercepted the routing and account numbers there was nothing they could do. I informed them that I was n't sure how I could trust Wells Fargo to act as a fiduciary of my accounts if this kind of activity could occur without monitoring. I also informed them that I recently opened a HELOC with Wells Fargo where I was asked to provide this savings account statement for underwriting purposes. I contacted XXXX but was told they would not do anything until Wells Fargo contacted them. I contacted XXXX XXXX XXXX, XXXX but as of the submission of this complaint was unable to reach anyone. 

My complaint is around non-compliance with XXXX, fraud monitoring and information sharing.

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 12-07-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a medical collection on my credit report that does not belong to me. It was incurred 4 years ago in XXXX, KY where i have not lived for the past 7 years. I have communicated this with Central Financial Control, I have received no proof that this debt is mine. I found myself in a situation that required me to pay off collections on my credit report, I paid this with the understanding that they would delete it from my credit report, I need your help getting this erroneous information removed from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with Law Office of Michael J. Scott, PC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I got a letter that says I owe on a credit card from 2009. It says the got a judgement against me and can renew the judgement, file an Abstract of Judgement, and freeze money in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Mortgage (Conventional home mortgage) with NEW YORK COMMUNITY BANK (CA).
Issue: Closing on a mortgage

Complaint: I had previous mortgage loan with Newyork Community Bank ( NYCB ). Loan # XXXX I recently refinanced with same lender in XX/XX/XXXX, loan #  XXXX, and escrow was signed onXX/XX/XXXX. Title company for refinance was XXXX XXXX XXXX XXXX chosen by lender. I made XX/XX/XXXX payment for previous loan ( XXXX ) which was posted on XX/XX/XXXX and  money got deducted from my account by XX/XX/XXXX. Therefore final principal payoff amount was {$420000.00} ( not {$420000.00} ) and new funded loan was for principal amount {$420000.00}. I waited till 3rd week of XX/XX/XXXX to  received difference between previous pay-off and new loan amount {$680.00}. After that I called NYCB and they opened inquiry within and promised to give me call back within 48 hours. Never received call or voicemail. After that I sent email through secure messaging system in my login account on XX/XX/XXXX. Followed up 3 times after that but no response so far. I did receive check for {$2200.00} from NYCB that was for balance in escrow account which was there for property tax payments at the time of closing. I still need to receive {$680.00}, which is difference between previous payoff and new loan amount which NYCB is reluctant to give me. I called title company as well and they said I need to deal with lender for that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Bank account or service (Checking account) with VALLEY NATIONAL BANCORP (NY).
Issue: Account opening, closing, or management

Complaint: I am a XXXX woman, who is a XXXX. On XXXX XXXX 2016, I visited a branch of Valley National Bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I went to discuss the possibility of opening up a teen checking account. The guy named XXXX XXXX XXXX ( manager ) kept questioning me without any willingness to help and with obvious discrimination on my race and gender. He later rejected me rudely without giving me any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Payday loan () with ACE CASH EXPRESS, INC. (NY).
Issue: Applied for loan/did not receive money

Complaint: i do believe i applied for a loan but i have no bank account nor did i receive any money

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I opened an account with US Bank in XXXX 2010. I was fed up with XXXX XXXX at the time, but eventually went back to them because they are the best big bank. I opened the account with them because I have a few student loans with them. I was working at a XXXX at the time and did n't have a big income. I over-drafted a few time, but always paid the fee. I never set up any automatic payments with them for student loans, bills, etc. I closed the account a few months later because there interest fees and high over draft fees. I got a phone call today, five years later, that I still owed US Bank XXXX. XXXX. I closed the account five years ago and the balance was current. How could I close an account that was negative? They sent the bill over to a collection agency to settle the account. Why I am being harassing from a collection agency five years later about a bank account I have for a only a few short months? Why am I paying fees on an account I did n't even use? Why this is now going to hurt my credit? I am extremely frustrated and fed up with US Bank bullying me around. I find the XXXX to be insulting and overbearing. I am student loan victim and am currently making minimum wage and tips as a server. XXXX is nearly a whole weeks work at times. I also give US Bank XXXX every month for my student. How can they get away with this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am a co-owner of XXXX XXXX XXXX XXXX, XXXX, New Jersey. The mortgage which I believe is an FHA mortgage is serviced by Ocwen. I was behind several payments to Ocwen loan servicing in XX/XX/XXXX. Ocwen refused to accept any payments from me an indicated that they intended to commence a foreclosure action against me. I retained an attorney to help me negotiate a loan modification. I also continued to save the payments that I was not making in a bank account so that if Ocwen required a lump sum payment I could tender the payments to them. In XX/XX/XXXX the attorney negotiated a loan modification trial payment of approximately {$3000.00} per month. I made every single trial payment and continued to make payments to Ocwen. At XXXX point they denied that I made the trial payments, then they acknowledged that the payments were made and indicated there was a problem with there system and they were migrating to a new system. By XX/XX/XXXX they could not give me a concete amount as to what my trial payment was or my permanently modified payment. One month I paid XXXX and then the next month I was told to pay XXXX There was no rhyme reason to the whole process. I have still tendering payments to Ocwen every month. 
Recently Ocwen wrote me to tell me the only reason I am not receiving a Home Affordable Modification Application was because I did not sign the documents. I did sign all documents that were sent to me and returned them to Ocwen. If I did not want the modification I would not have continued to tender the modified payment amount all of these months. My experience with Ocwen has been a maze of confusion that my counsel has not even been able to navigate. Mainly because once a loan modification was negotiated Ocwen dropped the ball for months and months and now maintains that I did not agree to a loan modification when all my action show otherwise. I should not be held accountable for their administrative incompetence. My attorney suggested I file this complaint and if it does not spur the resolution he will initiate litigation. 

My name is XXXX XXXX XXXX XXXX XXXX. 
My loan number with Ocwen is XXXX

Company response to consumer: Closed
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the ( XXXX ) Chapter XXXX several times, we only filed a Chapter XXXX that was discharged XXXX/XXXX/11. I have requested several times that they send me information on the XXXX Chapter XXXX that are on my reports, no response. I am attaching my chapter XXXX discharge papers on case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is calling and mailing notices in an attempt to get me to pay an amount that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: It was back around XXXX when the account was open. I was approved for {$1000.00}. I called the company told them i needed to work something out there was a XXXX i was involed in XXXX XXXX XXXX and they proceeded to do nothing about this but XXXX me after i told them i was XXXX and have documented XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has listed an account on my credit report that was previously disputed and deleted. The company has actually sent an electronic tracking to expedite the deletion. Additionally, my XXXX XXXX credit card balance is reporting incorrectly. The balance is $ XXXX less than what is reflected on 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 non-monetary relief
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: RE : sears credit card # XXXX XXXX XXXX XXXX Last for digit SS # ; XXXX Under settlement and as suggested by citibank I tried to pay {$600.00} remaining balance but I could not make payment via XXXX XXXX XXXX or XXXX XXXX XXXX. On XXXX/XXXX/2016 between XXXX and XXXX ET I spent more than a hour to reach right person to make payment. They kept on transferring my call one to the next and eventually cut me off two times. Only GOD can have mercy. Please give an address to mail $ XXXX, so that will be the end of the matter. CFPB can verify what is stated here using my account number, etc. This is really bad.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
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 11/15/2017 about Debt collection (Auto debt) with DLG LLC (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a phone call from a process server trying to reach me to serve papers for a civil case. This is a debt that is from 2005. I have not had any communications with this company previous to today. The person on the line by the name of XXXX with DLG collections was very abusive and insulting. They advised me that I am being sued for a debt of XXXX for a car that was financed for XXXX with payments made for 5 years prior to repossession. The amount owed after repossession was XXXX which I recall was paid in full.

Company response to consumer: Untimely response
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to change my address and phone number on credit report, nor will TransUnion provide access. 
My address is wrong as well as my number. I have been denied auto loan and rental application due to this. 

XXXX Texas XXXX XXXX home phone XXXX Work

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 09-07-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: I have a checking and other accounts with USAA Bank ; much to my surprise and dismay, on Monday, XXXX XXXX, when I logged on to their internet site, I could view my daughter and her husband 's checking account information. Not only could I view their financial information but I could also perform transactions. This breach of security is disappointing in an institution which I had previously trusted. I have attempted to resolve this problem with USAA but have not received a satisfactory explanation or apology.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Checking or savings account (Other banking product or service) with BNY MELLON, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.

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 07/24/2017 about Checking or savings account (Other banking product or service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I need my bank Huntington bank to approve my account information is correct so I can use the app XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: Finance company changed themselves to be the first mortgagee and beneficiary on my insurance prior to loan closing without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.

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 03/26/2015 about Debt collection (Payday loan) with Pacific Collections (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid back the loan ( TWICE )

Company response to consumer: Untimely response