milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (LA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX/Walmart Someone used my personal information to try and get a Walmart account card

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 07/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Application, originator, mortgage broker

Complaint: FHA Short sale with Wells Fargo - Submitted to Wells Fargo on XXXX XXXX. On XXXX XXXX the file was declined by Wells Fargo due to seller 's financials. On XXXX XXXX contacted by Wells Fargo that they have reopened the short sale due to seller submitting his 2015 income taxes showing he does have a financial hardship. All documents were submitted to Wells Fargo processor in the time that he requested. During XXXX XXXX to XXXX the processor requested the same documents 4 times and still stated the same documents were needed. I have all emails from processor requesting docs and showing the docs that were submitted. On XXXX we were informed that the file has been removed again from short sale review due to the requested documents not being received. UNACCEPTABLE ALL DOCS WERE RECEIVED AND ALSO SUBMITTED TO THE EXECUTIVE OFFICE TO SUBMIT TO THE PROCESSOR AS REQUESTED. This is now the XXXX complaint with CFPB. There is a sheriff sale date scheduled for XXXX and Wells Fargo declined the file and has not submitted a request to have the sheriff sale date postponed. Someone either the CFPB or Wells Fargo needs to act responsibly and have this resolved. Wells Fargo has concomitant staff working their short sale files. This has now harmed are seller drastically as we were advised by Wells Fargo that the short sale file will need to be resubmitted again. Wells Fargo Executive office is not following through on their end either.

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 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested in multiple letters ( XXXX 2016 and XXXX 2016 ) to Transunion to validate and provide me documentation that proves that the information that they are reporting and sharing is accurate. They have never provide me with the information requested yet noted that the information on my report was verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citibank when I saw a promotion offering XXXX of their rewards points upon opening the account and making two bill payments. After opening this account, I transferred some earnings from my personal business to this account and made the bill payments. I inquired with the Citibank support representatives as to when I should receive the rewards points, and was told that I should receive it 6-8 weeks after the closing of the following statements. 

I waited that time and still did not receive the rewards points. During this time I was hesitant to increase my reliance on Citi for my financial transactions due to their handling of this situation, and reverted to using my XXXX checking account for deposits and payments. I was told by a Citi representative that I could rest assured that I had fulfilled the requirements of the promotion. I did not receive news from Citi for months, and when checking the account again saw that they had charged me several hundred dollars in fees! My account had gone from having a balance to overdrafted by at least {$200.00}. This all happened without receiving a single statement in the mail or any news saying my checking account was overdrafted. I called immediately to protest the charges, and a representative reversed them. I again asked about the promotional points, and they said they would launch an investigation. That investigation ended with them saying something along the lines of " the promotion you used was invalid. '' Worse yet, when I tried to transfer the remaining balance to pay off a Citi credit card, their site would just return to the main account page with no explanation. When I called Citi support, I was told that my account had been SOLD to XXXX XXXX XXXX!! All without me knowing!! Now I have around {$150.00} " lost '' either with Citi and XXXX XXXX XXXX. They said they would transfer me to XXXX XXXX XXXX, but all the did was connect me to a voice automated line instead of directly to a XXXX XXXX XXXX representative who could assist me ( unlike what XXXX would do ). I went through the automated self-help line and entered my social to find my account, but it said it could find no account under that number. 

The end result of me responding to Citi 's promotional offer is being scammed out of the promotion, being charged fees, potentially being sent to collections because I was given no notification of an overdrafted account, and my account being sold without my consent or knowledge with no way to access that account!!

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 01/23/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Contacted Equifax XXXX XXXX # XXXX to request deletion of outdated account XXXX XXXX # XXXX. CRA is re-aging date of first delinquency ( XXXX ) to date of charge off ( XXXX ). I told him that the creditor has 90 day to report the charge off per section 623 ( a ) ( 5 ) which is the ( XXXX ) date

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Private student loan) with ACCESS GROUP INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.

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 02-01-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Arbitration

Complaint: This is regarding the charge back dispute filed with the Capital One. The dispute amount is {$840.00}. The case # is XXXX. On XX/XX/2016, Capital One issued a refund check in the amount of {$840.00}. On XX/XX/2016, XXXX., I inquired with Capital One Dispute department to see what is the reason for issuing the credit refund and it is okay to cash the check. The agent contacted its Customer Relations Department to check the reason why the check was issued and she discovered that the Merchant failed to respond ( " representment '' ) within 45-48 days per visa guideline. Now that the Merchant responded with non-conforming evidence ( completely irrelevant documents ) after the 48 days of my initial filing date, Captial One rebilled {$840.00} to my account and imposed late fees without mailing me the billing statements. I called and complained to Capital One, however they are telling me now that the case is closed and I must pay the credit refund. Capital One violated my rights as a consumer by failing to exercise their duties to investigate the charge back documents NOR abide by the Visa chargeback guidelines, State and Federal Laws. The Dispute Department at Capital One are not equipped with knowledge of visa dispute guideline nor knowledge of law regard to the disputes/chargeback. Please help me resolve this issue with Capital One to vindicate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My account was sold to them and expect me to pay back high amounts I ca n't afford

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with TD BANK US HOLDING COMPANY (IA).
Issue: Late fee

Complaint: I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Wells Fargo Bank, N.A. Attorney XXXX XXXX XXXX continues to block my lawful remedy for settling a debt by using a PROMISSORY NOTE/NEGOTIABLE BANKERS ACCEPTANCE. Attorney XXXX has mischaracterizing the instruments for solely being a " Private Registered Bond For Setoff '' or a medallion guaranty and claims that the instruments are unmeritorious and I am acting out of bad faith which I object to. 

What Attorney XXXX fails to realize is that Congress passed a public law on June 5,6 1933 which states that : ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money of the United States measured thereby, is declared to be against public policy. ( See exhibit B ) A promissory note is equivalent to money pursuant to U.S.C. Banks and Banking Title 12 Section ( l ) ( 1 ) ( See exhibit C Banks and Banking law regarding a  promissory note ) Attorney XXXX is violating 73d Congress Sess. I. CHS 48,49, June 5,6, 1933 House Joint Resolution public law 73-10, because she can not reject another form of currency that is equivalent to money from an obligor who decides to settle a transaction other than using Federal Reserve Notes. 

Furthermore, the accounts ending in XXXX and XXXX was settled inside of a Wells Fargo branch in XXXX XXXX, Virginia by relationship banker XXXX XXXX XXXX XXXX in XXXX of XXXX. 

Attorney XXXX has copies of the Promissory Note/Negotiable Bankers Acceptance and a copy of a Wells Fargo Bank letter from the branch manager XXXX XXXX XXXX evidencing the settlement performance. 

Moreover, this lawful remedy to settle a debt is not based on money mechanics, the U.S. in bankruptcy or being taken off the gold standard or a sovereign movement nonsense. I just happen to conduct extensive research on the laws and connected the dots. I am not trying to be disrespectful but Attorney XXXX appears to be ignorant of House Joint Resolution public law 73-10 or simply may be in  dishonor.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I literally have Credit inquires and have no idea where they came from.

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 06/26/2017 about Debt collection (Medical debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: TALKED TO SOMEONE IN PRO-COLLECT ABOUT ACCOUNT, WAS TOLD TO SEND BALANCE TO COVER OUTSTANDING DEBT AND IT WILL BE REMOVED FROM ALL THREE CREDIT BUREAUS, I SENT CHECK OF {$75.00} WROTE OF CHECK ALSO AFTER SPEAKING WITH CSR THAT IT WILL BE REMOVED " BY CASHING THIS CHECK YOU ARE AGREEING TO REMOVE ACCOUNT FROM ALL THREE CREDIT BUREAUS. CHECK WAS CASHED ONXX/XX/XXXX. ON XX/XX/XXXX I SPOKE WITH A XXXX XXXX AND SHE STATED THEY DO N'T REMOVE ACCOUNTS, AS OF XX/XX/XXXX THE ACCOUNT WAS N'T REMOVED NOR WAS IT UPDATED OR ANYTHING.

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On or about  XXXX   XXXX ,  2017 , I visited the Experian website to view my credit report. I thought I was entitled t o one free c redit report a year. On  XXXX   XXXX ,    2017, I noticed that Experian charged my Visa card for {$21.00}. I contacted Experian and  was told I entered into a contract for credit monitoring services, and I would be charged {$21.00} each month. I cancelled the contract immediately. The representative said I would receive a refund for the {$21.00}. I waited until  XXXX   XXXX ,    2017,  and contacted Experian a second time to ask about my refund. This time I was told that I would not receive a refund. Furthermore, there was no record that the representative promised a refund in our  XXXX   XXXX ,    2017  phone call. There is no way I entered into a contract with Experian on  XXXX   XXXX ,  2017 . I could not cancel a contract within 7 days if I was not aware that I had a contract. The Experian website is fraudulently charging for a service it does not provide. I received nothing from Experian notifying me of a contract. I encourage everyone to avoid the Experian website.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Service, Inc (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I contacted the company and explained that the balance is still reporting incorrect on my credit report. My account was sold to a third party vendor, and in XXXX my husband agreed to pay around 1300, we paid {$650.00} and the company never corrected the balance on my credit report. Also when I called them they said that even though I paid they would not send me a receipt for the payment I made and also would not correct the balance on my credit report until I paid the remainder balance. I contacted the credit bureau and they claimed the error is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Our Wells Fargo Home Mortgage Loan Number XXXX, recent Interest rate hike is more than reasonable. For XXXX years our base rate was 2.25 %, bought down by an initial substantial payment. Now interest is being raised by the full Libor rate. 

This week Wells Fargo advised that the rate would be the full Libor plus the initial rate or one they calculate to be 3 %, a 33 % gain when it is well known that there has been no substantial gain in interest rates over the last XXXX years. For a year, based on my {$150000.00} mortgage, this results in an additional {$1000.00} increase in payments. Based on this, the next five years, assuming a 1 % Libor each year, would cause the rate to be 7.24 %, a full 322 % gain, or at a minimum, an additional cost to me of {$5200.00}. This is usury. 

The loan agreement does stipulate this Libor rate increase but it is XXXX '' thick document, over XXXX pages, and I missed the full Libor increase clause when initiated. I thought, when they said an increase it meant the percentage change in the rate, not the full Libor rate. A change would mean subtracting today 's Libor rate from the original rate and using the sum as the adder. This would be reasonable. 

Credit score is not in question because mine is XXXX. Is there anything you can do to relieve me of this additional cost?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On the XX/XX/XXXX and XX/XX/XXXX i faxed documents proving my identity to Equifax.On both occasions they have denied receiving any fax although the fax had reported successful transmissions on numerous occasions.I have been trying for months now to retrieve my credit file in order for me to process my home loan.On one occasion the agent had said they had no information on my credit even though i have years of credit history that has been reported to them.I am at a loss now because my actions go nowhere.I have read other similar reports online and seems like Equifax 's practices are putting their clients at serious risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I knew I was selling my car to a large car dealership, I called into Capital One Auto Finance for a payoff quote. The automated system directed me to call in to speak to someone, as I had an auto payment scheduled at that time it was scheduled for XXXX/XXXX/17. I did & spoke to someone at the company, they told me that as long as the payment was received within 10 days of the quote, the payment would not be considered late. I sold the car and Capital One received the payoff on XXXX/XXXX/17. The company reported my loan as paid off but reported my XXXX payment as 30 days late. I disputed through the credit bureaus & called the company directly only to be told that they a " no good will '' policy, despite refunding me the late fee assessed. They will not change my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Bank account or service (Checking account) with NEW YORK COMMUNITY BANK (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a bank account at Garden State Community Bank in XXXX, NJ, a branch of New York Community Bank. I explained to the manager XXXX that I would be making cash deposits on a XXXX basis of approximately $ 3,500- {$4000.00} per XXXX based on my XXXX take home pay from where I work. I receive a paycheck from XXXX XXXX Bank each XXXX and then take the check to a XXXX XXXX Bank branch up the block to be cashed. After taking some money for myself and giving my wife some money, I deposit the rest into my checking account in cash to pay bills. She assured me this would not be a problem. A few months later, a new manager, XXXX, informed me that she had heard from the back office that there was a problem. I explained to her what I had explained to XXXX, and she told me everything would be fine with the explanation. A few months later, a new manager, XXXX, said she had been contacted by the back office as well. I explained to her as I had explained to XXXX and XXXX previously, and offered to give her a copy of my pay stubs to show where the cash was coming from. She agreed to review the pay stubs and send copies to the back office. She then assured me there would be no more problems. I then received a letter from the VP of the Bank, XXXX XXXX, informing me that there was suspicious activity in my account and that the bank would be closing my account effective XXXX XXXX of this year. I called and spoke to XXXX and when I explained everything to her, she assured me that everything would be fine and I would be able to continue my banking. I then spoke to XXXX XXXX who told me that he would review it and yes it was the cash deposits i was making, but that it is highly unlikely that the bank will reverse its decision. He informed me that they were under the scrutiny of Homeland Security. I told him that I had a problem with this decision because I was doing nothing illegal. He confirmed I was doing nothing illegal, however he again said it is very unlikely that the bank will overturn its decision.

Company response to consumer: Closed with explanation