milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Incorrect exchange rate

Complaint: I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with FIRSTBANK (CO).
Issue: Problems caused by my funds being low

Complaint: I am putting in this complaint on behalf of my nephew, XXXX XXXX. The complaint is against First Bank. He was XXXX years old and a XXXX when he opened the account in 2014. I went with him to the bank and made sure that he had opted out of the Bank paying for anything if he had no funds in his account. He had borrowed some money from another financial institution and they were withdrawing monthly payments out of his account. He lost his job and his account dwindled to XXXX. It was our understanding that he was ok as far as the bank was concerned since we had told them not to pay for anything if there was no money in the account. However, the bank has built up an amount of almost {$250.00} that they say were charges for refusing transactions to the financial institution that XXXX owed some money to. This is fraud of the highest order. We were never informed that the bank would charge for refusing transactions also. We went in to the bank a couple of times and were told that we needed to come back with {$250.00} in hand. We were also given illogical explanations for why it was alright for the bank to charge XXXX for refused transactions. This was very disrespectful. 
We request that all charges be dropped immediately and the bank apologize for making this entire situation so stressful and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (Other mortgage) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with Sierra Holdings LLC (MI).
Issue: Taking out the loan or lease

Complaint: I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I did contact both credit collection agency listed on my credit report to dispute the XXXX collections on my credit report that do not belong to me or to anyone I know. 

The person 's name given to me by XXXX XXXX XXXX was a XXXX XXXX. I do not know this person and I believe this is a mistake or fraud on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian Credit Reporting Agency - Unable to place credit freeze. I have already mailed information, received credit report that I had already pulled online. Credit report number XXXX. Their system says this is invalid. I also found the last 4 digits of my social security number incorrect on report. I can not reach anybody and keep getting kicked out of their system. I only have online contacts or phone numbers that go nowhere.

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 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX ,  XXXX , and Transunion. They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences betwee n 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt  it necessary to express my concern.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted TRANSUNION bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave or if it was a problem with transuniion system error recently, I deal with a lot of foreigners so I 'm not sure if this is fraud or just a error with trans : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX !!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED TRANSUNION AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX    XXXX   XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX  XX/XX/XXXX  THESE ARE NOT MINES AS AT ALL /NOR AM I AWARE OF ANY OF THIS, LAST YEARS REQUEST :  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.

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 01/29/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Settlement process and costs

Complaint: My attorneys and I have been trying to complete the sale of my home. We have been unable since 2015 due to the fact Specialized Loan Service refused and stated to us that Intervening/Mortgage assignment documents does n't exist leaving us with no option but to sit and continue to accumulate unfair fees and SLS lawyer and other fees. When my attorney asked XXXX and her supervisor for SLS attorney information they stated that they could not provide that to him. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and several other agents. My information continues to be passed and ignored. Today, instead of the mortgage assignment documents being sent to me. I received the mortgage assistance documents not what I asked for. I am a recently divorced mother of XXXX kids with no income due to a medical illness. I need to sell in order to care for my family, bills and my XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do 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 05-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: The card has been paid off for well over two years and I have about 5,000 reward miles that they will not allow me to redeem. I 've tried contacting them and get the explanation that my account is not in good standing. I do n't see what more I can do than having the card completely paid off. The out-sourced support person can only say in broken English " you have to get your account in good standing ''. I will certainly never do business with Capital One again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi there, I have been trying to get a fraudulent charge removed from my Citi Card for weeks. The charge was made on XX/XX/XXXX in the amount of {$470.00}. I did not notice the charge on my statement until XX/XX/XXXX Citi did not inform me of the charge, as most other banks do. I was assured that the card would be voided, that I would be sent a new one, and that I would receive a credit on my account while the matter was being investigated. I was told that I would receive a credit within 3-5 business days. I noticed on the weekend that the card was still active ( I was able to use it online ). I called Citi, and it seems that they forgot to cancel the card and send a new one. Additionally, the charge had not even started to be investigated, and it would take additional time to receive a credit on my account. I received my new card and assumed that I would be receiving a credit on my account soon. Wrong! Last Monday, XX/XX/XXXX, I called Citi to inquire why I have not yet received the credit on my account. I was told that the charge was " mis-tagged '' and that I would be receiving the credit in 3-5 business days. I was also assured that the credit would be posted to my account before my next billing statement. It is now a week later and I have received my new billing statement. There is still no credit. I just contacted Citi Bank and was told it would take an additional 7-10 business days. I have never had such trouble dealing with credit card fraud.

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