milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union puts collection accounts on my credit report that do not belong to me. I have contacted the collection company, XXXX XXXX XXXX and the originator, XXXX XXXX XXXX XXXX, and they have agreed to clear them. Somehow, Trans Union still keep these collection accounts on my credit report. 
Note that the collection accounts belong to someone who has different name, date of birth, and address from mine. The collection company obtained my social security from a company called XXXX XXXX. I am not sure how these collections match with my social security anyway.

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 08/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: This is an addendum to my XXXX complaint. Wells Fargo tried a XXXX time to take money out of my account causing XXXX more charges of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Debt collection (Medical) with Kinum, Inc. (UT).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I kept getting calls from Kinum but did not receive any bills when I received my bill I did call them. XXXX is who identified himself and when I told him I do not have any source of income and that once I do I will pay the bill in full became aggressive, angry and began threatening legal ramifications and would not let me speak he kept saying the same thing over and over and then asked if I had a number of an attorney that I would want him to contact and that they would pursue me. He also started questioning how I paid the phone I was on and asked about other bills I had which I did not know they had that kind of information access. I have worked with and am working with other collection agencies such as XXXX recovery and XXXX and have never had such an awful experience. They were willing to work with me and to wait until I was able to make payments. 
People like this make me want to just file bankruptcy and not try and pay off my debt because if this is what you have to go through it 's extremely upsetting and had me on the verge of tears it was so abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am a XXXX XXXX, we have been trying to close on a transaction in Arizona and had to postpone it is costing my XXXX hassle and money had to cancel his work responsibilities 3 times being is XX/XX/XXXX weekend also his holiday vacations. We were told the loan was fully approved and it has not. Listing agent issued 2 cure notices we had to pay {$500.00} for the first extension {$500.00} for the second extension, Cure notice in Arizona is a 3-day process. Cure notice expires tomorrow my XXXX will loose his {$2000.00} escrow money. The deal stated to be a conventional loan 1 week before closing Lender persuaded my XXXX that it was better to switch to FHA his payment will be {$200.00} lower we will have to extend COE for just a week since we had everything was done, inspection, appraisal etc. Then underwriter needed the second appraisal since the home had been Rehab completely just 3 months before, another delay due to waiting for the new appraisal. My XXXX had to get storage for his new appliances that were supposed to be delivered Friday, XX/XX/XXXX.  pay extra for the landscaping delay since landscaper had already bought all materials and was ready to start the job. They have not cared what so ever about COE. And so hard to find the person in charge that could have help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?

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 01-12-2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Capital one will not let me access my financial data

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage with Roundpoint Mortgage. I am refinancing with another Lender. My New Lender is in a constant battle with Roundpoint about the closing costs. Roundpoint continually charges their XXXX based on old laws. My lender sites this " CFPB 's Ability to Repay and Qualified Mortgage Standards under TILA, servicers may only charge interest through the date the mortgage is paid. The change is effective for all FHA loans closed on or after XXXX XXXX, XXXX ''. 
so as you can tell my loan is an FHA loan. 
My loan Funded on XXXX XXXX, XXXX. The attachment called XXXX is attached showing payoff balance. 
On XXXX XXXX, XXXX XXXX XXXX emailed me that additional funds were needed to close the loan. That is the Second attachment XXXX. XXXX still holds to his position that Round point is not allowed to charge additional interest. Additional it is not just {$810.00}, Roundpoint has taken my Suspense Balance of {$1000.00}, So a total of {$1800.00}. After the close of loan. 

When I was on the phone with the Specialist from Roundpoint ( XXXX ) He stated that if this {$810.00} was not paid immediately to HIM after XXXX XXXX, XXXX. Round point would charge me another month of XXXX. Since It appeared to be a Robbery with my loan held hostage, I made the ACH payment while I was on the phone with XXXX. 

I will now try to get my money back, via the CFPB ( {$1800.00} ). The Final attachment are the details of my discussion with Roundpoint on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CT).
Issue: Account opening, closing, or management

Complaint: I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXXmy wife and visited a Wells Fargo Branch in XXXX XXXX, FL and tried making a cash {$600.00} deposit at their outdoor atm machine. At first the machine appeared to be working normally but it rejected a single {$20.00} bill for some reason and then it suddenly shut down and the screen became dark. I checked the other machine adjacent to it and it had a out of order warning on the screen. To be sure I entered the branch and was told by one the banks rep that she was aware and that it was temporary system failure and it should be back on in ten minutes and that I had nothing to worry about. The following day I received an email message from XXXX indicating that they were aware of my transaction but it would take 2 business days to resolve. On XX/XX/XXXXat or about XXXX I received a phone call from a XXXX rep indicating that she was calling to knowledge the problem but that it would take up to ten days to be resolved. She also mentioned that she could not discuss any issues relating to the transaction and that she was just calling to knowledge my complaint.To date this {$580.00} deposit has not been credited to my account and I feel quite frustrated with what appears to be a simple fix.

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 01/23/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My Wells Fargo overdraft fees are ridiculous, no matter how fast I transfer money before the deadline that they gave me they still are overcharging me a {$35.00} fee. My overdraft fee jumped from {$91.00} to {$200.00} In a matter of minutes and the explanation given made absolutely no sense. I complained about them before and it got better but now it is getting worse. I am truly tired of trying to keep up with their fees an now I need your help. This happened today XXXX XXXX. I have talked to many reps with no resolution. Please help.

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 08/23/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015, I called M & T Bank to inquire about options to assist me because of a family emergency and may have trouble making my Mortgage Payment that month. I spoke to a Representative named XXXX XXXX at ext XXXX. She proceeded to tell me about options that were available to assist. However, in the in depth conversation with her I asked several times that if I accepted XXXX of the options, would it negatively impact my credit. She insisted that because I had never missed nor had a late payment that this was a service available to me based on my excellent payment history. She was deceptive in explaining the options and led me to believe that I could skip a payment and add it on the next XXXX months payments without any impact to my credit report. I felt confident in accepting her offer based on inaccurate information. I indicated repeatedly to XXXX XXXX that if it would impact my credit score negatively, then I would prefer not to take the option. I let her know that I have never made a late payment on anything and did not intend to start now. XXXX XXXX assured me that I had nothing to worry about as long as I successfully complied with the payment plan. I made my XXXX payment on XXXX XXXX, 2015 according to the agreement, however, because I check my credit regularly I discovered a XXXX day late payment reported by M & T Bank. I contacted XXXX XXXX to try to resolve the matter and opted out of the payment plan making all scheduled payments as originally agreed. No one has tried to listen to the recorded conversation to rectify this matter. I have called insistently without a resolution or reply. I feel that this is a discriminatory act and a violation of the Fair Credit Reporting Act. I wish to have this matter resolved and the late payment corrected with all XXXX credit bureaus. This has reduced my credit score by XXXX points and negatively impacting my life. Please help to resolve this matter, I take my credit very seriously and due to false information, I was tricked into jeopardizing my excellent credit rating. My loan is in good standing and I am not in danger of losing my home. I simply want the late payment removed because it is tarnishing my good name which could possibly result in higher rates and negative actions from other companies that I have credit with.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: Hello, this is regarding MC issued by XXXX XXXX : acc. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I bought an online ad placement on XX/XX/2016. Shortly after that the website disappeared. I called the number on the email receipt, I was promissed a refund of {$190.00} the next month and the next month. Finally I called XXXX XXXX. They claimed if was over 6 months ago and they can do chargeback but I would have to write the letter. After they asked me for other documents they I promptly faxed and mailed, after few weeks they denied my chargeback : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Dear XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for contacting XXXX Cards. This letter is in response to your inquiry about the transaction described below made with card number XXXX : Date Amount Description XX/XX/2016 {$190.00} XXXX XXXX XXXX Due to the age of the charge, we have no options available to obtain a credit for you. 
Thank you for contacting us. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE. 
XXXX They have my money and merchant is still processing with XXXX, so why they refuse to chargeback for the service I paid for 18 months for and I got nothing? I hope you can influence their Dispute Department as this is clearly nor fair to leave consumer with the money gone and no help from my credit card issuer. Thank you. 
XXXX 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 monetary relief
Consumer complaint received 06/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have not received a statement from Greentree since XXXX. the last correspondence i received was an escrow analysis that was dated XXXX XXXX. I have called at least XXXX times a month, every month they say XXXX is in the mail. I was guaranteed this month that one would be in the mail by XXXX XXXX, I am on the phone again, and they are telling me they once again did not mail XXXX. I am on the phone with XXXX id # XXXX who claims to be a supervisor yelling at me telling me i am lying. It is appalling that all i want is XXXX statement to pay my bill. I have XXXX mortgages and XXXX car payments. Please explain why this is the only company that can not get me a statement. I am now talking with XXXX, Lead id # XXXX he is saying that the flag was just removed this month. Greetree will NOT send me statements this is absolutely frustrating. Why is it i get the escrow analysis and offers to refinance but i can not get a statement

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, I went to a Wells Fargo branch in XXXX, NJ to inquire about opening an HSA account and specifically about the fees associated with such an account. The bank representative with whom I spoke told me that so long as I maintained a minimum of {$5000.00} combined in both my checking account and HSA account with Wells Fargo, I would not incur any fees. Therefore, I decided to open my HSA account with Wells Fargo. Months later, when looking at my HSA statement, I realized that I was being charged a monthly service fee of {$3.00} per month, despite the fact that I maintained an amount greater than {$5000.00} in my checking account and HSA account. 

I contacted Wells Fargo by phone and they simply told me that the information given to me by the representative was wrong and there is nothing I could do about it. I went to speak with the same representative in person and he said again that he was correct and that I should not be charged any fees and that he will look into it. When I followed up with him on the phone, he said he was still looking into it, but I have never been able to receive an answer.

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 05-11-2016 about Debt collection (Medical) with United Revenue Corporation (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: United Revenue Corporation reporting XXXX accounts to my XXXX credit report that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with Global Credit & Collection Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed to pay a debt that is not mine

Company response to consumer: Closed
Consumer complaint received 05/24/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: During our Chapter XXXX Bankruptcy, XXXX XXXX XXXX offered us a Trial Modification, we accepted. After the first modification payment our loan was sold to M & T Bank/XXXX XXXX XXXX. It came to our attention that there is an error on the Loan Modification Agreement. We contacted M & T Bank regarding the additional {$21000.00} that was added to the modication and we received a letter stating how they came up with the figure. ( See Attached ) During our Chapter XXXX bankruptcy, we were paying XXXX XXXX XXXX Arrearage, the amount paid to them was {$10000.00}. On a previous letter sent to me regarding my request for explanation of mortgage account it states the balance of the loan as of XXXX XXXX, XXXX was XXXX and the total amount due in your loan as of XXXX XXXX, XXXX is {$290000.00}. M & T was not the servicer on our loan in XXXX. We are concerned why the additional {$21000.00} was added to the loan modification.I have also included a document from XXXX stating that my balance on the loan as of XXXX/XXXX/XXXX was {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.

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