milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I answered a phone call after being called 9 times in a 24 hour period. It belonged to sunrise credit services, stating they are collecting a debt on behalf of XXXX XXXX XXXX. I told them that they have violated FDCPA guidelines. They said they have only called us once. My phone records show otherwise. They also called from different numbers.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I 'm sending this email with regards to poor customer service experience I had on Friday XXXX XXXX. 

I was calling into Wells Fargo Customer Service to inquire about a over draft transfer fee I received on XXXX/XXXX/15. 
My concern is on XXXX/XXXX/15 at XXXX CST a Wells Fargo to Wells Fargo deposit was made to my account which would have added to the {$100.00} available balance that was already in the account and would have been more then sufficient funds to cover the monthly automatic debit for {$53.00} charge in which I incurred the over draft charge. Wells Fargo should have posted this deposit immediately given that it was a Wells Fargo to Wells Fargo transfer. 
Later on that afternoon I went to the store around XXXX XXXX CST which is the XXXX charge they also posted before posting the deposit. 

My point here is that Wells Fargo once again maliciously posted debits before the deposit in order to get the over draft charge. This is happens too frequently to my account when I have bills set up on auto pay they will wait until the funds are low and post them all at once which causes me to over draft my account with a pay day pending. I have had to stopped any automatic debits to this account except those I could not halt. 

In this instance my deposited funds were pending for an entire day and do not show posting until XXXX/XXXX/15 ( the following business day ) how is this possible when it is coming from another Wells Fargo account? 

When I contacted customer service to ask my questions I was told by the first CSR that they did n't have the ability to see the time of the posting therefore I would have to talk to the online banking department. I was transferred to a woman around XXXX XXXX I explained my situation to the analyst ( My error in not writing down her name ) and she could not explain to me the times the funds posted ; she did however, hang up on me after I became frustrated with her circling around and not answering my question as to why the deposit made on XX/XX/XXXX was still showing pending. Her words were " thank you for calling have a nice day '' and she disconnected the call. At no time did I indicate my conversation was finished. To further my frustration when I called back in attempt to get the name of the CSR that hung up on me and spoke to another CSR XXXX who states he can not view who I was speaking with at which point I asked for a supervisor the supervisor XXXX XXXX then got on the phone did not ask the reason for my call did not greet me in a professional manner but instead was very unprofessional and advised me that she was heading into a meeting and would have to call me back. I have yet to receive a call back from XXXX. 
I have been a customer of Wells Fargo bank for almost 17 years and am in complete dismay over this ordeal. I will be closing both of my accounts with Well Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Good Evening, Received Citi Simplicity Card in mail today XXXX/XXXX/2017 @ XXXX I successfully activated the card. However, upon registering for an online account I was asked for a code word to validate my account. Confused I called the Customer Service # listed on the card and explained to the first representative I am a new account holder ; just received card, activated and have no such codeword. I was told I needed to verify my identify. That call ended by her disconnecting and two calls later I spoke with XXXX and repeated the above. I informed XXXX XXXX was recording the call as the two previous calls ended abruptly and I was unclear why. XXXX proceeded to tell me he needed a number to verify me. I told him I had three numbers. He immediately tried my landline number and stated my name ( verified it was me and my XXXX account ) but then proceeded to tell me my XXXX number did not meet the criteria. When I asked what the criteria was he stated " that information is classified. '' I proceeded to ask XXXX to close the account as I knew there was something immensely wrong with the verification process. He stated he could not use the other two active working numbers ( personal cell phone and business cell phone ) but a supposed random number listed by my ss #. He then proceeded to call this number and upon returning to the call ask me about an family member, I laughed because he was referring to my XXXX XXXX XXXX son! The entirety of the call was recorded and I made XXXX fully aware of the recording multiple times and he agreed to be recorded. In the end XXXX refused to closed the account as I requested because the three numbers he could call did not meet a " classified '' list of qualifications.

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 06-01-2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. 
My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. 
The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. 
The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. 
There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. 
Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? 
Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.

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 SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Consumer Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. Bank Info : Citizens Bank XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. The bank manager was not available on XXXX/XXXX/2016, the Friday before memorial day weekend for me to discuss a dispute of charges with her. I spoke with licensed banker XXXX ID # XXXX XXXX XXXX and was told that I would not be charged an additional charge until I was able to speak with the manager on Tuesday, XXXX/XXXX/2016. I just spoke with this same banker, XXXX XXXX over the phone today ( XXXX/XXXX/2016 ), and she told me that she spoke with the manager, there was nothing they could do in regards to the charges on my acct and I was now responsible for the ADDITIONAL fee incurred today XXXX/XXXX/2016 which is ridiculous considering it occurred during the time the manager decided to take a TRIP and not available. This is unfair!!!! Details of transaction/fees : XXXX/XXXX/16 Check # XXXX for {$27.00} causing a negative balance of {$24.00}. Service Charge Sustained Od of {$30.00} on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016. Also, I was not notified of my negative balance while I received these service charges every 5 days, no mail was received. I was blindsided which was why I wished to speak with the manager in the 1st place on the XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit determination

Complaint: I have a hard hit inquiry on my XXXX Credit Report by Chase Card that I do n't recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Managing the loan or lease

Complaint: I made a payment on line and apparently keyed in the wrong bank account number.  Huntington  bank could n't process the payment so they changed me {$55.00} in NSF fees. How can they charge me NSF fees when it never made it to my account? It 's a returned item, not an NSF and they should n't be allowed to change an NSF fee for a returned item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with United Resource Systems, Inc (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached the creditors letter for which they have approved to have the delinquencies removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Advance Bureau of Collections (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I WAS RENTING APATMENT AND I PAID FIRST AND LAST MONTH RENT DURING MOVE IN PROCESS AND WAS NOT BEHIND AT THE TIME I MOVED OUT WHICH WAS IN XXXX 2015.  NOTICED NEW COLLECTION ON MY REPORT IN THE AMOUNT OF XXXX DOLLARS IN XXXX 2015 WITHOUT ANY NOTICE.I AM NOT RESPONSIBLE FOR THIS AS I WAS NOT LATE AND ALSO PAID FOR LAST MONTH. THE APARTMENTS WERE XXXX XXXX LOCATED ON XXXX XXXX XXXX XXXX GA XXXXRENT WAS XXXX.COLLECTION AGENCY IS ADVANCED BUREAU OF COLLECTIONS.I HAVE NO CONTRACT WITH AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (VA).
Issue: Struggling to pay your loan

Complaint: I recently received a personal loan from Sofi in the amount of $ XXXX. I responded to marketing and in 48 hours the money was in my bank account. The problem, I am a XXXX XXXX and felt there were no controls in place ; e.g., co-signer from a spouse, etc. that protected me. 

When I emailed the CEO on XX/XX/XXXX of my predicament I received the following response. 

Hello XXXX, Thank you for reaching out to our CEO. I was forwarded your email so I could reach out to you. 

I cant imagine what you must be dealing with right now. I would like to take the time to speak with you in more detail about the situation you are facing. Is there a good time in which we could schedule to speak? If its more convenient, you can reach out to us at XXXX and ask to speak with me directly or anyone in the office of the CEO. 

I look forward to your response. 

Best regards, XXXX XXXX. 
Social Finance Inc. 
XXXX ****END OF MSG**** Subsequently, I called Sofi and spoke to someone else in the front office who was rude and aggressive in stating, you signed these documents you must pay. XXXX XXXX on the other hand did return my call and was apologetic that there was nothing he could do although I do value ( and trust ) his follow-through. It is the management policies of Sofi that are dishonest and why I want to pay off the loan I have with them with another vendor at a significantly lower rate.

At this point I am trying to pay off my loan with another vendor and that vendor tells me Sofi does not want to participate. It is my perspective that Sofi is a predatory and against the standards of the Consumer Protections Financial Board. 

CFPB should validate their controls and how they work with individuals with difficult circumstances which would validate the ethics and authenticity of this company. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with Capital One without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been making the minimum payment on this card ; however, the creditp r (   XXXX    XXXX    XXXX   ) ha s been reporting my account late from  XXXX  2017-  XXXX   2017 . I was not notified nor did I receive any correspondence of the account being late and their is no reason I should have considering the payments were being made on time.   XXXX  Upon disputing the inaccuracy the comany only sends letters stating the reporting is accurate ; however, they will not provide me with any documentation stating that it is accurate.

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 03-01-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing disputes

Complaint: I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.

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 10-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: 1. I did what Navient said to do, write on a piece a paper on which account you would like to make a payment to-instead of the normal payment, I wrote the amount the check number and wanted to pay off one of the loans in my consolidated loan. So I did, then got a statement showing Navient put the money towards both the loans, I called them not once but twice and talked with a manager they said they were sorry and that I would not have a payment until XX/XX/XXXX. 
2. Just received a letter for forbearance, which I did not request, I called immediately this evening and found out that a customer service agent did this, then XXXX the other service agent said the other service agent made a mistake. l asked her to send me a corrected letter and made sure that my loan, and my fixed interest stayed the same. 
I have had this loan for about 15 years it has been sold and bought many times, this is the worst company, I would like a different service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I bought the home in XX/XX/XXXX. I always paid on time until The XXXX when my job was destroyed the XXXX XXXX XXXX XXXX. I was given unemployment for a period of time and I still made payments. After that time my daughter moved back home to help us meet our financial obligations. 

We sent complete financial packages to XXXX and while in the process of waiting for an answer the loan was transferred to a new Mortgage Servicer. They immediately went for a judgment of foreclosure and set a sale date XX/XX/XXXX, we had to file a Chapter XXXX to stop the sale. 

We did everything the new servicing company requested Bayview Loan Servicing. 
We are fighting to save our home. Please help us. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX

Company response to consumer: Closed with explanation