milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Account opening, closing, or management

Complaint: I was a Wells Fargo customer for over 10 years, they were the first account I opened as a young adult. As a young adult I never had much money, in 2010 I was on the phone with them at least once a month, they would rearrange the order of my withdrawls on my account and charge me {$35.00} for XXXX small charges instead of XXXX late fee for the check. I would call them in tears and they would say " well you new that money was coming out, why would you spend it '' ... This happened several times over the next couple years. I never fought it, I was young and living from paycheck to paycheck, pretty irresponsible with my money, i thought i kind of deserved it. So now I hear all that they are up to and I would like to get some kind notice as to what is being done for there customers they took money from? I finally closed my account with them this year because they started chrarging me for moving money from checking to savings, I was so sick all of their XXXX fees and never thought I would get anywhere with them anyway. The victimize low income, young, foreign, I have had many many friends who have had this same thing happen to them!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Thunderbird Collection Specialists, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX and XXXX credit reporting agencies. I requested verification of the debt and account to which the business failed to provide adequate proof and have yet to respond. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: Bebit was closed in XXXX  balance no payment was missing improper reporting to all 3 credit inquiries pls remove well fargo card service

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CNG FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing/Cancelling account

Complaint: Aproximately 4 weeks ago Capital One placed a restriction on all XXXX of my Credit cards. Initially I was told there was possible fraud and they were conducting an investigation. After 3 more calls and an email to their CEO I was told it was n't fraud but an internal issue for which they had no explanation or time frame for a resolution. I have still had no resolution except a letter saying they are working on it without explaining what " it '' is.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting XXXX Payment not received. I am on auto pay and here is the confirmation number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Transaction issue

Complaint: Hello I am using Amex credit card, i purchased apple watch from XXXX local store on XXXX/XXXX/2016 for {$370.00} for my wife and she just changes her mine and we return that apple watch at same place in ( XXXX ) store on XXXX/XXXX/2016, When i checked online in my credit card account i see instead of credit of ( {$370.00} ) on XXXX/XXXX/2016 they charged me again so they charge me again. 

I called Credit card company twice and they just give me credit of ( {$370.00} ) and still they need to give me credit of remaining {$370.00} since they charged twice. 

Also XXXX charged me {$370.00} in my XXXX account as well and when i called even XXXX representative not responding properly. 

Can you help us here please. Let me know what legal documentation you need any statements or item return bill from XXXX company. 

Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problems caused by my funds being low

Complaint: Bank had no checks cleared when I looked at account online XX/XX/2016 and morning of XX/XX/2016. The balance on that date XX/XX/2016 was slightly over {$920.00} ... on the fourth I checked again and they said a check cleared on the XXXX and charges me a {$35.00} overdraft fee. They cleared a check retroactively which incurred a fee or my online banking was not accurate. Either way, this is no fault of my patronage. 

Twice I was told upper management would call me back, once in XXXX hours and once in XXXX hours. I still have not gotten a callback and my branch filed a complaint and XXXX notices ... they have not heard back either. I am owed {$35.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was CLOSING my XXXX checking account in XXXX 2015. I accidentally overdrew the balance when I was trying to CLOSE the account. 
This overdraft AUTOMATICALLY triggered the opening of a {$500.00} overdraft protection loan account called a line of credit. I DID NOT NEED OR WANT this line of credit, but it was automatic, and very untimely.. I PAID the overdraft in full as well as the {$500.00} balance to close the line of credit. Instead of CLOSING the line of credit, XXXX kept it open. In XXXX, 2015, I spoke to XXXX XXXX, manager of the XXXX Bank at XXXX XXXX, XXXX, Tn, and he told me the line of credit was CLOSED. He is the BRANCH MANAGER. 
I now see the line of credit LISTED on my credit report. This is INCORRECT. IT IS A CLOSED ACCOUNT. It was a BANK ERROR on behalf of XXXX, and they asssure me that it is NOW corrected. PLEASE HELP! THANKS XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Advertising and marketing

Complaint: I ordered a XXXX Wells Fargo credit card for our daughter to use in case of emergency. 
The brochure with that XXXX credit card clearly stated that she could get a cash advance ( in case of emergency ). Our daughter tried to get such a cash advance at XXXX different branch locations without success. While this was going on I called Wells Fargo headquarters and was informed they had no power over any branch office to assist.

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
Consumer complaint received 10/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: At the direction of XXXX XXXX, I requested a complete " Loan Chronology '' of each and every student loan AES servicer had for me entire complete trace back to the begging of each and every loan. 

They refuse to provide me one.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Fraud or scam

Complaint: On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Closing/Cancelling account

Complaint: I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a letter to Ocwen bank like they told me to do over the phone when I called them about my mortgage pmi. I told them I would like to have them look at my account and see about the removal of the pmi since my house is clearly well over the 20 % threashold. They sent me a letter back stating that my ltv was 95 % which there is no way. I would like an appraisal done and shown that this is false. 
Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My loan payments for part of XXXX and all of XXXX were {$700.00} based on income information that I provided to my lender by linking directly to the IRS portal. Now the lender claims they processed that information incorrectly because I was listed as single in their system ( even though I listed myself as married in XXXX when I filed my taxes and when I filed paperwork to renew my loan ). I provided my spouse 's income as well, to further indicate my marital and filing status. Contradictory to their claim, they are also saying they both my spouse 's and my incomes into consideration to determine the loan amount for XXXX and most of XXXX. Now they are stating they are are working to process my application correctly now and are increasing my loan payment to {$1300.00}, even with my family size of XXXX. My only other option is to switch repayment programs which causes the accrued interest of over $ 38k on my plan to capitalize the interest.
XXXX from Great Lakes Employee ID XXXX spoke with me and refused to consider my husband 's new income even though I told him it had substantially reduced from XXXX. They keep insisting according to new laws and regulations, my supposed payment to them is {$1300.00} according to their calculations. This is putting an undue financial hardship on me and my now growing family ( I am XXXX XXXX  XXXX currently ).
Please help mediate with them so I am not paying dearly for their costly error. Their representative admitted on the phone that their system processed my payment incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Several of my bank accounts were Frauded and invaded several times Bank of america XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX Under my social security # XXXX the very last incident Was from XXXX XXXX XXXX XXXX Nj XXXX XXXX home owner and XXXX XXXX and XXXX son Computer programmers hackers and Scammers XXXX is a script kiddy And ring leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX have switched my account from bank of america to XXXX i am a XXXX resident Of georgia and they reside in nj also hacked my atm card and transactions Along with cancelling my health insurance contact me by mail only XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX For 7hrs of continuing details in progresd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX  ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 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: Information belongs to someone else

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.

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 02-03-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AZ).
Issue: Incorrect information on your report

Complaint: A Divorce Decree was signed and recorded by the Superior Court Arizona dated XX/XX/XXXX. The Decree specifically states to the Respondent ; ( page 5, h ) " The marital residence located and debt thereon in the approximate amount of {$22000.00} awarded to Respondent. '' The Decree further states ; ( page 8, paragraph 9 ) " Respondent is hereby awarded as her sole and separate property subject to any encumbrances thereon, upon which Respondent shall indemnify and hold the Petitioner harmless, all property, assets, cash payments, and items allocated to the Respondent as set forth in this Decree. '' The Decree additionally states ; ( page 8, paragraph 12 ) " This Decree of Dissolution shall be deemed a sufficient deed, conveyance, assignment, transfer and/or bill of sale of any and all right, title, interest and claim and demand of every nature covered by this Decree. It is further ordered that this document may be filed and/or recorded a valid instrument. '' XX/XX/XXXX, I forwarded a Divorce Decree copy to Mortgage company and asked to have my name removed from negative credit reporting. The Mortgage company continues to ignore the Superior Court decree dated 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