milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.

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 08/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I could not find the actually problem I am having on the list of problems. I am having a problem with their automated dialer dialing me sometimes up to 8 times a day. One or 2 calls a day with a voicemail would be suffice to let me know I missed my payment. In this case it was an accident, I forgot to log on and make the payment and although I am glad they reached out to me to let me know I owed them still, I am very unhappy that I recieved 8 phone calls withing a 24 hour period and when I did get home from work and was able to answer the XXXX phone call they hung up without an explanation. I consider this harassment. Edit : While typing this out I went to log back into my account. They had removed my phone number from the system. So now I can not log into my online account without adding my phone number back onto the account. This in turns gives them permission to call me. I am sure they removed the number after I complained about the number of phone calls I had received. Seeing that I have paperless billing with them and can only pay my bill online I now feel like I am being forced to accept them calling me every 3 hours in order to be able to use the card, or to pay it.

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 05-12-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (SC).
Issue: Trouble during payment process

Complaint: I was denied mortgage relief assistance thr  ough the S.C. Help Program. I went to apply for help though the S.C. Help Program, and I was told that Citifinancial did not participate.
I am not the only one that got the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I had a short sale offer that on a home that was approved on XXXX/XXXX/15 by HSBC. I contacted them for status on XX/XX/XXXX and was told that the short sale was still in the approval process. I received a letter from HSBC dated XX/XX/XXXX stating that the short sale had been approved.Because of this the buyers withdrew their offer. I decided to do a deed in lieu and started the process. Today, I followed up and was told that could not be done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AUTO TRAKK LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Right now I am currently dealing with Sallie Mae. I am paying interest-only right now due to the fact that I ca n't pay a normal payment ( they want $ XXXX a month ). This is not an option for me when I have a mortgage, car payments, etc. ( normal bills ). Sallie Mae had told me this is only an option for one year. My year is up in XXXX and I have tried to let them in on the fact that I wo n't be able to pay that amount, and have tried to discuss working with me, so I can pay them SOMETHING, and this is NOT an option I was told. The only options I was given from Sallie Mae was to let my loans go into default ( how is this helping me )?! OR apply for deferment ( if I ca n't pay the payment now this wo n't help any later in my life ). I had told them I could continue paying the amount I pay for interest only, so they were being paid SOMETHING, but they had flat out told me NO! If they will go to great lengths of not helping their customers, and would rather fight for their money when it goes into collections why would n't they take ANY money I am willing to give them WITHOUT all the extra charges?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I work in a XXXX, Windham professionals has contacted me several times at work, as our organization uses a shared phone line, I have at times been able to set up a payment plan to resolve my student loan debts, but there is no clear way to communicate with them if their payment is drawn too early, or if I miss one, to resolve it. I know first hand the damage a debt collector can do to someone 's employment. I have an enormous student loan burden I am working to pay off with a very modest income. 

Windham professionals is endangering my livelihood with their aggressive, irresponsible and unprofessional tactics. it is very obvious when they call that they are a debt collector, as they announce such and that it is an attempt to collect a debt. They identify who they are looking for AFTER this announcement rather than simply asking to speak to me. I have asked them repeatedly not to call me at work or during work hours as it interrupts appointments and activities, requires personal information to be shared, and essentially tells my supervisor, coworkers AND clients that i am working on repaying student loans. Today a coworker forwarded a call at about XXXX while I was with a client, the debt collector repeatedly ignored my concerns and made every attempt to get me to confirm that I was unwilling to pay my loan, which is not the case, they do not call me during hours I can answer, and their return line goes to a general voice line. I would LOVE to actually arrange a resolution with them but I do n't want to go over my student loan debt and payment processes in front of a group of XXXX. The individual who contacted me today, and essentially bullied his way into a very public discussion told me that if it was important to me, I could call HIS line. I was given the number XXXX to call back which does not actually tell me who I should speak to at all. They call me during work, on my work line, which I have asked them repeatedly not to use, they do n't give me a reasonable way to return their calls and they do it during a time I ca n't even answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 submitted a dispute to transunion several time about a bankruptcy on my report. I do n't believe they are properly investigating my dispute. As it comes back verified in a matter of a day or two. 
I have also asked several times for their verification source. I am told by the " supervisor '' that they do not know. 
I feel as if I have a right to know who is verifiing my information. Yet they refuse to tell 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
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I deposited a cashiers check ( {$33000.00} ) with Green Tree 's bank ( XXXX ) to pay off my Green Tree mortgage. As instructed by Green Tree, the cashiers check had my name and mortgage account number in the memo section so they would know which mortgage account to credit. I confirmed that the check was deposited to the Green tree bank account ( # XXXX ) I checked a few weeks later since I had n't gotten any loan pay off papers. Green Tree said they had gotten nothing. I obtained a copy ( front and back ) of the cashed Cashiers check and sent it to them. They looked at this and admit it looks like they got the money, however they ca n't find where it went. They are now " researching ''.. It has been more than a week of researching and almost three weeks that they have had my money and they do n't know where it is nor will they credit my account.. 
Meanwhile, they show a payment is due for XXXX XXXX. I asked that they change this since in fact, I owed them nothing. Of course they could n't do that. Instead they said " Oh we wo n't report this as late for 30 days ''. Like they can be trusted. 
At this point, I have no faith they will " find '' my money and I will likely have to hire an attorney to get my $ {$.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have XXXX reports with my name incorrect and a home address that includes an " Apartment Number '' although it is a single family home. 
XXXX shows me owning a home and having a mortgage, and other information incorrect in my IDENTIFICATION VERIFICATION.

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 02/21/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit card protection / Debt protection

Complaint: SYNCB.have report inaccurate information to credit bureaus in violation Of FCRA, damaging my ability to obtain credit, the Cfpb have the obligation to investigations THE SYNCB IN VIOLATIONS OF MY CONSTCONSTRUCTIONAL RIGHTS MY SOCIAL SECURITY # XXXX TO LOCATED AL XXXX ACCOUNTS, XXXX, WALMART, TOYURUST, AND CANCELED MY INSURANCE BECAUSE I BELIEVE IM XXXX, IN VIOLATION OF ADA

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries were not authorized because I was already pre financed through my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: On XX/XX/2016 I went into Chase located at XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX, to make a credit card payment. I originally gave the teller {$800.00} cash along w/my credit card and ID. Then I changed my mind and told the teller just to pay {$700.00}. So the teller filled out the payment slip originally w/ {$800.00} then changed it to {$700.00}, had me initial where the changes were made then sign the slip. She gave me a receipt and my {$100.00} back. On XX/XX/XXXX I realized there had to be something wrong w/my account as I always pay my bill and rarely leave a balance. So after several hrs of trying to figure out where the error was I realized that the {$700.00} payment was never posted to my account. I called card services and they credited my account, opened a case and told me to fax over the receipt that was given to me. On XX/XX/XXXX, I went into Chase and faxed a copy of the receipt. I saw the credit as soon as I logged onto my account on XX/XX/XXXX. But then on XX/XX/XXXX or XX/XX/XXXX I saw my account very high again so I looked online and could n't find why until I scrolled all the way down to XX/XX/XXXX transactions their I saw that the {$700.00} credit was taken away. I called Chase and was told I was sent a letter in reference to the credit ( I have not received it at all ). They were not helpful at all they told me to go to the branch and discuss it w/the manager. So I went into branch and spoke to XXXX XXXX who told me she was aware of my situation and that she did n't understand what went wrong. But I left the bank w/her telling me she will get back to me as I told her I was going to go to the XXXX XXXX police dept. to file a report. I did just that the report # is XXXX, I was told that a detective will get in contact w/me and I 'm still waiting. I 'm a single XXXX mom and {$700.00} is n't something I can afford to repay again. Therefore I was advised to contact CFPB and I 'm praying that this matter can be rectified as soon as possible as I do n't need this on my credit report. I will also be contacting the Office of the Comptroller of the Currency ( OCC ) along w/Legal Services ( CFPB ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with ATLAS COLLECTIONS, INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dispute d Atlas Co llections through   XXXX   XXXX   XXXX   XXXX   back in  XXXX   2017 . I 'm no longer obligated to pay the debt of {$910.00} since the original creditor (  XXXX   XXXX   XXXX   )  sold the debt, making the contract between me and  XXXX   XXXX   XXXX  invalid.     As the other  XXXX  credit bureaus removed the account,  XXXX  failed to, stating in their investigation results that " this item remained unchanged from our processing of your dispute in  XXXX   2017 . '' On  XXXX   XXXX  I pulled an updated  XXXX  report and it sho ws Atlas Collections  reports the account " closed '' as of  XXXX   XXXX ,  2017 .     I sent a letter to the collection agency on  XXXX   XXXX   2017  to remove the account from  XXXX , but they have n't contacted me yet.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: THERE IS A INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND NEED TO BE REMOVED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XX/XX/XXXX I called Wells Fargo dealer services to pay my past due amounts to get me caught up to date I had lost XXXX XXXX as I am XXXX and was unable to make my payments due to loss of income they refuse to accept my past due payments by telling me that had I called two days earlier they would not have charged off my account and would have accepted my payment then now that my account is in charge off status they can no longer accept my payments I have called them five times trying to speak to an executive they refused to give me a name or phone number for an executive they refuse to reverse the charge off even though it was only a two day difference and that I did offer to pay all of my past due amount owed They offered a settlement for an amount of {$1700.00} per month for four months but I told them there is no way I can pay that kind of money and I begged them to please lower the amount that will help me with my financial situation and my hardship with my self-employment and loss of income but they refused to help me All I want to do was pay all of my past due payments of three months so I can get back into my monthly payments I can not afford to lose my car it is my life. I have never received anything in writing from this company that this charge off would be happening they have not contacted me at all with a letter either mailed or certified they claim they tried to reach us by telephone but never succeeded theyve never left messages on my telephone id they did call so to me they did not try to contact me to tell Me this would be happening and to offer me to get my payments paid on time before the charge off I dont think its fair that they did not contact me in writing or speak to me by telephone

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 11/20/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.

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