milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Wells fargo has made decisions to deny me approval for credit based on identity theft and fraud on my credit report they were not fair to make another decision and the credit card under writing dept based the decisions on incorrect information on my credit. I informed them numerous times i feel like wells fargo has treated me unfairly as a consumer and the decision to decline was prejudice and not fair based on information they used that was incorrect. I fiiled complaint with attorney general. As well and fair credit act reporting agency.

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 01-10-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Hello, On XX/XX/XXXX, {$110.00} was debited from account twice. There where funds available in my account for these transactions to clear. However on XX/XX/XXXX, I received {$100.00} in over draw fees. I was told that posting items were redistributed which caused me additional fees. 

I was told that because of this, this is why I was charged. Debiting my account for the transaction and redistributing transactions is what to me appears if the bank is just trying to make an additionally {$100.00} in fees. What makes this even harder is there are 3 other accounts that belong to me where the funds were in. I also was told that only with Savings accounts does Chase debit the funds from the account to cover transactions. I spoke with XXXX who was a supervisor. 

Lastly, on XX/XX/XXXX, I was contacted by Chase because of a dispute with XXXX. The transaction was for {$54.00}, which was an error and the merchant only wanted to give me a fandago credit and I would still be charged a {$7.00}. I contacted Chase with this issue. Chase is now asking for proof that I was charged on another credit card. The issue is that was not my credit card, and the individual who the movie tickets were made with will not give me their credit card statements. Additionally, I contacted XXXX again, for a refund and was told that they will not issue anything because I informed them I would dispute the charges. I have been a loyal Chase customer for over 20 years and the relationship now has gotten bad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Medical) with Professional Credit Management, Inc (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: There are on authorize items on my credit report that I did n't pull my credit XXXX hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this is like the 15 th time i have had to make a report about this credit reporting agencies, XXXX, XXXX and XXXX i have made police reports, ftc affidavids wrote them called them and they still keep putting this fraudulant info on my reports then they take it off to get it back three months later under a different collection agency name, I HAVE HAD AND STILL HAVE FULL COVERAGE MEDICAL INSURANCE FOR THE PAST 11 YEARS NO DEDUCTABLE! AND THEY KEEP PUTINNG THESE FRAUDULANT ACCOUNTS ON MY REPORT, NOW IT SAYS IT IS FROM 3 MONTHS AGO XXXX XXXX XXXX FROM COMMONWEALTH FINANXXXX XXXX XXXX WHICH IS A TOTAL LIE FOR ONE I MOVED TO XXXX XXXX XXXX 7 MONTHS AGO SO I AM NOT EVEN IN THAT COUNTY XXXX PLUS I HAVE INSURANCE THEY ARE SAYING I OWE XXXX XXXX I ASKED FOR WHAT SINCE I DONT EVEN LIVE IN THAT COUNTY THE CREDITOR CAN NOT TELL ME OR HAS NO SIGNITURE NO NOTHING BUT THEY PUT THIS FRAUD ON MY CREDIT!! I AM GETTING SICK AND TIRED OF THISOH BUT THE CAR I PAID OFF IN FULL NEVER LATE IS NOT PUT ON AS GOOD CREDIT BECAUSE I PAID IT OFF THIS IS SUCH A SCAM PLEASE HELP ME THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting the requirements. I received written confirmation from a Citi representative that I met the requirements and that the miles would post to my account by XX/XX/XXXX. 

During this time, I 've already been charged a $ XXXX monthly service fee. Now, after confirming this promotion was applied to my account, Citi appears to be pulling a bait and switch. They have suddenly decided I do n't qualify unless I can find a post card from 5 months ago showing the offer. 

I do n't keep mail around for 5 months, and throughout all the communications, nothing was ever said over the past 5 months about needing to keep that post card. 

Now I have {$30.00} in fees and am not receiving XXXX AAdvantage miles. I 'm not alone. XXXX people are in the same situation. Via a XXXX search, I 've read about many people who are going through similar frustrating experiences. 

This is not right. I feel like I 've been lied to and my money has been taken. Despite upholding my end of the agreement, Citi has not provided the miles as promised. 

Something needs to be done about this. I hope you are able to assist so that Citibank honors the promotion they told me I qualified for. I have attached documentation which supports my case.

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 03/19/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Creditor closed the account without sending the principal to the creator.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax and this company name, according to Equifax is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes Equifax and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with Equifax on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (AS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: many years ago i had XXXX installed in my home XXXX to XXXX rooms then i returned all equipment and discontinued service because they were raising prices to extent. so then they said i did not return a box from XXXX or later. i went down took all the equipment i had leased and was paying for monthly then they came up with equipment was not turned in now i was only getting charged monthly for the equipment i turned in they came back saying the i owe XXXX for equipment.. From XXXX they have been reporting to credit bureau and hitting my credit.

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 03/17/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for Wells Fargo.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for XXXX years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.

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 08-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX incorrect addresses reporting on my credit with Equifax over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX mortgage has not deleted the fraudulent reporting of a mortgage loan they have XXXX interest in. Equifax continues to state this mortgage is in foreclosure and XXXX has no legal ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In short, MyFedLoans changed their policy regarding applying for Income Based Repayment this year. They began requiring non-borrower information and tax returns. Further, they did n't train their representatives well on how to explain the new policy to customers, and then capitalized THOUSANDS of dollars of interest increasing the total amount that is daily compounding interest on the loan. I know that this is not just my situation, but that of tens of thousands of borrowers. They have also refused to answer correspondence though I have called over 10 times and submitted online complaints 5 times. This will add over 2 years to my repayment and takes me back to square one. It is also in direct violation of the Student Loan Borrower Repayment Rights in several key areas. I have never fallen behind, thankfully, but instead of them processing my paperwork, they also forced me into forbearance for another two months while they figured out my paperwork, resulting in even more interest to be capitalized. Ultimately, my paperwork was accepted and my student loan payment went DOWN, but this is very demoralizing to student borrowers and will keep them in repayment for far, far longer than is reasonably necessary ( for those who have the desire to actually pay off their debt ). And, for those who can not reasonably expect to, it will increase the amount of their tax liability when the remaining debt is discharged. This is unethical, immoral, and simply counter to established loan servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: RE : XXXX Contacted Navy Federal CU to setup my mortgage payment this month. Due to recurring issues with car repairs I had to set the payment up in two installments, the first payment dated for today and the second payment dated for XX/XX/XXXX. 

I was told by a collections rep, by the name of XXXX/Employee ID # XXXX, that it was against their policy to set the payment up in installments. I have felt with this issue before with Navy Fed CU and advised the representative that he was incorrect and that he needed to set my payment up as I had requested. 

After dealing with his frustrating and harassing tactics for over 30 minutes he finally set the payments up as I had requested of him, in installments as outlined above. The employee did not act in accordance with their policies and procedures and I asked him on many occasions why he was refusing to take my payment. He refused to answer the question, primarily because calls are recorded. 

It seems to me that this tactic can be construed as Navy Federal CU causing consumers frustration and stress which could lead in consumers becoming delinquent with their mortgage payments. Navy Federal CU needs to put a stop to these harassing tactics - when consumers call in to make a payment they need to be accommodating and not harassing. I would like this concern to be made public and I want someone in Management or in the Legal Dept at Navy Fed CU to contact me. 

Lastly, I want to also mention that my mortgage with Navy Fed CU has never been more than 30 days late so I do n't deserve to be treated like someone who is n't paying their bills responsibly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These accounts are not mine and they are being reported on my credit report. I have asked for verification without success. Act number XXXX XXXX and XXXX XXXX. The report also says these accounts were opened in 2013. I did not open any accounts in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (TX).
Issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX, I have been using the XXXX XXXX Rush Card ( debt card ) for the last 18 months, I am XXXX of the XXXX that has not received my paycheck, I have had my bills cut off, and not they are talking about my car being late on payment with that, also my car insurance has lasped. I do n't know what else to do, my HR dept, ca n't give me my money because they ca n't get the money back into their account so they can send me a check back. I live from paycheck to paycheck, and there is no savings on my end, so what I get every two weeks, is all I have. Please help me, and the XXXX other people that are in the same predictament.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This bill was paid in 2012 after I returned home from XXXX. XXXX XXXX XXXX has notified Equifax and provided me copies of my account showing it as paid, however Equifax and XXXX XXXX is showing a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this XXXX XXXX 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 explanation
Consumer complaint received 04-02-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed some of my accounts through Equifax asking for verification. XXXX of the accounts were charged off in XX/XX/XXXX. They sent me back " verification '' of the accounts with only a balance and missing payments which are already found on my credit report. The accounts were opened in XX/XX/XXXX so I wanted to see actual verification with a signature and other documents. After sending the " verification '' they updated my account to show these XXXX charged off credit cards as my current revolving balance. These accounts were not on my revolving balance for years and I have received no bills for these accounts. This took my credit score down over XXXX points. Can you please help me with getting these accounts removed or at least removed from my current revolving balances. Thank you, XXXX XXXX

Company response to consumer: Closed