milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was expecting 2 reimbursement checks to arrive from my employer, I contacted my employer on X/XX/17 because I had not received the checks in the mail. My employer advised me that the checks had been deposited in someones account, and my employer sent me an image of the fronts and backs of the checks, which showed a forgery of my name and the statement to deposit the funds to the account of XXXX XXXX and a signature indicating the name XXXX XXXX. I drove to XXXX XXXX XXXX to inquired since the checks were issued on a XXXX XXXX XXXX account. While at XXXX XXXX XXXX we discovered the checks indicated they were cashed at a Wells Fargo. I went to Wells Fargo and they told me they would not file a claim for the theft and would not be looking into the issue, they would not take any information on the issue eventhough I was offering them the images of both sides showing them the account number the checks were deposited to. So as the victim of theft and forgery I filed a police report and have provided the check images to the police department as Wells Fargo clearly will do nothing. XXXX  XXXX XXXX branch, the XXXX XXXX XXXX Fraud Department, and the police department all indicated Wells Fargo is difficult to work with and that they do not respond in a timely fashion.

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 01-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: Amex refuses to honor sign up bonus. 
My wife and I both signed up for the american express XXXX card with the XXXX bonus pts after spending {$750.00}. My wife got hers no problem, but mine never posted so i opened an investigation several months ago. Each time I spoke or chat, they told me different reasons. XXXX of the rep was claiming that I am not qualified for the bonus due to having other Amex product but I do not find that statement anywhere in the Terms and conditions. 
I understand they honors a sign up bonus once in a lifetime par product however, I never had XXXX credit card before. 
My wife also has several other Amex credit cards but received her XXXX bonus without any problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent chase auto, XXXX XXXX and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My XXXX XXXX statement shows 3 lines : 1 ) **APR for current and future transactions ''. This suggests that the balance is subject to a 0.00 % APR for this statement and future transactions 2 ) Balance Subject to interest Rate suggests that {$10000.00} is subject to a 0.00 % interest rate 3 ) Expires with Statement XXXX suggests that this is the last statement that will be subject to the 0.00 % APR. It also suggests that the next statement will show an increased APR, with a balance subject to that rate. 

I was charged {$160.00} on my XXXX statement. I believe the XXXX statement is clear and unambiguous ; I am to be charged a 0.00 % interest rate on the entire balance for the month. 

I believe XXXX XXXX XXXX uses this statement to be intentionally misleading. 

I called XXXX XXXX XXXX, and the woman I spoke with was combative and disparaging. She said that the information is clear and unambiguous, that the interest rate expired on XXXX. She stated that if I need help reading my statement, I should have sought help to interpret the financial statement. I work in the financial industry as an analyst, I am pretty familiar with reading financial statements. I agree that the statement was clear and unambiguous, I was supposed to be charged a 0.00 % APR on the balance. 

Not only was the customer service demeaning and rude ; they tried to argue with me, as if to say that this occurs quite frequently with other customers. I believe this is because the statement is intentionally misleading ; they are asked by management to argue with customers, make it seem like it is the customer 's mistake, and denigrate the customer 's financial knowledge. 

What an awful experience with XXXX XXXX XXXX, it is an equal disappointment that XXXX XXXX is associated with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull there credit three times in one month.

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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: See attached settlement letter .... Yet this CollectionXXXX Account is shown on my credit bureaus for debt owed to XXXX XXXX Nevada although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

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 07/22/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.

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 02-01-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of america had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted bank of america in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for bank of america that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.

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 08/17/2016 about Student loan (Non-federal student loan) with ACS Education Services (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (WA).
Issue: Managing the loan or lease

Complaint: Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: I live in XXXX Florida which was impacted by hurricane Irma in XX/XX/. 
I heard from other people that since I was impacted by the hurricane I could skip my mortgage payments. I called my lender & was told that since did live in a federal disaster area I could defer my payments to the back of the loan. 
I chose to defer three payments, XXXX, XXXX & XXXX, I then resumed my payments in XXXX. 
In XXXX I received a letter stating I was three months behind on my payments, I called them & they said I did not qualify & had to get current ( pay the three months ), which is around {$8000.00}, that I do not have, complete a homeowners assistance program, short sale or get foreclosed. 
Since I intend to stay in my house, I completed the homeowners assistance paperwork, they then wanted a hardship letter, which I have not completed. 
I feel this is not fair to me since I have never been late on a payment, they told me I could defer my payments then tell me I am three months behind & are threatening to report me to the credit bureau..

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (I do not know) with First Recovery Solutions, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This time it is a company called " First Recovery ''. 

I keep getting repeated calls. My wife and my work are also being called. I 'd like a cease and desist from these people, they have been hounding me for almost a year, and every time XXXX ends, a different company starts calling. I do not want or wish to be contacted by anyone unsolicited by telephone, especially when they are threatening court summons and wage garnishment without prior notice or explaining what they are talking about. Please help make this stop once and for all.

Company response to consumer: Untimely response
Consumer complaint received 04-08-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had " no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Bank of America did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Bank of America 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had.

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 12/15/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been monitoring my credit report the last 3 years since my chapter XXXX A week ago on XXXX my Equifax score plummeted XXXX points!!!! they now say I am a XXXX. That is a score for people that DO NOT PAY THERE BILLS! I was denied credit lately for my wife 's XXXX present, if I was to qualify for a loan it would be 20 % or Higher. I am a homeowner 5 pmts on time own a XXXX ram, 16 payments never late, a recreational loan for 3 yrs never any late payments. I am in the same category according to Equifax as some one delinquent on a mortgage, a vehicle repossession and numerous credit charge off 's. As you can clearly see I have paid perfect since the chapter XXXX is n't that what I am supposed to do? I have said over and over the credit reporting agencies are FLAWED and if this does n't get resolved I am going to hire an attorney and file a class action law suit. I have a customer c come in the other day, 8 late payments a vehicle charge off and they were still higher than my score. This is unfair please get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not able to remove a credit freeze I may have put on my account when I was disputing some items. Now I ca n't get credit because most places say that they can not pull my credit due to a credit freeze. I was trying to get my free credit report on line but because there is a XXXX, I was not able to get any of the reports online. I try to contact all 3 bureaus but non offer an online or telephone call to remove the XXXX, please help, they are killing me with denials due to unable to see 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 12/14/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Despite having an agreement made two months ago with Wells Fargo to pay a credit line ( debt ) with $ XXXX monthly payments for six months ( at which time we will see if I can pay more ) or continue the {$300.00} a month, I am receiving multiple phone calls from XXXX from Collections with the message, " XXXX wanted me to call you based on your agreement ... '' XXXX had no information about the " agreement '' with her supervisor XXXX ( noted in detail below ), but is calling me anyways. I told XXXX the agreement was {$300.00} a month, which is what I have been doing for three months now. She said XXXX told her to call me but had no other information. I then received yet another call from XXXX asking about this " agreement '' she has no information on and transferred me to her supervisor XXXX. 

Apparently, XXXX, whom I made the monthly payment agreement with wants me to pay the debt in full now and is having XXXX call me. I have explained now three times my financial situation and my inability to pay it off at once ( I 'm a new small business owner XXXX ). I offered my 2015 tax returns to illustrate my inability to pay the debt in full ( out right ), but the Supervisor XXXX told me, " lose the attitude, XXXX. I 'm going to follow my boss ' recommendation and sue you. '' XXXX then immediately hung up the phone as I began to respond to his threat. He hung up on me after telling me Wells Fargo was going to sue me regardless of answering the multiple phone calls from XXXX and paying {$300.00} every month as per the agreement made with XXXX at Wells Fargo. He does n't care and wants it paid off. A representative from Wells Fargo 's remediation department called me and left a message. I called the representative back only to have her tell me that she ca n't talk to me about the debt because it 's in my husband 's name. I reiterated that my husband gave Wells Fargo ( specifically XXXX ) verbal confirmation to discuss the debt with me. Apparently, the remediation dept representative did n't know about the case/issues prior to calling me. I noted to Wells that this is becoming a joke, but I 'm left with the threat of a lawsuit from a huge bank festering over my head. 

Hearing that Wells Fargo is going to sue me is causing me XXXX and I 'm a XXXX yo XXXX ( XXXX ) mother of XXXX. Small business owner in XXXX XXXX. 

Being harassed and threatened with a lawsuit is frightening.

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 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with U.S. BANCORP (UT).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Hello US BANK you keep my ending balance XXXX $ for over 2 months, and I tired to ask your customer service, but no one has any idea about my account information. Please inform me when you will release my money.

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