milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I will be suing wells fargo for letting the felon criminal 's XXXX and XXXX XXXX to leak out my private information and how they told their friends to get them to laugh at me. Since wells fargo will not do anything to XXXX XXXX for her using her position as a district manager to do unethical and criminal things against me. I have no choice but to take legal action, since wells fargo choice to make a business decision to get involved on her behalf to close my checking account and telling me not to enter their bank. I will be filing legal action to sue wells fargo for defamation of character, XXXX XXXX  and XXXX XXXX. I have been patient beyond belief to no avail with wells fargo, they have pushed me to do this, they want to keep messing with my emotions. I can sue for someone falsely accusing me to take away something from you, this case my checking account. Wells fargo can not take away my civil rights. I was pressured by banker " XXXX XXXX '' at the wells fargo branch located on XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX al XXXX. My insurance company uses wells fargo for their bank, so i had to come in to cash it. This was in XX/2013 and this banker named " XXXX XXXX '' would n't leave me alone to open a new bank account. She also made fun of my sons facial expressions, this is unprofessional for a banker to do. I did not want a checking account with them but she kept pressuring me to open one anyway. And this XXXX banker employee kept running my son back and forth harassing him. And to be treated like this by wells fargo even though I did not want a checking account is a pure insult. All i wanted to do was cash my insurance check and leave.

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 02/18/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my first home in XXXX XXXX. 
My home was financed through Pacific Union. Payment was set at {$1700.00} per month. 
In XXXX I received a letter in the mail stating that I had an escrow deficit of {$10000.00}. I repeatedly asked Pacific Union why it took them 2 years to notify of the escrow deficit. To this day they have not been able to give me a straight answer. My mortgage payment increased to {$2900.00} per month. I asked if they could refinance my loan to bring it back to a payment i can afford. They immediately told me they could not help me until i paid the {$10000.00} escrow deficit. I proceeded to find another mortgage company. 
XXXX XXXX approved my loan application with the escrow deficit and proceeded to purchase the loan from Pacific Union. XXXX XXXX told me since they were buying my loan i would not have to pay the following month until the following month. At this time Pacific Union called me and stated they did not want to loose me as a customer and stated they would refinance my loan. I responded to them if they can get me back to a payment i can afford i would stay with them. Unfortunately, the XX/XX/XXXX payment with Pacific Union was late due to my original plan of moving forward with XXXX XXXX. Pacific did not call me or get back to me on the status of my loan. I called them repeatedly and was finally able to get a response from them in XX/XX/XXXX. They denied my refinance due to the late and stated they could not help. My payment has gone down from {$2900.00} to {$2400.00} since i have been paying the escrow deficit. 
I do not understand how a Mortgage company can treat a new home buyer as myself with such lack of care, sympathy, and professionalism. My only option at this point is to sell the very first home i purchased because i can not afford to continue paying over {$2000.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Debt collection (I do not know) with Municipal Collections Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX credit points was brought down because of an account called MCSI Inc. I searched what that was in XXXX and is a debt collector of red lights violation to parking violations. I searched also that I should 've received a letter from them that I owe debt but I did not get any letter. I 'm very confused and frustrated with what 's going on. I have n't been driving for months and I have n't lived in the state of Illinois ( which MCSI is located and has to do with violations in Illinois ) for a year already. I would like to know what 's going on, do some agreements, and get my score back to normal as soon as possible.

Company response to consumer: Closed
Consumer complaint received 02-08-2016 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Rewards

Complaint: In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.

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 04/29/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Transaction issue

Complaint: After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.

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 11/15/2016 about Bank account or service (Checking account) with KEYCORP (IN).
Issue: Deposits and withdrawals

Complaint: Using Key Bank 's online portal, I performed a transfer of funds on XXXX XXXX, originating an ACH debit to XXXX of my checking accounts at another bank. Key ( Originating bank ) received funds on XXXX XXXX ( effective date ), which is the same date Receiving bank removed funds from my other account, but Key Bank still has n't made the funds available to me in the target checking ( as of XXXX XXXX XXXX. This is contrary to their disclosed funds availability disclosure and is an excessive delay for an electronic transaction. The bank has had my funds for over five days and has not made them available to me ( should have been on the effective date ). The branch tried to explain this had something to do with the bank holiday on XXXX XXXX, but that does n't explain why the credit half of this transactions originated on the XXXX does n't post for a full week. Key is always quick to post the debit half when it is the other way around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Vehicle loan) with Leaders Financial Company (NJ).
Issue: Managing the loan or lease

Complaint: I am disputing late payment entries that XXXX XXXX had put on my credit report. It states that I was XXXX-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Hello This company keeps calling saying My husband owe money and we are being sued.   When asked who the company is they said they cover verity of pay day loan. When asked for there address : they hang up, then they called my in-laws. told us they are going to go after his job, his driver licenses.   Their company 's name is  XXXX  there phone number is  XXXX .     I hope someone can get hold of them. Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Medical debt) with Financial Data Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Financial Data Systems Dates : XX/XX/17 {$64.00} XX/XX/2017 {$64.00} I pulled my Credit Report and notice a collection agency called Financial Data System. I have no idea why this company is collecting on a debt from XXXX XXXX who is also not the original clinic I went to for services. I have never been to XXXX XXXX and never signed a HIPPA form with them or and paperwork to validate this debt. I went to XXXX XXXX and signed a HIPPA form with them and did not give them permission to release my personal information or any services I received to this company. I have written all XXXX Credit Bureaus and asked this be removed off my credit report, because it a violation of HIPPA and to provide Validation of something I signed with Financial Data System or XXXX XXXX and the refuse to remove this collection. They always say it has been verified but not validated and never provides proof. I would like this removed of all 3 of my Credit reports.

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 12/18/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.

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 09-07-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank  onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Settlement process and costs

Complaint: I got an offer in the mail from Freedom Mortgage at Freedom Mortgage XXXX Ohio XXXX I applied for an adjustable rate mortgage on my home they sold me on this .Here is the problem they sent a closer to my home to close the loan and he saw that my daughter was living in my home with me and he suggested I put her on the title as she was not on it, Time passed and I needed to refinance and so I began to seek a new loan and they denied me the loans based on my daughter having judgments against her and now she is on the title I live on a fixed income and can not afford the loan now soon the rates will adjust and go up. I blame the person who they sent to close the loan for advising me to put my daughter on the loan. My health is not good and I only make so much money and would have qualified for a reverse mortgage except for this issue and in addition I can not get through to any one at Freedom Mortgage so I hoped to contact you and you can contact them to see how this can be resolved. thank you 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 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have checked my credit report be I notice there is a collection that I have been disputing for a while now and I have not got validation or verify documents that I requested it seems try been ignoring my request under law they are required to vetoed if not deleted from my credit report under section XXXX they need to verified who and when they verified the document

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.

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 12/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Closing/Cancelling account

Complaint: I was approved for a {$300.00} cl with Capitol One in XXXX 2015. In XXXX after spending {$100.00} an abusive ex stole my wallet and charged my Credit {$65.00}. I called Capitol One and explained the situation. They said because my Card and Wallet had been returned i was responsible for it. I also complained to the rep that my {$300.00} credit was actually only {$190.00} but my bill was {$350.00}! {$150.00} of it was yearly fees, membership fees and late fees! I explained a few times i was late because of the theft and I had been hospitalized several times from XXXX for XXXX in XXXX. I explained a few times when calling representatives my dilemmas in paying late and that the whole reason i even got the card was to build my credit not make it worse. So in XXXX the representative said they would enter into a hardship payment plan contract with me. When i got the contract in the mail i could not log into my account because they turned me into collections THE DAY BEFORE I just received the paper work! So now this is on my credit report which took me from a XXXX to {$490.00} for that XXXX little fraudulent collection! I opened the card XXXX 2015, on my credit report it says i was late 6 months then says XXXX and XXXX was ok but was late XXXX and closed XXXX.Thats only 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.

Company response to consumer: Closed with explanation