milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: While viewing my credit report I have a few hard inquires from when I applied for a mortgage starting in XX/XX/XXXX. I thought applying for a mortgage within a few months was counted as only one hard inquiry. 

XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XX/XX/XXXX All XXXX of these hard inquiries are for a mortgage I closed on XX/XX/XXXX with XXXXXXXX XXXX These hard inquires appear on all reporting agencies on my and my wife 's credit reports Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Other mortgage) with Consumer Real Estate Finance Co. (FL).
Issue: Application, originator, mortgage broker

Complaint: I contacted Consumer Real Estate Finance Co about obtaining a USDA loan to purchase a home. I was told I qualified and we started the process. I signed a contract on a house on XXXX XXXX, 2015. Since that time we have not closed, I have spent {$1800.00} for deposits, appraisals, inspections, etc and the mortgage company has not given us any closing date. We have had to extend the contract date XXXX and my latest expiration is XXXX XXXX. As of today my file still has not moved out of Underwriting and the mortgage company is not returning my phone calls or emails. They are also not returning my real estate agents calls or emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are trying to request a short sale with Citi and they have not responded in over a month. All the requested items have been provided ( XXXX ) and we have an offer that meets the VA short sale required XXXX. I have been experiencing issues with Citi and their delayed responses.

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 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Greetings, I am writing to complain about Chase Bank continuing to proce ss Amazon.com Visa signature  credit card applications and continues to make hard credit inquiries (  XXXX   XXXX ,  XXXX  ).   I DID NOT AUTHORIZE THIS APPLICATION, VERIFY INFORMATION OR A REQUEST FOR A HARD CREDIT INQUIRY.     Chase bank has also failed to remove hard credit checks to my credit report, as per their written statements to CFPB Case number :  XXXX  dated  XXXX  " C hase Bank USA, N.A. s aid : We mailed you the enclosed letter dated  XXXX   XXXX ,  XXXX , advising you the previous applications were marked as " Fraudulent. '' The most recent application was submitted on  XXXX   XXXX ,  XXXX , using information that verified to you. The application was not immediately approved and we sent the letter dated  XXXX   XXXX ,  XXXX , to verify if the application was submitted by you. You notified us the application was not submitted by you on  XXXX   XXXX ,  XXXX . We 've marked the application as " Fraudulent. '' We have again asked the credit-reporting agencies to remove the credit inquiry from your credit report. Allow sufficient time for the updates, and then request a new copy of your credit report. ".      One would have thought after numerous phone calls, letters, and two  formal complaints to the CFPB, Chase Bank would have figured out I do n't want their credit card.   CFPB case #  XXXX  CFPB case #  XXXX  One would be wrong.     To resolve this matter, Chase Bank needs to :   1. Provide written proof I applied for the credit card.
2. Mark the credit card application as fraudulent.
3. Remove ALL hard credit inquires from my credit report, as per their written statement to the CFPB.
4. Explain in writing why on Earth   Chase Bank would continue to even consider approving a credit card application or make hard credit checks after two formal complaint to CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: APR or interest rate

Complaint: I was deceived about a promotional rate via chat with Citibank. I was told the promotion for purchases was already available on my account and no other action was required. I have now received my first statement and I was charged at the standard APR. When I called I did n't get any resolution. I spoke with several managers who advised the rate did n't even exist. I explained numerous times that I had printed the chat transcripts and I needed them to be pulled as proof that I was offered the promotion. I was also told chat agents are not authorized to provide promos that consumers must call to have offers activated. I feel like Citibank is using unfair and deceptive practices to entice consumers to use their card under false pretenses. I was never offer any resolution to my issue after to speaking to XXXX manager in a total of 2 hours. When I asked managers to pull the transcripts I was told I do n't work in chats so I do n't know if we even save those. I wonder how many other consumers were blatantly lied to and never even bothered to look at their statement cause they trusted their creditor. Also the Citibank website makes it very difficult to view statements if your enrolled in paperless statements and I 'm wondering if this is a strategic move to continue such abusive and deceptive practices.

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 04/25/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Wrong amount charged or received

Complaint: I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing 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 monetary relief
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FirstKey Holdings, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This is a private label servicing situation where XXXX is doing the servicing 'work ' but it 's being branded as FirstKey .... 

Short Sale Package was submitted XXXX/XXXX/16. We have not received any communication whatsoever from the negotiator. We can not get a straight answer from anyone in the company. Every phone call we are told a different story. We were told on XX/XX/XXXX that the file was marked complete and moved to a negotiator - XXXX XXXX. Now today, XX/XX/XXXX, we were told it was only sent to the negotiator for 'initial review ' on XX/XX/XXXX and not deemed 'complete ' until XX/XX/XXXX, therefore the 30 day time-frames start over again from XX/XX/XXXX. They are playing games with the '30-day ' timeframe guidelines and they are lying to us on every call we make to them. They are refusing to call us back. When we call them they are very rude and dismissive. It is very apparent to me that they are trying to cover up for the negotiator not working the file since it was submitted XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''

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 01/18/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wakefield is claiming that I received medical attention in 2012 in XXXX, TX. I believe they have confused me with someone else.

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 10/13/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Olde City Financial Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX, XXXX, XXXX, XXXX, and Olde set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.

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 09/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Other

Complaint: There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

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 04/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Time and time again I told Wellsfargo that I do not wish to Opt into their overdraft protection plan, but yet and still I am being charged overdraft fees. As I call and tell them that I have never opt in they say I see that but still I have been charged over {$500.00} in overdraft fees. For XX/XX/XXXX I was charged {$980.00} and in XX/XX/XXXX thus far I was charged {$280.00} in overdraft fees, in which I opted out of.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2015 about Debt collection (Credit card) with Lloyd & McDaniel, PLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter of a debt owed to Lloyd & McDaniel. so I called to see what was the best route to go to repay the debt ( that I 'm still not a hundred percent sure how I got it ). We agreed that I would pay hundred dollars on the XXXX of each month until the total amount was paid. After making the first payment I got a call from human resource at my job about a garnishment from this same company. Thinking there was a mistake I called Lloyd & McDaniel the debt collector to clear the issue up. After being called a liar for fifteen minutes and being reminded that all calls are recorded which I found funny because if they listen to the previous call it would have cleared up this whole situation so I decided to end the call and try back later. I woke up to today to see my bank account had a XXXX balance, so thinking there was a banking error a called them and I found out the company in question was no other than Lloyd & McDaniel. So pretty much they lied to me to get my bank information and withdrew all my funds. It sad because I was going to pay a debt that I 'm still not a hundred percent sure about to keep my credit score high but instead got hustled by a company with no morals.

Company response to consumer: Closed
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient said I owed money when my son was still enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: 1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Problems caused by my funds being low

Complaint: Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.

Company response to consumer: Closed with explanation