milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, 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 09/29/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (KS).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: Netspend completely lock me out of my prepaid card account. I have had a few deposits and refunds sent to the card not knowing I could be revoked access to my prepaid card account and any deposits that where sent to the debit card also.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am currently refinancing my home and consolidating my credit cards and have been shopping the rates among different lenders. My credit scores have been in the XXXX 's or higher for more than 20 years. I still have an activity revolving account from college which I opened 26 years ago. I have had a mortgage for 14 years. The youngest credit card I have is 9 years old. When the lenders checked my credit scores and mailed me the credit score exception aka the risked based pricing notice. Experian and XXXX both furnish blatantly false information which brought my scores down. On the notice which stated key factors affecting your credit score XXXX falsely stated that I had insufficient length of credit history. Experian falsely stated length of revolving account history is too short. This false information has the affect of driving down my scores and allowing these lenders to justify charging higher interest rates and fees. XXXX just has my score at XXXX and stated that I had high balances on revolving accounts. 
I called XXXX and asked a supervisor about the notice I received and the information they have provided. He denied the fact that the information had come from XXXX. I read out loud the credit score notice to him and he again denied that XXXX gave them that information. He said that each lender runs their own credit score modeling reports and uses their own key factors. He then sold me a credit score report for {$10.00} that had my " real factors '' that affect my credit score. I should get it in the mail in 5-7 days  for security purposes. I did a search on the internet and saw the news release that the CFPB had in XXXX 2017 fined XXXX and XXXX  XXXX XXXX for their deceptive marketing of credit score reports to consumers. I filed a dispute with XXXX XXXX and Experian and requested they cancel my order and decided to file a complaint with CFPB.
I still feel trapped because I have already locked my rate the refi my home and I am not sure if I should move forward or wait to until my credit is re-scored. My lowest score was XXXX and most people would be happy with that, but if my true score is higher why should I have to settle at XXXX. It 's really frustrating because the debt I have been carrying really bothers me but I want to get the best deal I can. I hope this helps someone else when dealing with these crooks as know as the credit reporting agencies.

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 10-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with RESIDENTIAL HOME FUNDING CORP. (NJ).
Issue: Application, originator, mortgage broker

Complaint: A letter dated XXXX, XXXX XXXX, indicated that our buyer 's loan was denied because our property was deemed unserviceable through a loan backed by XXXX XXXX. The lender stated that based on documents received from the NJ XXXX Zoning Commission, the property could not be rebuilt to its current footprint if substantially destroyed. We suspected an error was made, as our loan on the property is currently serviced by Fannie Mae. 
We therefore consulted with the NJ XXXX Zoning Commission and obtained additional documentation indicating that the under-writer was incorrect ; a use variance granted when the property was originally zoned in 1985 made the issue around rebuilding not applicable to our residence. We received this information in writing from the NJ XXXX Zoning Commission on XXXX XXXX, which the buyer used as a basis for challenging the decline of the loan. 
A week later, we learned that the under-writer was seeking additional information from the Building Department of the XXXX of XXXX to indicate that the property could be rebuilt to its current density if substantially destroyed. Upon our request, the Mayor of XXXX, as well as XXXX XXXX ( Head of the Department ), consulted with the NJ XXXX Zoning Commission, and the Commission wrote an additional letter explicitly stating that the property is under its jurisdiction and that the property can be rebuilt to its current density if completely destroyed. This letter was forwarded to the under-writer on Friday, XXXX XXXX. 
On Monday, XXXX XXXX, we obtained an email from the under-writer, stating that the condo is still " not warrantable ... per the investor guidelines '' and that decision to decline remains. Our complaint is that we provided the exact documentation that the lender sought -- an explicit statement from the zoning authority that the condo could be rebuilt to its current density if substantially destroyed. The underwriter refuses to overturn the decision -- even with this additional documentation and without any explanation as to why the additional information is not satisfactory for the investor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Closing/Cancelling account

Complaint: Having an account through Synchrony Bank/Synchrony Financial ( formerly GE Capital ) for about one year, one in good standing and with XXXX balance, I received a notice from my credit monitoring service that the account was abruptly closed. My account was closed without any prior notice, warning or request. Upon calling the bank, pleading to speak to someone in the United States, I was eventually told that I was n't using the card enough. This card was barely 12 months old. 

The closure of this account, as with any account closure, immediately and negatively impacts a consumer 's credit score, as it did with mine. The card was still new and even though the parent company advertises that the card 'will be there when you need it ', this was not true at all. The bank 's representative went on to tell me that even the additional XXXX cards I hold with this bank may also be closed, simply because I do not use them enough. I suspect these practices may possibly violate the Fair Credit Protection Act. My consumer credit score has now been damaged by this bank 's action for no reason of my own other than that I was n't using the account. I was told I could reapply for a new card, which would also negatively impact my credit score and likely cost me fees by the bank. The practices of this financial institution appear murky at best, and possibly in violation of Federal laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I tried to open a checking 's account with XXXX Bank, and US Bank in XXXX XXXX, and I was denied a checking 's account with XXXX banks because XXXX is reporting innacurate information to the banks stated above, intervening with my future banking. This matter was cleared in XXXX, should n't be reporting innacurate information to banks under any circumstances. Please clear this matter at your earliest convenience. I have already provided XXXX with a police report from XXXX Police Department regarding this matter.

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 05/14/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a " Settlement Opportunity '' letter from " Credit Collection Services '' for a debt of {$480.00} from  XXXX   XXXX , offering to " Settle your past-due account at a discount ''. My account is up to date with  XXXX  and I do not owe any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NC).
Issue: Credit decision / Underwriting

Complaint: We have gone to our mortgage lender on several occasions trying to get a lower interest rate with no success. We feel that we are victims of predatory lending practices. We need an interest rate that is more aligned to the market rate. Our current rate with Citi is 6.64000 %.

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 09/21/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was originally from Capital One credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through XXXX XXXX. XXXX has now illegally re-aged the debt to appear current even though the debt is old and from capital one charges, that they still have yet to resolve. In addition, capital one did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was paying my Wells Fargo Visa card in full as they had perpetrated fraud on the account. This has previously been reported to the CFPB. I called the phone number on the back of the Wells Fargo Visa card as the amount that was reported on the statement was apparently incorrect as there was an approximate {$42.00} still owed on the card. I explained I was closing the card. Wells Fargo said I could pay directly from my XXXX Bank account. She asked for the account and routing number which I gave her. I checked the Wells Fargo Statement and {$9.00} was owed on the card. I called the number on the back of the card again and spoke with XXXX women. They each explained this charge was interest on the card. I explained the card was paid off and closed. I also requested their explanations of this charge be sent to me in writing. All said this could not be done. The last woman I spoke to, XXXX, finally said the {$9.00} would be waived. I agreed. I checked my XXXX Bank acct on XX/XX/2016 and the {$9.00} had been withdrawn without my agreement. I again called Wells Fargo and was told that Wells Fraud Investigators would contact me. I said to please make note that they should contact me in writing only. Yesterday, I received a phone call from Wells Fargo which I will not return. Also, yesterday I received a letter from Wells Fargo Card Service stating, " thank you for using our telephone payment service ... .. ''. for payment of the {$9.00}. I never gave them permission to once again enter my XXXX BANK ACCOUNT for this amount. THIS PRACTICE IS QUITE FRIGHTENING. I have notified XXXX Bank concerning this fraudulent practice.

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 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I have a recurring debit of {$12.00} that is being withdrawn from my  XXXX    XXXX   XXXX   XXXX   checking account. The debit card servicer is  XXXX .     I am having to submit a claim every time this recurrence hits by checking account ( it has been 5 times already  ). F urther, the bank is having to inactivate the debit card and reissue me another one. This takes up to 2 days.     The bank is saying that I will have to CLOSE MY BANK account and REOPEN another one?? I have travel for work and I will have to resubmit to my employer, a new direct deposit submission ( which will take A MONTH ) for my new direct deposit to be in effect. Further, my employer will have to send PAPER checks to my Corporate office and I will have to physically pick it up. I ca n't do this traveling for work!     I 've had this account sinc e 2006 and n o one at the bank can do anything to stop it. They tell me it 's the  XXXX  company. So I called  XXXX , put in my debit card number AND IT AUTOMATICALLY REDIRECTS ME BACK TO THE BANK!     I CA N'T TAKE THESE INCONVENIENCES ANY MORE!! I 'VE PUT IN CLAIMS 5 TIMES ALREADY, BEEN ASSIGNED  XXXX  NEW DEBIT CARDS IN 4 MONTHS AND NO ONE CAN STOP THIS RECURRING ( UNAUTHORIZED ) CHARGE!! ALL OF THIS FOR A {$12.00} CHARGE THAT I DID N'T AUTHORIZE?? PLEASE HELP!

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 08/16/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied ( XXXX ) to refinance an existing 30yr fixed mortgage to another 30yr fixed with Quicken Loans. The initial process was fine. Upon applying I made it clear that one of my properties was newly purchased and I had only XXXX ownership of the property and had not even met the other owners nor have all the typical paperwork like insurance or property tax bills. At underwriting, the underwriter for my refi loan with QL insisted that I send a copy of the hazard insurance premium. I repeatedly told them I did not have it and all I could do was contact the owner in charge of paying the premium who had that information. I wrote a signed letter explaining the XXXX ownership, what the insurance premium was for the year ( split 8 ways ) and what my monthly costs were for the XXXX ownership. The underwriter did not accept this. Eventually I was able to find out the insurance policy and have the insurance company send me a copy of the premium to forward to QL. During this time ( XXXX ), I was also given a redisclosure document set that showed increased loan costs. The increase reflected an outrageous increase for the property assessment. At this point, I was frustrated with the experience at QL and posted some low scoring reviews on websites regarding QL. My reviews were factually correct. After about two weeks, I received another redisclosure document set that showed increased origination charges and a " condo insurance fee. '' At this point, I believed the increased charges stemmed from my negative reviews. I asked repeatedly to change the increased charges but I was given the run around or told they would while no changes were actually made. The second redisclosure set of documents were deleted from the electronic dashboard of all the loan docs, which I was using as proof they were increasing the loan fees. I have a printed copy, which perhaps they were not counting on. Finally, I asked for my {$500.00} Good Faith Deposit back so we could go our separate ways ( since they insist on keeping the increased fees that should n't have increased ). I was told today ( XXXX ) that they would not return my GFD of {$500.00}. I explained that I HAVE acted in " good faith '' during this process, but they are refusing to take off the increased charges and are acting very shady.

Company response to consumer: Closed with explanation