milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: Citi opened an account XXXX/XXXX/16 using my name, but it was n't me. XXXX alerted me. Citi says to correct the problem, I have to go to a bank branch, but I live in XXXX, and there is no Citi branch in XXXX, XXXX, or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Chase changed my card without my authorization forcing me to lose points and a XXXX travel credit I want them to compensate XXXX point for my timr How can they arbitrarily open my account

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is an update with more documents to show the issues with XXXX XXXX XXXX. Since XX/XX/XXXX when I initiated a complaint against the three CRA 's ; XXXX quickly again changed the account info- but still incorrect. 

The CFPB should instruct the CRA 's to look into their more permanent files along with the more accessible day to day database they use. 

When they do a comparison of the accounts listed, the CRA 's should see that the 3 individual accounts were actually charged off in XXXX/XXXX of XXXX not XXXX. 

The 3 XXXX accounts listed as joint holder should be listed as charge off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I asked front desk if I owed any money and the lady said no. I thought it was free probably because it was an annual physical. I did n't get a bill in mail. I relocated from XXXX, XXXX to XXXX, XXXX few months later and now do n't know how I can pay online. I logged back into the providers website but there was no bill that I could see.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Ban kruptcy Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems du e to the Fair Credit Reporting Agency Privacy Law.   On  XXXX   XXXX ,  2017 , I sent certified letters to the  XXXX , Equifax, and  XXXX  asking for documentation of validation associated with the bankruptcy.   To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :   XXXX   XXXX   XXXX   XXXX   XXXX  , IL  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 non-monetary relief
Consumer complaint received 01/25/2017 about Debt collection (Mortgage) with Brock & Scott, PLLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I attempted several times to make a purchase for {$2500.00}. I had well more than what was needed to make the purchase available. The transaction was declined the first time. I called Wells Fargo and verified the last 10 transactions and confirmed my identity through various checks and was told I could now make the purchase.

I tried to make the purchase again and it was declined. I went through the same process as above and was told I can now make the purchase. This happend 4 times. Finally after being on hold for 25 mins, I was transferred to fraud protection.

Fraud Protection told me, after verifying my identity ( which included a question I accurately answered about a car I owned 25 years ago, what items I was purchasing and why ) that they could not remove the security hold and that I had to go to a branch to make this purchase. They said that I had no history with this merchant. That is patently false as I made a purchase with this merchant as recently as last month. Last month they removed the security setting so that I could make the tranx and then put it back on.

I 've gotten multiple hold on this account almost weekly even for purchases as small as {$50.00}. In this case they would n't remove the security settings. I called back again, verified my identity and was told I could make the purchase. In fact, the purchase still wo n't go through. At this point, I lost the sale, ie. the items are no longer available.

The bottom line, they refuse to let me spend my own money even after verifying my identity to their satisfaction according to their own criteria. I had this account for many years with no problems caused by me ( no over drafts, etc ) and they still have the tighest security on it.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was shocked when I reviewed my credit report and found multiple hard credit inquiries on my report that I did not recognize nor authorized. 

Inquiry : XXXX I never authorized XXXX to pull my credit in the month of XXXX 2017. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of abuse. My only thought is that these are fraudulent inquiries.

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 05/15/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has continued to report the referenced collection account on my credit report, while failing to provide me with proper validation that I request from them in mailed correspondence dated XXXX. This is a flagrant violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VT).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Bank of America HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE bank of America INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 02/13/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have had nothing but frustration with XXXX but on XXXX XXXX, 2016 I attempted to use the online payment system to pay my mortgage. The system said my loan information could not be processed. I contacted XXXX this morning, XXXX XXXX, 2016 via telephone and was informed that as of XXXX XXXX, 2016 my loan has been transferred to Loan Care, LLC. I asked XXXX when and how they notified me of this. They had no record of when the letter was sent, they just claimed they would have sent a letter 30-45 days in advance. I have received absolutely nothing relating to this from either mortgage company. I was given a phone number for Loan Care, LLC but there is no way to speak with a representative to obtain my new account number. Again, absolutely no notice, and no information from EITHER company. I very carefully check my mail and have a locked mailbox. They have no record of the letter that was supposedly sent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Acct has XXXX $ balance please delete from my XXXX and Experian credit reports! You cant collect from a {$0.00} balance

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 03/20/2017 about Credit card () with CITIBANK, N.A. (NV).
Issue: Credit card protection / Debt protection

Complaint: On XXXX I purchased a window from XXXX 's using my Macy 's American Express credit card. 
My window was damaged soon after install. I wanted to use my XXXX credit cards Purchase Protection. 
I contacted Macy 's whom said the card is an Premier Classic XXXX card but only has travel protection. 
All XXXX Premier cards have Purchase Protection. 
This card was issued by Department Stores National Bank ( Citi group/bank ) DSNB. 
I was lied to. 
This is not an XXXX card, and does not have the XXXX Protections. 
I would be open to a class action lawsuit against these companies for deceptive practices and the money I am out of pocket for using their card rather than a Visa XXXX which does have the protections no matter the issuer. 
I am not happy about being deceived into a worthless bank card with an XXXX logo affixed to its front. 
I am not happy with Macy 's for saying its an " Macy 's American Express '' credit card. 
This site shows the advertised premier XXXX card from Macy 's with list of protections : XXXX Protections listed include " PURCHASE PROTECTION '' as this a CO-BRANDED credit card. 
Macy 's is lying, as is DSNB, about its cards and protections. 
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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.

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 02/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Problems when you are unable to pay

Complaint: I entered into a financing contract in XXXX for a Honda Civic XXXX at {$470.00} a month with a % XXXX interest rate. In XXXX I inquired with American Honda about refinancing my original contract because my monthly note and interest rate was too high. American Honda finance was unwilling to work with my request. XXXX XXXX after falling behind payments, my car was repossessed with an unregulated GPS tracking system used by American Honda finance. I contacted my local congressman 's office about subprime lending and predatory lending issues I experienced with American Honda finance and received no help from congressman 's office. Recently, my car was sold at {$10.00}, XXXX in a private sale because I was unable to acquire a secure loan for {$17000.00} to retrieve my car from American Honda repossession lot. After the sale of the car, I now have a car deficiency of {$6900.00}. I am a victim of predatory and discriminatory lending committed by American Honda finance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: part of the amount i try to pay, but haft of that debt i not. because we use calling card to make that call. and they never tell us to that we can`t use.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX, TransUnion, XXXX have allowed computer hackers to access my credit and personal information and allowed hackers to open many accounts and taken all of my money in my accounts.

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 Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to communicate with Wells Fargo regarding the foreclosure of my home and the events of what lead to the default of my mortgage. My husband passed, which was very hard for me and took a toll of many areas in my life, emotionally and financially. Wells Fargo was aware of his XXXX   and also were aware of the fire my home endured as well. Yet instead of offering help and guiding me in the right direction, they acted as though it was too late for anything and had me send in paperwork all just to tell me they can not offer me anything. So many things went wrong and I strongly feel this loan is predatory and am having it currently investigated. Not to mention my interest rate continues to go up and up from 7 % to 11 %. My entire pension was going towards the mortgage which was not feasible. Now as an elderly widow, I am being forced out of my home with no options nor help from Wells Fargo. I have just recently hired an attorney whom I hope can help me resolve this matter and put some fairness into this mess. What burdens me the most is this is not the first I have heard about Wells Fargo behavior, and it is putting more stress on my life.

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 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is the request that i sent to the bank to make the credit correction to my credit report we did a short sale and they are reporting it was a foreclosure I have all docmuntation if you need itXX/XX/XXXX XXXX, XXXX Customer Service, XXXXAttention : Research DepartmentXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan Number : XXXXProperty Address : XXXX XXXX XXXX, CA XXXXBorrowers : XXXX XXXX XXXX, Social Security Number XXXX XXXX XXXX XXXX Social Security Number ***********Dear Madam or Sir, I am writing as the above referenced property closed through a short sale on XXXX XXXX, XXXX have provided a copy of the final HUD for your records. I need to have our credit report updated as quickly as possible, please to reflect that our home was not a foreclosure. Our credit report should reflect that our loan was indeed paid in full for less than the full balance, through a short sale and the date of XX/XX/XXXX 
We are in the process of purchasing a home now and are unable to move forward until this information has been updated. Time is of the essence as we have a non-refundable deposit of {$30000.00} on our new home. 
If there 's anything further you need from us, can you please contact XXXX at XXXX? And are you able to provide me of a fax of your determination?? Our fax number is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have written to professional accounting with no response. I filed a complaint with this company with CFPB. Eventually, I found out the company operate s through another name, XXXX XXXX, however I have not received any response to my request to validate this debt since I am not aware and have never been aware of the debt until recently.

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 09/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: In XXXX Wells Fargo Bank forced closed a checking account that I had kept open since XXXX. There was a {$3000.00} line of credit which would transfer money to keep it open. When the checking was closed without my knowledge for XXXX I went to a branch to have it reopened, and was told no. They promised to open another FREE CHECKING, with free checks and connect the {$3000.00} line of credit free as well. The new checking was not free as promised, nor were the checks. They charged me {$25.00} every time the line of credit advanced $ to the new acct.which was not the way it was before. They told me one lie after another until I finally just gave up. They also, forced me to opened a savings acct. that I I did n't want or need. It took me several months to close the savings and line of 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 09/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My property is a association maintained property which means they do all the maintenance such as cutting the grass and trimming of tress on a timely manner. This happens even when a property is for sale ( such as mine ). As confirmed by en email from the property XXXX there has been cases where a bank sends a company to cut the grass and trim the trees not realizing the property is a association maintained and the company charges the bank even though they dont do any thing ( my case ) I am demanding for Ocwen to refund me {$210.00} that they have charged me ( it is not my problem that the company XXXX is a dishonest company and charged them for the work never done ) .To cover themselves they even took some before and after pictures which is in black and white and you cant see any thing from them. That is not my issue and i need my refund as i paid a fee of {$97.00} a month to association for them to this work which has been done since i bought the property. i will hire an attorney to take legal action if they are not refunding my money now.i have send the email from the association manager with all above information to XXXX office of the consumer ombudsman as well.

Company response to consumer: Closed with explanation