milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? 
Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. 
Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. 


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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 03/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX We completed a refinance with Wells Fargo. We authorized an ACH debit for our new Mortgage in the amount of {$2100.00} from our XXXX account, monthly. In XX/XX/XXXX we discovered that another mortgage which was not ours in the amount of {$1400.00} was also being deducted from our account and had been for the previous 3 months. We informed Wells Fargo and blocked all ACH transactions from our XXXX account to wells Fargo. After several phone calls Wells Fargo agreed there had been a mistake and transferred the money ( 3 months {$4300.00} ) back into our XXXX account. They also made an additional transfer of {$1400.00} into that account, which we informed them of and have not heard back as to how they would like those funds returned. On XX/XX/XXXX we made a payment in person for our mortgage of {$2100.00} by check from another bank. Written on the check is the mortgage account #, check cleared the same day and posted to our mortgage account. XX/XX/XXXX we again made payment in person, in cash and have the receipt posted to our account on XX/XX/XXXX. Starting XX/XX/XXXX my wife begin getting calls that our Mortgage was late and had not been paid. After going on line to look at our account I find a line dated XX/XX/XXXX " PMT Reversal '' in the amount of {$2100.00}. At this point I have spent about 4 hours calling and waiting for Wells Fargo, who can not seem to explain how a payment was reversed or where it was reversed to. I am deeply frustrated, lack faith in their accounting and feel that blatant theft and wire fraud has occurred. My Mortgage is late, this may affect our credit, and I have all receipts to show payments were made in full on time. Thank you for your attention.

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 12/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: check system put an acct on their file that was taken care of in 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 03/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is 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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.

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 04/22/2015 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft from more than XXXX years ago. Someone tried to open a Wellsfargo Card Services Account in my name which caused an inquiry on my credit report. I have a fraud alert on my credit report stating to not extend credit unless I am contact to approve anyone to view my report. I have disputed this information more than XXXX times and have received XXXX letters asking for information. I have faxed it more than XXXX time and the last representative accepting my personal information over the phone. I received another letter on XXXX XXXX, 2015. I called and spoke with XXXX XXXX, she was very rude and unprofessional and It was discriminating. She would not give me her ID number or connect me with a supervisor. She stated that she did not have an ID number. I was treated unfairly and I have sent them what they needed more than enough times. I want this inquiry removed from my XXXX credit report. It was on XXXX XXXX, 2015. I can be reached at XXXX. Once it it removed I am requesting Wellsfargo to send me something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Struggling to pay mortgage

Complaint: Please be informed that my husband and I have been trying very hard to establish communication with our Home Mortgage Preservation Representative, XXXX XXXX XXXX, XXXX, of Wells Fargo Home Mortgage but it seems all our efforts were in vain. As of this writing, our mortgage has been referred to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX in spite of our several attempts to send proof of timely payments to XXXX XXXX on our HAMP Trial Modification. He stands on his assumption that we missed payments on our mortgage. We sent him excerpts of our Bank Statement but these were ignored by XXXX XXXX. 

Below please find a summary of my communication/correspondence with Wells Fargo through XXXX XXXX XXXX, XXXX. 

Friday, XX/XX/XXXX HAMP Trial Modification Approved Wednesday, XX/XX/XXXX Hamp Trial Modification Approval Rescinded allegedly : missed payments Thursday, XX/XX/XXXX Replied Letter of Denial asking reason why Thursday, XX/XX/XXXX WFHM Preservation Specialist, replied allegedly making phone calls to us regarding late mortgage payments Thursday, XX/XX/XXXX replied Specialist 's email informing him that we are still in the XXXX and no phone calls registered on my cell phone Thursday, XX/XX/XXXX emailed Specialist with proof of payments and sent by our bank ( XXXX XXXX XXXX ) to WFHM Thursday,XX/XX/XXXXSpecialist emailed back for additional proof ( did n't state type of proof needed ) Tuesday, XX/XX/XXXX Letter, dated XX/XX/XXXX, from collection agency XXXX XXXX XXXX XXXX XXXX XXXX, collecting {$260000.00}, received on XX/XX/XXXX Wednesday, XX/XX/XXXX Received a letter from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX stating to help on our mortgage problems Sunday, XX/XX/XXXX sent two emails to XXXX XXXX re Bank Satement as proof of payment Thursday, XX/XX/XXXX sent another email Saturday, XX/XX/XXXX sent another email Thursday,XX/XX/XXXX mailed a letter to XXXX XXXX, Senior VP, XXXX XXXX XXXX  XXXX re : soliciting help I do n't understand why XXXX XXXX sent our case to a collection agency in spite of our efforts to settle the problem ( s ) with him, allegedly for missed payments. This very unethical for a Representative of one of the biggest Mortgage Servicer/Lender in the United States. We are so close of completing the Trial Modification. 

When he rescinded our HAMP Trial Modification on XX/XX/XXXX, or only after one week, on XX/XX/XXXX, he referred our case to a collection agency. 

This in injustice, I hope CFPB could help me. Thanks ...

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 01/20/2017 about Credit reporting () with Omega RMS, LLC (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I received an alert from XXXX XXXX that my XXXX Credit Report has changed. Upon logging on I see that there is a collection for a balance of {$3200.00} with an original balance of {$4000.00} from Omega RMS. This account was added to my credit report with the original creditor XXXX opened on XX/XX/XXXX. I do not or have not opened an account with XXXX and have not received any paper work from anyone in regards to this matter. This account does not belong to me and I want this validated, not verified bearing my signature showing that they have right to place this item on my credit report. I know my rights as a consumer and this company is violating them. I received no dunning notices on this alleged account, and have no idea what this is. I will be disputing through the Credit Reporting agencies as well and expect this item be deleted immediately. I have attached a copy of how this appears on my credit report from XXXX. No account numbers available other than XXXX. There is no supporting evidence that this account is mine and I want it deleted immediately or I shall be filing civil suit against Omega RMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: Three years ago I got a loan through Santander because I did n't have any other choice. The loan 's interest rate is 22 % which should be illegal. I 've paid on time and the payments I 've made have barely made a dent in my loan agreement with them. I 've tried to get refinanced but the vehicle is a 2006 so no other lender will entertain touching it. I 've done the right thing by diligently rebuilding my credit but to what avail. Santander is a company that lacks integrity and should not be in business. I 'm sure there are XXXX of XXXX of individuals in the same boat as myself. This is n't right! So yeah I think a lawsuit should be bought against Santander and any other company that charges ridiculous interest rates. I also want to warn others that sometimes it 's better to not purchase a vehicle especially if you are going to get screwed over by vile sub prime lenders that are allowed to prey on the misfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction issues

Complaint: XXXX/XXXX/17 I transferred {$1300.00} and {$1.00} dollar to my mother through QuickPay service provided by Chase using my smart phone. My mom did not receive {$1300.00} but she did receive {$1.00}. 
XXXX/XXXX/17 I transferred {$400.00} to my mom and she never received the {$400.00}. I have transferred in total of {$1700.00} that she did not receive. My mother received a text from Chase stating that I sent her money through QuickPay and they are processing the transaction. 
XXXX/XXXX/17 at XXXX I filed a claim with Chase over the phone. They let me know that {$1700.00} went to someone else 's account that is not my mother 's. They said I should hear back with an update in 3-5 business days. 
XXXX/XXXX/17 I did not receive any updates from Chase, so I went to the local branch and was notified that the only way to reverse the charges would be for Chase to contact the person who received the fund and ask him to give the money back. In the event that s/he does n't want to give back the funds, I would need to resolve this outside of Chase. 
XXXX/XXXX/17 I was notified over the phone and email that Chase will not reverse the {$1700.00} charges to my account. Chase had determined that the charges were correct. 

I would like to add that I never authorized Chase to transfer my money to a different bank account other than my mothers. In order to send money through Chase QuickPay, I needed to add my mother as a recipient by filling out her email address and phone number ( optional ), which I did both CORRECTLY. Chase explained that someone else must have signed up for Chase QuickPay using my mother 's phone number, and the money was sent to him/her. My mother has had this cell phone for 8 years and never shared it with anyone else. Again, I never authorized Chase to send money to that phone number. I was under the impression that the money would be sent to the account registered with the email address I had provided, and the phone number was only optional. Chase never notified me the the funds would be transferred using just the phone number of the recipient. Chase did not do their due diligence to verify that the person who 's receiving the funds indeed have the phone number that they provided on chase QuickPay

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Balance transfer

Complaint: I have a Banana Republic credit card managed by Synchrony Bank. The interest rate on balances is 24 % and I 'd like to transfer my balance to a no/low interest account. However, the BR card rep is telling me this not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX : Paid my lease as agreed. 
XX/XX/XXXX : Acquired a new car and the dealership took my leased car as part of the transaction. Lost posession of this car. 
XX/XX/XXXX Lexus Financial services cashed the payoff check. 
XX/XX/XXXX received statements. On both occassions, I was told by the Lexus Financial representative not to pay the statements and ignore them. 
I was reported to the Credit Bureau. I have not had a single late payment in 33 years, including XXXX cars I bought from Lexus Financial Services. 
I spoke with the dispute representative which refuses to admit any wrong doing. 
My credit score now will affect by business and my partners as I can not take advantage of a good credit score, being Lexus Financial Services the only responsible account which they refuse to correct. 
I have always paid all my bills on time and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: My personal background information to confirm my identity is inaccurate and wrong causing several problems with my bank access on my accounts. The security questions are placed on me about people I do not know nor familiar. My rental history is inaccurate and out dated. My rental on vehicles is asked instead of my personal vehicle owned. All the security questions asked does not show I am the owner of my own checking accounts thus causing massive problems with my identity to be verified. The problems mounted with incorrect update of my credit report too. The debt shows up repeatedly on my report despite the settlements. I have contacted this agency numerous occasions by phone yet it was never remedied. The dates of problems dates from 2013 to present.

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