milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: X/X/2017 {$390.00} charged to my BofA account by unknown merchant with " signature not required ''. This fraudulent item cleared through XXXX XXXX XXXX X/X/2017 Item showed up in my account reconciliation. I advised BofA who credited my account on  XXXX with {$390.00}. XXXX dept. told me that this item appeared to be part of a well-known scheme. 

XX/XX/2017 BofA unexpectedly debited my acct for {$390.00}. I called BofA and found that the XXXX dept. said that I had not submitted returned an inquiry from them. I had never seen the inquiry. BofA emailed me a copy of the inquiry - which essentially asked me if I had further info about the fraud. I returned their form ; per tracking, BofA received the information I provided [ I did n't have any helpful information ]. Approx. XX/XX/2017, I called BofA to confirm receipt. I was told that nothing more would happen until the " bank of first deposit '' [ XXXX XXXX XXXX ] responded to BofA 's inquiry [ on behalf of myself and hundreds [ thousands? ] of other people who suffered the {$390.00} scam. XXXX XXXX XXXX had approx. 45 days to respond ; the cut-off date given to me was XX/XX/XXXX. 

XX/XX/2017 I called BofA because they did not credit my account on XX/XX/17. BofAs check XXXX group now says that the money may never be credited because XXXX XXXX XXXX did not respond to BofA 's inquiry in timely manner. If BofA gets a response and restitution in the future, BofA will credit my account. The XXXX group says that they have no more Info to provide me. I attempted to contact XXXX XXXX XXXX but could not reach a " human '' because I 'm not a depositor there. 

A copy of the fraudulent item is available on request.

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 08-10-2017 about Debt collection (I do not know) with Tri-State Adjustments, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A Rep from Tri State Adjustments , Inc. repeatedly leaves messages for me for some unknown debtor. They call several times per day.

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 Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Sold my home via short sale on XXXX/XXXX/15. Mortgage servicer received and acknowledged payment on same date. Mortgage servicer did not post payment and show account as paid in full until XXXX XXXX, 2015. This action causes undue and unnecessary tax consequences to me. XXXX was sent and acknowledged and the request to correct was denied ( see attachment ) Mortgage company 's request for HAFA and HUD-1 was unnecessarily duplicative and presented only to delay the closure of the loan. Please correct the day of the paid in full date to reflect XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with First Data Corporation (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My deceased wife passed away in 2011. I then found out I was a victim of identity theft. I went to the police and was cleared of all the fraudulent activity as well as criminal activity. I went to court when the banks were claiming that I might have used an alias and proved that I did not. TeleCheck is breaking the law by reporting information from a bank that is reporting to TeleCheck an account that 's already been proven by the police to be fraud and not belonging to me. When TeleCheck refused two remove this reporting hi then had my attorney send a letter to them. TeleCheck said that they could not discuss this with my attorney without a power of attorney even though that I gave permission for the attorney to talk to Telecheck to Telecheck in writing and on the phone. TeleCheck is breaking the law and trying to say that because the bank is reporting it to them they have a right to report it even though I prove to Telecheck that it was fraudulent. I 've given TeleCheck all four parts of 605b of the Fair Credit Reporting Act to show that they should remove that reporting of that fraudulent account. TeleCheck is acting Above the Law and claiming their policies overwrite the law and give them or right to break the law. My claim to them is that they have to follow the law and their policies have to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction issues

Complaint: My transaction was decline not only by western union. also I tried XXXX, XXXX, XXXX and all decline my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received letter XXXX XXXX XXXX. Attempting go collect a debt dated XXXX XXXX, 2017 from XXXX XXXX XXXX, who is attempting to collect a debt for XXXX XXXX XXXX. First I never received any correspondence from XXXX XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or express permission court or competent jurisdiction, a debt collector may not communicate with a consumer in collection of any debt. I havent given either company the above written consent to contact me in collection of any alleged debt. Further more my name is XXXX XXXX the company has XXXX XXXX XXXX. I have no known relationship with these companies, XXXX XXXX or XXXX XXXX XXXX and I am un aware on how they may have obtained my information without my knowledge or consent. I have sent a letter disputing the validity of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX wanted to bill me full month dues oXXXX XXXX  for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On  XXXX   XXXX ,    2017  I submitted letters to Experian requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.     Experian addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have been paying an interest rate of 22.99 APR for purchases which should be charged at 14.99 APR.  Spoke to XXXX at Ohio Customer service her Supervisor XXXX and then to XXXX of Discover Support Team of which none would understand since there records does not show any cash advance since it only go back seven years. The interest rate of 14.99 is being charge to a balance of XXXX which amounts to a charge of XXXX cents. The Cash Advance subject to the 22.99 APR is XXXX interest charge of XXXX monthly. 
I have never requested a cash advance of XXXX my last statement shows I have a cash advance limit of XXXX of which XXXX is still available it seems like discover is charging interest rates and adding them to cash advance to be charge a even hire rate. they seem to single out elderly, women, and minorities. I need your help urgently. statement balance is from XX/XX/XXXX and I spoke to above mentioned Discover Reps on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a collection agency is attempting to collect a non existent debt and is constantly calling me

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Auto debt) with Capital Management Services, LP (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My husband filed identity theft forms with the Federal Trade Commission because we were notified of an unauthorized account from XXXX XXXX, who sold the account to Capital Management Services , LP and is demanding payment for a delinquent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Other

Complaint: I have requested XXXX XXXX to run a credit report to conduct potential refinancing of my home mortgage. They ran that inquiry on XXXX/XXXX/16. That inquiry showed XXXX other inquiries, XXXX from a XXXX source on XXXX/XXXX/16 and another from a CBNA on XXXX/XXXX/16. I did not request and am not aware on a request by me for either of these XXXX inquires. I want them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KS).
Issue: Loan modification,collection,foreclosure

Complaint: ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This Georgia State Tax Lien should be removed from my credit report. It was paid and was reported as a lien in error. I contacted XXXX XXXX and they stated to me that it was up to the credit reporting agency to remove. 

This Georgia State tax Lien should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with GUILD MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hello my name is XXXX XXXX XXXX XXXX I contact you because and my credit report show wrong information personal because I star building my credit whit my Number of identification Regulary is confused whit information my father name is XXXX XXXX XXXX the confused is because I 'm used regularly XXXX XXXX name whit see at confused used at XXXX XXXX XXXX the wrong is and the birthday show at my father date and something information for inquiry is some for my dad and show me information wrong

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: PNC banking institution used questionable tactics over customer service telephone services in order to mislead me into believing that a fee would be removed/waived. They never provided preventive resolutions on the issue until I filed an internal complaint and was futher escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Struggling to pay mortgage

Complaint: CHASE BANK, NEVER ALLOWED ME TO MODIFY MY MORTGAGE. 

I TRIED OVER 6 TIMES, THEY LOSSED PAPER WORK ETC. 

NO MATTER WHAT THEY SAY, THEY WILL JUSTIFY, THAT THEY FOLLOWED ALL THE RULES, AND COMPLIED WITH ALL THE LAWS, BUT THEY LIE. 

OVER 12 CHASE BANK EXECUTIVES HAVE COMMITTED XXXX BECAUSE OF CHASE BANK ACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Vehicle loan) with SUNTRUST BANKS, INC. (SC).
Issue: Taking out the loan or lease

Complaint: I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with DISCOVER BANK (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On   XXXX   XXXX   XXXX   XXXX  , notification  ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on  XXXX / XXXX / XXXX  to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to   XXXX   XXXX  /month.     Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in    XXXX   XXXX   XXXX  ,  and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit report it has an address listed that I have never lived nor have I ever been to that state. And another case where I have a misdemeanor under my name. My wallet was stolen from me in 2007, please give me some advice as to how can I remove this from my report.

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 08-08-2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2016 I applied for a Home Mortgage at my Local Credit Union, my credit score exceeded the XXXX score but FHA would not even attempt the loan until a judgment ( which I had no knowledge ) was satisfied with Wells Fargo Bank, even though I disputed this judgment to speed up the process I decided to just pay it and move on. Through 3 days of phone calls including Wells Fargo 's Attorney whom filed this, and the court ( XXXX Judicial in XXXX Utah ) to figure out whom to pay, they both told me the only way to satisfy this judgment is to pay Wells Fargo, I went again to the phones and Wells Fargo would not take my money or even give me a name or number to contact, I with drew my offer on the home and basically gave up, I have a small farm, I have many animals counting on me, I also have a XXXX daughter living with me, so this home and property were very important to me. Last week, the First week in XXXX I decided to try again, by know our situation is pretty desperate, one can not find a small farm to lease or rent, its impossible. Again the Judgment showed on the credit report, I contacted all the same names and numbers from Wells Fargo Bank, Their Attorneys ( XXXX and XXXX in XXXX ) and the Court, I am back to where I was in XXXX. I finally walked into a local Wells Fargo XXXX in XXXX, Utah. XXXX XXXX was the banker I met with and she was very kind and helpful, she took a day or two working on my issue, called me back and was as frustrated as I was. She must have had some luck because within a couple days I got a call from Wells Fargo, they explained I was dealing with the highest level possible, the # was XXXX. They assigned me a Rep, XXXX XXXX. He explained it will take up to 10 business days and would not guaranty they would fix the problem, well after 5 days XXXX XXXX I lose my option on another small farm I put some earnest money on the first of XXXX. Even at the management level they were either unwilling or unable to help me, There are considerable mistakes, wrong address, basic math errors, and other issues with the Judgment, even after all that I was willing to pay it, Wells Fargo will not take my payment or dismiss this judgment or whatever, therefore they have hurt my chances at home buying twice, filed a judgment which has teared my credit apart, my emotional stress has been off the charts, and I am at my whits end of what to do, and they will offer no solutions, they should have been willing to help this along, it makes fairness stand on its end. I am hoping you folks can help me ASAP. Thank you so much, XXXX XXXX ( 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 03/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Information stopped showing up or being delivered to my mailing address, I found it is being sent to an old address with my private information and loan information. I can not get a live person from Navient on the phone to correct the issue or to even be able to pay them/set up a payment plan.

Company response to consumer: Closed with explanation