milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Credit card () with WELLS FARGO & COMPANY (ID).
Issue: Overlimit fee

Complaint: In XXXX 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my XXXX payment, my next full billing cycle was XXXX meaning that XXXX was when the automatic payment would take place. In XXXX, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until XXXX. This overdrew the checking account which caused a cash advance/overdraft protection transfer to occur from my Wells Fargo Credit Card. The process to reverse the payment was very time consuming and frustrating and I was told that the credit card department had to reverse all of the interest and fees associated with the overdraft transfers. I contacted someone at credit card and explained the situation and was told that there was nothing they could do since it was n't a bank error ( despite the fact that the ACH claim against the auto payment said otherwise ). I escalated to a supervisor who said they would reverse the charges. She reversed XXXX of the XXXX charges and did not adjust the interest. I contacted the bank again and was told that, again, it was " not eligible for reimbursement. '' I escalated to management again who said the same thing. I finally escalated past that point of contact to another manager who finally agreed to reimburse the overdraft fees. This entire process took over a month to resolve and I was told time and time again that, despite having notes on my bank account AND an approved ACH reversal, that it was entirely my fault.

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 03/31/2016 about Debt collection (Auto) with FC HoldCo LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. 

Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. 

A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. 

I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.

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 12-04-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called Transunion in ref to invalid inquries on my account that I did not authorized that were removed and then the reappeared on my account without notice. I referenced the glitch that they had and was not able to get any assistance because she stated hey were valid. I asked her to provide me proof of the information proving it was valid and she declined to provide.

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 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting my credit inaccurately. They have deleted XXXX of my credit cards from my credit report. The total amount of credit of these XXXX cards is {$3500.00}. This is bringing down my credit score to a XXXX which is considered to be average. XXXX and XXXX have my score above XXXX. They are also falsely reporting my credit utilization ( Transunion is showing 46 %, XXXX is reporting 16 % ) and available credit. I need to have this fixed ASAP. I 've already used their dispute process and have even sent them certified letter asking them to fix this information, but they still have n't. I need the following XXXX credit cards added back to my Transunion credit report : XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$1500.00} - XXXX XXXX XXXX - Credit Limit {$500.00} - XXXX I 've also attached my XXXX credit report as this is correct and should be used as a guide for Transunion. I 've already sent it to Tranunion in my certified letter package. 

Please see attached documents for my case.

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I was reviewing a copy of my credit report after the equifax breach for accuracies. Noticed an account I did not recognize. I felt this account was in error so I wrote the company, attached is the response letter they sent to me. In the letter I attached a copy of my social security, id, and copy of my credit file. Per the letter the company was unable to locate my information and advised me to contact the reporting agencies to get the matter resolved. I contacted the agencies and they were unwilling to cooperate with my request even after i uploaded the letter online for them so they could view this letter. I have done everything in my power to follow the correct procedures to get this matter resolved, and yet as I type this the incorrect account continues to remain on my credit report. Thank you for taking your time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a Loan No. XXXX with XXXX. ( See " First Attachment ). To secure repayment, the XXXX executed a Mortgage Loan No. XXXX with XXXX ( " XXXX '' ) as nominee for XXXX, which was recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX. ( See " Second Attachment '' ). Shortly thereafter in XXXX, XXXX claims and states that it sold its Loan No. XXXX to Countrywide Home Loans , Inc. ( hereinafter " CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC. '' ). ( See " Third Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states in a XXXX XXXX, XXXX " NOTICE OF INTENT TO ACCELERATE '', that Conduit Loan Account No. XXXX between the XXXX and unknown investors is in serious default. ( see " Fourth Attachment '' ). CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., states that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of XXXX as Document Number XXXX, BANK OF AMERICA , N.A . FDIC NO. XXXX is now the mortgagee of record for XXXX Loan No. XXXX. ( see " Fifth Attachment '' ). A Notice date of XXXX XXXX, XXXX, CWHL, D/B/A BANK OF AMERICA HOME LOANS, INC., shipped to the XXXX a " NOTICE OF ASSIGNMENT, SALE, OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN ''. ( see " Sixth Attachment '' ). On page XXXX, number XXXX, reads the origination date of XXXX XXXX Account XXXX. XXXX between the XXXX and unknown investors was on XXXX XXXX, XXXX. On page XXXX, numbers XXXX and XXXX, also states that the XXXX XXXX Account XXXX. XXXX was transferred on XXXX XXXX, XXXX, to a New Creditor : BOFA MERRILL LYNCH ASSET HOLDINGS, INC. ( see " Fifth Attachment '' ). Since XX/XX/XXXX, for over two years, BANK OF AMERICA , N.A . FDIC NO. XXXX has been attempting to seize and steal the XXXX House and Property.

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 06/29/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: I have a credit card through best buy with citi bank. I am setup on their website with auto pay as I am with all of my bills which I pay online. XXXX 2015 I changed banks and I updated all of my online accounts including citi bank 's. I received a phone call earlier this month stating that I was past due on my best buy account through citi bank. I explained to the customer service that this could not be possible as I am set up with auto pay. The agent explained the auto pay must not have been working properly and it might not have saved my updated banking information online when i added it. I was penalized and hit with late fee 's and it was also reported to all XXXX credit bureaus. I spoke with the bank and they apologized for the inconvenience and reversed the late fees. However I wanted them to correct the negative mark on my credit reports. In my XXXX of having this credit card I have never been late. I am very disappointed that I was not contacted and advised sooner about the auto pay not being processed. Instead the bank contacted me way after the fact and reported a late payment which was not my fault. Citi bank 's website is known to not work properly and I feel the consumer should not be punished for it. This mark will stay on my report for XXXX yrs because of a system issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Credit card () with DISCOVER BANK (OH).
Issue: Closing/Cancelling account

Complaint: I received a Discover card in the mail in XX/XX/XXXX that arrived ready to be activated, on an account I officially closed in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (Payroll card) with Comerica (NC).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed

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 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This item was disputed with TransUnion. I received a letter from them on XXXX/XXXX/2016, stating that the investigation was complete and that this collection was no longer on my file. I had applied for a loan on XXXX/XXXX/2016 and received a very high interest rate on my new loan. I asked my lender why the rate was so high and they stated that there was an open collection on my TransUnion account that was affecting my new interest rate. So I obtained my report on XXXX/XXXX/2016 and it still shows the collection that they stated ( on XXXX/XXXX/2016 ) was no longer on my file. I want this removed!!!

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 02/17/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: What is going on? American Express told me my accounts will be reopened after payment. They closed my accounts down for financial review during the most difficult time of my parents XXXX. Then I was told if I make the payments in full for the Charge cards my cards would be reopened. After now a couple weeks it has yet to have a status change. Please reopen my cards as I had responsible timely payments in full for 5 years+ with American Express and I feel I am being bullied into submission here.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

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 monetary relief
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with Exeter. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.

Company response to consumer: Closed with explanation