milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (LA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have utilized NetSpend Prepaid Card for approximately 6 years or more. In the time that I have had them, I was sent a NetSpend Premier Card in the mail. The terms for switching to the " new premier card '' as opposed to remaining with the original were supposed to be more flexible. I was supposed to be permitted to overdraw upto XXXX dollars. At occasions in which I truly needed the money, the card was declined numerous times in XXXX and XXXX. That particular cardholder benefit was not provided to me as advertised. Additionally, I was supposed to pay less in monthly fees. I was not assessed less fees. I have maintained direct deposit the entire time that I have been a NetSpend cardholder. While my direct deposit is consistent on specific days of the month, the date at which NetSpend collects the fees is not. It is sporadic and unpredicatable.

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 01/13/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I fear this will be handled the same inept bureacratic way as before. there are a number of issues unresolved please note i am getting a lawyer and have noticed Dept of treasury. if you respond with a bunch of photocopies of previous letters which still do not address the issue i will throw them out. I am enraged. In addition to medical emergency i have just been XXXX. 
i am trying to catch up on payments. and will. Meantime i had requested someone other than XXXX XXXX to work with and this is something i will not give up. XXXX XXXX has yelled at me in the past and has not been professional. I will not do my loan modification with him and i resent trying to be forced. it is wrong. I have rights and so long as you are doing this and refusing it i am being damaged. I am tired of the red tape spinning me out of control and working against our shared stated goals. 
I am in the process of deciding on an attorney. I do not want the bank to be held liable for the stress its causing me and worsening my condition. I want real help not a dumb answer i can not spend my time reading. Other unresolved issues include late fees i will not pay and can not and should not be billed due to this and more, but i need an escrow stmt too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently had my credit report pulled and saw a " Acct in dispute ''  for Citicards CBNA. The c redit report states that the account was closed back in  XXXX - XXXX  and even though I have had many many credit reports pulled since then, this is the first time " Acct in dispute '' has ever shown up.     The remarks on my credit report are : " Closed by Consumer ; acct in dispute ; acct in dispute under fcba/closed by consumer ; paid '' I am not sure what this is for or why it is showing " acct in dispute '' when the account is paid with a {$0.00} balance.     Please help me resolve.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was amazed when I viewed my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.

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 01/14/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (IN).
Issue: Fraud or scam

Complaint: I have been a Rushcard holder since 2009! Recently I had applied for another card so that I can get my tax refund deposited on it. Well I have yet to recieve my card that already has my refund on it. It has been over a month and everytime I call the customer service they first of ca n't speak English and they apologize and cancelled the card that they claimed was sent and then issues out another XXXX card well they OVERNIGHT the card and of course I have never recieved my card nor money and this is my last resort. My husband aplied for a Rushcard after me and he has received XXXX and I have yet to recieve mine. I guess it 's because my card has money on it!!!!!!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: went online to XXXX and it asked me about a loan made in XXXX 2014 that i neither recall or made. i cant get any credit reports form the XXXX major organizations. suspect fraud.

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 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with XXXX XXXX XXXX, I disputed it with them as well, then they " sold '' my account to LVNV Funding, Or Sherman XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: I closed my checking account, savings account, debit card and online banking with Santander Bank in XXXX 2016. In XXXX 2016 they sent a bill payment through my closed account to another bank. The other bank charged me {$15.00} NSF fee due to returned check. I called Santander bank to find out why they sent a bill through a closed account, their response was that my bill payment service was n't closed. They said I had to request it to be closed separately. I said it makes no sense, if I closed all my accounts and online banking, why would bill pay remain open. After speaking a supervisor name XXXX XXXX, she asked me to fax her the letter that showed the other bank charged me {$15.00} which I did few weeks ago. Now I 'm getting a run around. She tells me she ca n't refund the money because I do n't have an open account. Now she 's not returning my phone calls. Every time I call the bank, I have to explain my situation to a new representative. I have left several messages for her but have n't heard back. I find it very deceptive and poor customer service. First they cause me a fee and then they wo n't help resolve the issue or refund the money.

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
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with U.S. BANCORP (NY).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Received a call from a company called XXXX XXXX today on XX/XX/XXXX ( caller was from XXXX, NJ but indicated they had 17 locations around the country ) from a XXXX number. Was given an XXXX number to call them back. Caller and " case manager '', XXXX, is claiming to be a mediator for US Bank ( for an account opened in XX/XX/XXXX, and says closed in XX/XX/XXXX ) and wants to to pay them about {$500.00} on the phone to avoid going to court for fees owed. They will not send me a notice or bill - they told me the next steps would be that I would see them in court. He did tell me my address and last 4 of my social which is worrisome. He also told me I have 30 days to settle with him over the phone. Called US Bank 's fraud department directly - they told me that is not a typical tactic of theirs and immediately told me that this had all the red flags of a phishing scam. 

I had received a call from the same number a few weeks back ( robot call that connected me to a real person ) where a woman asked for my name and social security number - I refused to give it to her, and she told me she would see me court.

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 06-12-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Back in 2011, I paid off my equity Loan with PNC Bank. PNC chose to say this loan was discharged/forgiven. This was not the case. As of today I can still walk into any branch of PNC and the loan amount still shows outstanding on their system.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Sunday XXXX XXXX XXXX a credit manager gained access to my credit report and damaged my XXXX and XXXX score. 

Experian and third parties gained access to my report and changed accounts. 

Experian has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX  3. XXXX XXXX EXPERIAN did not independently validate information contained in furnishers records. 
false delinquencies EXPERIAN, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
EXPERIAN failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
EXPERIAN withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

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 06/16/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Struggling to pay mortgage

Complaint: Currently I have an FHA loan with Nationstar mortgage,  XX/XX/XXXX  I received a HAMP modification I fell behind because I had to replace my roof of my home. I filed for Chapter  XXXX  bankruptcy  XX/XX/XXXX  to keep my home  XX/XX/XXXX  I applied for a Loan modification again I was told I would not qualify until  XX/XX/XXXX  for another modification which would be 2 years from the previous one, It was denied  XX/XX/XXXX  saying I had a previous modification. I applied again and now they are saying I There is a Government Investor and I would not qualify for a modification until  XX/XX/XXXX  now 3 years later, can you please look into this for me I have been trying diligently to get the payment modified now that I can afford it again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: I bought a painting for {$150.00} from XXXX on the internet using my Chase Visa card. Shipping was supposed to be included in the purchase price but, after the purchase, the company wanted to charge me another {$150.00} to ship the painting to me. I tried to put the {$150.00} into dispute on my visa card but Chase Visa ruled in favor of the merchant and told me it was a dispute with the merchant and to contact the merchant directly to resolve it. I contacted the merchant once more. They said they no longer had the painting - it had been resold. I contacted Visa once more to explain that this was now a fraudulent charge on my card. Chase Visa refused to accept this as a fraud and continued to claim it was a dispute with the merchant. As a result I am {$150.00} out of pocket and I have a problem with the goods - I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, we contacted Quicken to find out the possibility of deferring one mortgage payment on our VA loan due to a hardship that we were encountering. We live in XXXX, TX and our air conditioning system stopped working and needed to be replaced. This was going to be a huge burden to our financial situation since my husband is currently unemployed/seeking employment, and we are already stretched beyond too thin. 
Quicken stated they did not defer payments and could not offer assistance. They gave us a list of agencies offered through the VA who might be able to assist, none of which we qualified for. We had also contacted the VA, since we have a VA loan, asking for advice and any assistance. They thought certainly this would be considered a hardship by Quicken and they would provide some type of assistance, e.g. a loan modification, but this was not the case. 
We tried in the months that followed to secure monies for our A/C system, with no success. When the heat started to be too much to bear, we had to make the choice to use our mortgage money to begin the process of replacing the unit. This would cause us to be more than 30 days late on the XXXX mortgage payment. Mind you, we did not miss a payment, we were just late for one month. 
We notified Quicken that this would be happening and again stated our hardship situation. We have since paid the following 4 months within 30 days of the due date and are back on track. 
The sad and shocking part is, Quicken decided to send notice to the credit bureaus that we were over 30 days late that one time. This has caused a black mark on our credit report in the midst of an already challenging financial situation. We did send a letter to Quicken in XXXX XXXX requesting a good will adjustment be made by them. We requested that they simply contact the credit agencies to remove that one black mark from our credit report of a late payment. They refused. I had researched the internet and found that the request of a good will adjustment was a common scenario with success by many companies who are actually trying to help their customers, even just one time. Not Quicken. 
In these days of hardship for so many families, why could they not be willing to do that one simple act of kindness for a customer and veteran who fought for the American dream and is trying hard now to secure it for his own family.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went on line to XXXX XX/XX/2017 to check my credit score, and I noticed it had dropped down, I checked to see why, and I saw a Stellar Recovery ... XXXX, so I called this morning and found out it was a debt for {$270.00} with XXXX, I asked Stellar Recovery if they had a address ... .XXXX..account # XXXX ... .I never in my life lived at that address or had that account #, and I have not been with XXXX no time soon. This does not look good for my credit, I pay my bills on time, never late and I do n't have money to just give away. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have been working with Wells Fargo for possible home retention options in order to avoid foreclosure and remain in my home. After several attempts and even hiring an attorney, I feel defeated. My first submission was denied due to Wells Fargo stating they could not reduce my monthly payment, I think re-applied using my girlfriends income, which double my income at the time, they still would not provide me with options. Finally a 3rd attempt was made which reflected my most recent income, my rental income and proof of ability to pay and yet once again I was denied as they stated they " can not review the file due to the changes of circumstances being the same '' although that is not true, my income is different. I am not asking for a lowered payment, I am simply asking to start making my payments again. I explained my hardship, in 2010 my XXXX son was XXXX XXXX XXXX XXXX XXXX, additionally I then went through a divorce. These too major events impacted my life and was unexpected. I did not intentionally default on my mortgage but things happen and I am grateful to even have the opportunity to be considered for options but feel I have been treated misfairly and not being properly considered for all options to save my home.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.

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