milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: Wells Fargo, where I 've held a business acct for 12 years, is holding {$1000.00} of XXXX of my deposits made on XXXX XXXX, XXXX until XXXX XXXX XXXX. 
The original check was for {$6000.00}. They released {$5000.00} after 2 days but will hold the remaining {$1000.00} for 2 weeks. I asked why and was told " Oh there are many various reasons like where the check came from, the amount of the check, any problems with the account, etc '' I have had this same client for 12 years and have deposited his checks at Wells Fargo for 12 years. Why, now, are they holding {$1000.00} of a deposit for 2 weeks. My client told me the bank already withdrew his money from his account. How do they have the right to give me NO DEFINITIVE ANSER? The girl at the bank shrugged her shoulders and said " Sorry for the inconvenience ''. I do n't believe it. They already have a history of using depositor 's money to open fraudulent credit cards. They refused to release the funds even though they already have the money taken from the bank that issued the deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, I and my ex-husband applied for a refinance & HELOC from Beneficial. The loans were granted. My ex-husband passed away XXXX XXXX. At this time I contacted a lawyer to determine my options for having my husband removed from the title to the property and mortgage. Lawyer took care of having husband removed from the title. I recently attempted to apply for refinance to remove him from the mortgage and take cash out. I learned through an attempt to refinance I was unable to refinance the property due to there is no deed from XXXX found indicating my interest in the property. The only deed filed with the XXXX County Illinois Recorder was in XXXX with the original purchase of the home in which my ex-husband was the only one listed on the deed. Beneficial did file a mortgage on XXXX, XXXX on the property. I am just outraged at this point that I took out a loan on my home, yet it was never deeded in my name as one of the rightful owners. Now I am being denied the ability to refinance at this time because I can not show that I was the rightful owner of this property prior to XXXX/XXXX/XXXX when my children quit claimed their fathers interest to me. I am just sick of this company and the way this company misleads and XXXX over customers. I am technically being forced to remain with this company because I can not secure financing with another reputable company because I have to wait anywhere from 6 - 12months to refinance, because the property I have owned for over 20 years and paying on for over 20years is considered inheritance since it was just quit claimed to me XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Deposits and withdrawals

Complaint: I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was offered a XXXX XXXX " Gold ' Credit Card back in XXXX of XXXX. As a part of the promotion, XXXX was to issue 60 thousand bonus miles after I spent {$1500.00} ( within 3 months of issuance. ) I have met all requirements on the month of XXXX. While I expected bonus miles to be credited to my account at the end of XXXX, XXXX representative whom I have spoken notified me that it usually takes 4 to 6 weeks. So I waited until the end of XXXX and reached back at XXXX as I have not received it. I was told to wait another 4 weeks. After not seeing the bonus miles in my XXXX statement, I reached out to XXXX once again, only to be told that there is a technical issue and I must wait 6 more weeks. On XXXX XXXX, I was " in writing '' informed that bonus miles would hit my account as of XX/XX/XXXX. And once again I have not received them. So I called on XX/XX/XXXX, where I was told by the rep. that she was manually overriding the system and I would have my miles within 24 hours, as well as an additional 2 thousand for my troubles. 
And of course I once again did not receive them so I reached back and I was told to wait for 2 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Credit determination

Complaint: I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Vantage Sourcing, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Alliance Data Card Services (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My brother XXXX is listed under my reported names. Please advise that every time he applies for a credit, the hard inquery is saved under my credit report. We have different social security numbers. Let me know if more information is needed

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, On XXXX XXXX, 2015 I was informed by Nationstar mortgage that I had been denied a loan modification due to " excessive forbearance ''. When I reviewed my loan modification documents with my dedicated loan specialist, the rental income I reported on my Request for Modification ( RMA ) was missing from the calculations for the gross monthly income without any explanation whatsoever as to why all - or some of it - was not included in the NPV calculations. If they - Nationstar - can not do simple math to compute my gross monthly earnings, is it any wonder that I am being seen as having " excessive forbearance '' ..? 
This gross incompetence follows several months of very poor service from Nationstar regarding my application for a loan modification. Service deficiencies have included - among other problems - lost documents, repeated requests for documents or information which was already in the file, and failure to return phone calls in a timely fashion. 
As of the date of this letter, I have not received any correspondence from Nationstar to back up this assertion of " excessive forbearance '', including the NPV. I am appealing this bad decision - please see attached correspondence - and would appreciate any help you can give me to get me the help I may be entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland funding is reporting a collection for an account ( Account number XXXX ) that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing disputes

Complaint: I owed XXXX to American Express. On XX/XX/2015 I wired XXXX to settle the account. the law firm accepted the settlement and forwarded the funds to American Express. The payment posted and a few days later Amex sent me a bill for XXXX due XX/XX/2015. Their online system still reports that I currently owe them XXXX and that amount is reporting to all XXXX credit bureaus. I have disputed with all three and Amex confirmed to them I still owe the money. I have called Amex multiple times and every time a get a different answer. They said the account has been settled but their system wont show it for 60 days? Am I going to get a late payment reported to my credit report on XX/XX/XXXX? How come I was sent a bill and why is it reporting to the credit bureau incorrectly? I have a job renewal that requires a credit report and I was told to have this account settled, which i did, but can not prove it. The letter from the attorney XXXX office is not complying with what Amex is telling the credit bureau when i dispute it? this is a huge problem for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Kross, Lieberman & Stone, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with Ashton & Weinberg, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My credit report is showing an account in collections that was opened on XXXX XXXX, 2013. The company name is Jefferson Capital Systems. I have never received any documentation or telephone calls from this company. I submitted a dispute to XXXX and I have yet to receive any documentation regarding the origination of this debt that is in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Western-Shamrock Corporation (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Was sent a letter in XXXX dated XX/XX/2017. Stated that my account was referred to branch manager for legal review. That they expected me to pay within 10 days of that date. Otherwise could result in direct garnishment plus legal fees. Please don't make legal handling necessary. I am on XXXX receive $ XXXX  month. This was a scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.

Company response to consumer: Closed with explanation