milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Made several attempts to pay mortgage via phone payment using my checking and routing information. M & T representatives recorded and processed the information. I received no information about a payment not going through. I checked with by other bank to be sure the payment was withdrawn and it was not. I again made the same attempt with the same results. I was on hold with customer service to try and resolve the issue for approx 1 hr before terminating the call. I spoke with customer service later on and the only thing they were concerned with was if the residence was occupied or not. I have been victimized repeatedly by m & t in the past and charged over XXXX in fees because they do not post deposits and debits in a timely manner. In addition they want me to pay late fees and I assume will report to credit agencies for being delinquent on a mortgage that they would n't accept payment for. I spoke with my current bank and confirmed all the checking and routing information was correct for which it was. M & T is claiming I Gave them invalid account information. The emails I received from them contradict that claim.

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 04/15/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Rewards

Complaint: I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.

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 07/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This complaint is against Trans Union. 
I have contact Trans Union in number of occasions of an abnormality with my credit report. 
I am enrolled with a credit monitoring with TransUnion, named " True Credit. '' Whenever there is a change, new account, major derogatory listed, account information posted on my credit report. I will get a notification. When I opened several new accounts in the past, for whatever reason - they will never show up on my TransUnion credit report - however I will get a notification that it did. So, a few months ago, I requested my credit report from TransUnion and a huge envelope arrived - with XXXX credit 'profiles ' attached to my social security number. I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting TransUnion to fix this - however, I will get the same automated response by them sending me a new report with no new information updated. Additionally, I have attached my reports with the " You have been on our files since : '' circled XXXX/XXXX/XXXX - I was a minor at the time, XXXX years old! 
XXXX/XXXX/XXXX XXXX/XXXX/XXXX Each report has its own information. 
This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. I would like to add, whenever creditors pull my credit report - it appears to them that I have filed bankruptcy, which is not true. I believe that Trans Union has committed and violated federal laws - and concealing what is actually on 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 10-11-2017 about Payday loan, title loan, or personal loan (Installment loan) with ACIMA CREDIT, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I walked in to XXXX XXXX XXXX XXXX and picked out a coach, two dresser and a sectional which came to {$1500.00}. I was offered a sale price because the business was closing and told that with {$40.00} down I could setup delivery for the items and make installments for XXXX until the balance was paid through a company they used for financing called XXXX XXXX. I paid the XXXX dollars and applied on line at the store. I was approved for much higher then I needed but only purchased the items I picked out. I received an email to approve the transaction of XXXX bi weekly and was asked for my bank account information. apparently there was a 90 days same as cash option that they interest rates would have cost me an extra XXXX dollars after that and continuing to make the bi -weekly payment it would cost me another 1500 dollars plus. I contacted the company about a week ago to say Zi should have paid this off a long time ago and they told me there was no credit that the exact amount I had paid prior to my inquiring about the over charge was all of a sudden the exact amount I owed once you add the XXXX dollars I paid originally. The company was XXXX XXXX and they change there name to Acima. There was no message sent to me about the hike after the 90 days. I asked for proof by way of signed docs that I was aware of the hike and Acima sent my a non digital stamp pdf format made up signature that was not handwritten or date stamp for when you do an electronic signature. The correspondence emails and statement of accounts are attached. This was definitely a scam from the store sales person to the finance company. I paid for the furniture twice and gave a tip.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Fraud or scam

Complaint: I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Payday loan) with High Point Asset Inc (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MI).
Issue: Managing, opening, or closing account

Complaint: UniRush owns RushCard prepaid and on XXXX XXXX, 2015 RushCard was suppose to do maintenance to their website which was suppose to be completed by XXXX then it was XXXX. When I spoke to someone on XX/XX/2015 they claim the problem would be fixed in a few hours once I told them I was n't able to load money on my card. When I called again on XX/XX/2015 and told the representative RushCard had locked my card the representative kept having me put in my information on my online account to the point RushCard had put my account on hold. As of Wednesday XXXX XXXX, 2015 RushCard has Deactivated XXXX if not XXXX of it 's customers cards, locked their accounts, and stolen our funds. Now XXXX hours later customers still have no access to their cards, their money, and when you call RushCard their representatives have such bad broken English, they do n't comprehend English, and they ca n't assist customers. Like many other customers I have to pay bills among other things. At this point customers believe RushCard has stolen everyone 's money and continue to lie about it being an update. I 've never seen any company take XXXX hours to do a system update. UniRush needs to be investigated because they 're holdong customer 's money hostage and do n't give a XXXX what anyone has to do. When you call the UniRush Corporate phone number they never answer and when you call the RushCard customer service number you 're on hold for an hour then you get someone on the phone who ca n't assist you because they ca n't speak English properly. 

RushCard first locked my card then they deactivated my card with my money on it and they 've done this to XXXX of other customers as well of their system is giving the wrong information as well as their system told me my card is n't even activated. I 've called their customers service far too many times and have been told XXXX lie after another. They 've refused to compensate their customers for all the inconvenience they 've put us thru and they 're not trying to move fast enough to fix the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: I was charged Private Mortgage Insurance ( PMI ) for 112 months even though my Loan to Value ( LTV ) was less than % 80 at the time of purchase ; which means I had already reached the required minimum so PMI should of never been charged. I purchased the property XX/XX/XXXX and the PMI ended on XX/XX/XXXX. The monthly PMI was {$160.00} and the interest rate was % XXXX. I sent multiple letters over the past decade asking the bank to remove the PMI and was denied. I am attaching proof of the value of the home at time of purchase, PMI denial letters, promissary note ( amount borowered ) and statements showing PMI charges. The amount borrowed was {$410000.00} and the value was {$540000.00} at the time of purchase. I have uploaded multiple attachments but not all seemed to have been added. Please let me know if additional information is needed.

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 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute with Experian, as my report contained multiple entries of erroneous information. Experian responded back refusing to investigate the errors stating that my dispute was somehow fraudulent and bewilderingly claimed that it was not me who was submitting the dispute ( see attached response from Experian ). This is a flagrant violation of the FCRAI have also included a copy of my original dispute letter to Experian that has my identification information and the list of disputed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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 XX/XX/XXXX I pulled a copy of my credit report in light of all the recent breaches with Equifax. I discovered XXXX fraudulent inquires, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX. I disputed them and they have the nerve to tell me that they are verified and I should contact these companies myself. Why would I call and give them my personal information and I never did in the first place. I do n't have business with these companies, never gave them the right to access my credit report and Equifax should be working with me the consumer not against me. There is too much identity fraud going on now. Please help me as they are violating my rights under FDCRA and FCRA. I have tried calling and they are rude. All there answers are no we cant do that, the information is factual. I do n't know who is trying to obtain credit in my name but I received notice from XXXX that my name is on some black market website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.

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 02/23/2018 about Debt collection (Credit card debt) with EXPERT GLOBAL SOLUTIONS, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from EGS Finacial Payer XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion had a system glitch that resulted in many of my inquiries being deleted from my report. Tranunion added the inquiries back without notifying me. I contacted Transunion but they refused to remove the inquiries. My rights were violated by Transunion and it is not fair that their error is affecting my credit report and score negatively.

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 06-06-2017 about Mortgage (Conventional home mortgage) with CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Applied for financing a new home. XX/XX/XXXX Submitted all documents for a loan with XXXX XXXX Mortgage Loan Originator NMLS # XXXX TEL ( XXXX ) XXXX MOBILE ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXX Asked whether I was approved and told via text that I was and on XX/XX/XXXX that an appraisal was due. On XX/XX/XXXX was told no appraisal and that by loan officer XXXX she would order a new report of appraisal. Via text on up to XX/XX/XXXX I am told that no appraisal has come but now the builder, XXXX XXXX will pay for a " new '' appraisal and asked to ok the extension while a new appraisal is done. I ask what about the first appraisal I paid for and told which ever one comes in first we could close the loan. XX/XX/XXXX I notify XXXX XXXX of XXXX XXXX that I have lost confidence with the loan officer as she has been stringing things alone and does not keep me informed. Am told that her company filed a complaint with the loan department on the delays and I asked to be a party on the complaint and where do I call. Then told it is not the loan department but it is the appraisal management company and I ask again what and how do I FILE THE SAME COMPLAINT. No answer XX/XX/XXXX XXXX XXXX meets with appraiser on new appraisal XX/XX/XXXX The Lending company ask me to sign more documents via their web portal and I am suspicious XX/XX/XXXX XXXX XXXX calls and tells me the appraisal is in and I need to esign with the lender XX/XX/XXXX XXXX XXXX Property Manager calls and I say I am seriously upset with all the delays and I have informed his sales rep, XXXX XXXX of XXXX XXXX and how delay after delay has cost me in buying a new home and renting my current home. Inform him how displeased I am and may need a loan officer I can trust. <P/>XX/XX/XXXX File this complaint XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ordered my free annual credit reports online but lost my connection before I received the reports from Transunion XXXX. When I tried to reconnect, I got a message that I had already received the reports. I reported it to annualcreditreport.com and they responded by mail but did not tell me how I could receive the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft

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 12-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I work on straight commission. At the beginning of 2015 I had several months in a row with no income, because sales were down with the economy. My loan was formerly with XXXX and they sold the loan to Wells Fargo. I asked Wells Fargo for assistance being that I was a couple of months behind on my payment and they said they could only help me if I stopped making my mortgage payment. I took their bad advice and missed another payment and after applying multiple times and being told that they never got my application, or they lost my documents, they finally told me the only thing they could give me was a repayment plan. They proceeded to raise my payment from {$1200.00} a month to over {$1600.00} a month. I asked them how this was suppose to help me and if I was having a hard time paying {$1200.00} how they could justify asking me to pay more. I asked them how this is suppose to ease my hardship. They told me I had no other choice unless I wanted to short sell the house or do a deed in lieu. I explained that I wanted to keep my house, not give it away. Reluctantly, I had to borrow money from my retirement just to make the first payment and then predictably, I could not afford any of the payments after that. I was so worried about Wells Fargo trying to foreclose that I hired a law firm to try to reason with them. I am in a real hardship. I could not have anticipated that my job would slow down so much. My mortgage is 34.51 % of my income, so I meet the federal criteria. From what I 've been told the Obama administration has said any interest rate above 6 % is considered a predatory loan. I am at a ridiculous 9 %. It was at 9.5 % when they gave me a modification 2 years ago, so the bank did not really help me last time. I am not asking for charity. I am just asking for a decent interest rate that is not double the national average and to be able to keep my home. Please investigate my file with Wells Fargo and you will see I have provided every document and meet all the Federal criteria. From what I understand Wells Fargo was fined a lot of money by the Dept of Justice already, but it must not have been enough to act as a deterrent because they are still targeting minorities like me who they believe are not educated enough to fight for their homes. Please, whoever is reading this, help me save my home. I am a good person who has just fallen on hard times. I believe this is why these programs were created, but Wells Fargo has done nothing but thwart my efforts every step of the way. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : WELLS FARGO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation