milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Upon working on our taxes on XX/XX/XXXX, we discovered 32 withdrawls from our checking account, to XXXX XXXX, on the dates of XX/XX/XXXX and XX/XX/XXXX, totaling {$380.00}. 
I did some research and looked at all of our households XXXX IDs. I found the charges for in-app purchases for the game called XXXX XXXX XXXX 2 over a three day period from XX/XX/XXXX- XX/XX/XXXX. I believe these purchases were accidentally made by my XXXX year old son. These purchases were unauthorized and quite excessive. I did not receive notification or emails regarding these purchases, nor did my bank flag these purchases as possible fraud. 
As soon as I discovered these unauthorized purchases, I contacted XXXX to ask for a refund. The XXXX rep, XXXX, tried to reverse the charges but said she could not do it because it had been more than 90 days. She recommended that my bank might be able to help me. I called my bank and they were unable to help me, since they said they tried to do a chargeback to XXXX, but that this would not work as it has passed the 60 day period that XXXX guarantees. I contacted XXXX XXXX, developer of XXXX XXXX XXXX, which had the hidden in-app purchases. XXXX XXXX  told me they can not help me, and only XXXX can help me. 

No one will help refund my money and I feel like this was excessive, fraudulent, unauthorized ... 32 charges to my bank account over 3 days, at almost {$400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with NELNET, INC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a student loan with XXXX for about eight years. The loan was recently transferred to Firstmark Services ( servicer ). Within two months of servicing this loan, this company is already playing games. It has changed the original amortization schedule of the payment and pushed it out several years without any authorization ( or any request ) from me. There is no change whatsoever in any underlying fundamentals ( interest rate, or any other even ) of the loan. 

They are elusive in explaining me and I can not get a straight answer from them for how they could do this or how do I change it back to original schedule / payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: I have an FHA loan for my home. When I purchased my property, because I live in a flood hazard area, I was required to purchase flood insurance, which I did. I have maintained flood insurance coverage for the entire life of my loan, and it is paid out of my mortgage escrow account. 

When the home was purchased, in XXXX XXXX, the amount of the coverage was approximately {$160000.00} with a {$1000.00} deductible, covering the principle amount of my loan with XXXX XXXX XXXX. The annual premium was {$2200.00}. 

Subsequently, Wells Fargo purchased my loan, on XXXX XXXX XXXX, XXXX they sent me a notice that said " at a minimum we require that you maintain flood insurance that is equal to 100 % of the replacement cost. '' I was advised that if I did not purchase the additional coverage myself, they would so on my behalf and increase my escrow payments accordingly. The initial increase in premium as a result was {$280.00} per year., to {$2500.00} In XXXX, the premium was again increased, to {$3200.00} XXXX as the replacement cost increased XXXX. 

In XXXX, the premium increased again to {$3400.00}. 

In XXXX the premium increased again to {$3900.00} And again in XXXX {$4100.00}. 

I discovered in XXXX, that Wells Fargo 's requirement that I maintain the full replacement cost coverage was in violation of the laws regarding insuring FHA properties. The law clearly has been, since at least XXXX has been : " The amount of flood insurance required must be at least equal to the lesser of : a ) The combined outstanding balance of all loans and maximum line of credit limit b ) 100 % of the estimated replacement cost value of the building ( XXXX ) determined by the hazard insurance provided c ) The maximum limit of coverage available under the XXXX XXXX XXXX XXXX " Meaning, for the last 4 years, I should only have been required to carry an amount equal to the principal. 

As of when I discovered this that principle was about {$140000.00}. I contacted my flood insurance provider, XXXX, in XXXX to reduce my coverage in accordance with federal law, their response was that coverage could not be reduced mid-term. 

As a result of Wells Fargo misrepresenting the law regarding the minimum coverage amounts, I have spent at least {$6000.00} more than I should have on my flood insurance, based on what I was initially carrying. Since the principle has gone down each year, my flood insurance premiums should also have been going down, so my total losses are probably more than the {$6000.00} estimate. 

When I contacted Wells Fargo to discuss this in XXXX XXXX, they took over a month to reply, and their reply was a perfunctory denial of my request for any relief and a denial that they done anything wrong. At this point, I feel that I have no choice but to file a complain with the CFPB.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Im am writing in reference to a released tax lien that is reporting on my Equifax credit report as The lien has been released as of XXXX 2014I have filed numerous disputes in having this public record removed both by phone and by mail. Most recently XX/XX/XXXX which Equifax stated they obtained public record items from local, state and federal courts through a third party vendor. Equifax also stated : they reviewed the lien information and verified the public record item is reporting correctly.They further instructed me. that if I have additional questions about this item please contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXX GA. Under the new law effective XX/XX/XXXX any public record data must include name, address, social security number, date of birth in order to appear in your credit file.Equifax has not updated the information and per that law the released tax lien listed does not include all the required information and should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (VA mortgage) with TJC Mortgage, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: Mortgage company did not have closing docs ready for closing and funding. They had 2 months to get Buyer approved on a VA Loan and Closing had been set for 2 weeks evening before closing Title company calls and informs me they do not have closing docs and we have to reschedule closing. Sellers had already moved out of the house, had their possessions on a moving truck and spending the night with family as they had to be out of the house before closing. The Sellers have a premature baby and did n't need to upset her schedule any more than was necessary. Sellers of the house they are purchasing would not let them move into the house until it was funded even though they had signed all papers and presented the cashiers check. So they were out with nowhere to go until the closing Docs and funding could be rescheduled. The sellers were completely helpless even though none of this was their fault. Then closing was set for the next day and closing set for XXXX XXXX, the buyers would not close until XXXX so funding can not take place for another day while the sellers ( a XXXX Vet. ) and a premature baby are waiting still with no home and all their possessions on a truck. We were promised that the Cds would be ready on XXXX XXXX, the contract closing date, but that did n't happen, we were then told the CDS would be at title company later in the day and funding would take place. That did n't happen either. I still do not know if this loan will close tomorrow or not. I do not believe anything the Mortgage Broker says now. 
Mortgage Broker had the sellers Spouse removed from the contract. 
which had to be added back to the contract before closing could take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX 2016 i made a credit report for a mortage loan. In my credit history appear a XXXX verification twice XXXX on XXXX XXXX and the other appear on XXXX 2016. I never make a request for the mentionated company or any service for that company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Loan modification,collection,foreclosure

Complaint: The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.

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 06/18/2015 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (IL).
Issue: Managing the loan or lease

Complaint: Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax has repeatedly sent me purported statements to " confirm '' my address change. I have submitted no address change since updating my address to XXXX XXXX XXXX XXXX XXXX ... It appears that Equifax changes my address at their own discretionary whim, with absolutely no verifiable reason and against credit reporting and accuracy standards. The frequent unauthorized changes of my address can possibly communicate fraud to my creditors, current and/or prospective. This is ridiculous. At one point they even changed my address to a Kentucky address. The letter was actually stated in a manner, " confirming my request to update my address. '' When I asked for said letter that I purportedly sent to change my address to said Kentucky address, they never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: they were charging me for having the services that I did not which I had continuously called them about. I was using regular phone service and they were charging me for internet data usage when the phone I was using could not even access the internet. They are now in the middle of a class action suit regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I came across this bill on my credit report from XXXX XXXX. I have never lived in the state where the bill was created. I told the company that the bill is not mine and they told me to get a police report. I tried to get one, but the police station near me told me that they do not give police report for such a thing. I am stumped do n't know what to do next. How else can I get such a bill off of my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need 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 explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Account Systems of Omaha, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hi, I recently pulled my credit report and found out that there was a bill listed as late on my credit report that I was unaware of. I contacted National Account Systems of Omaha who had apparently been contracted to collect the debt to resolve the issue. I was fully willing to make payment in full, but requested that they remove the debt from my credit report. During the conversation with a XXXX XXXX XXXX, he was hostile, and argumentative. He stated that they had tried to send numerous requests to my home in XXXX, XXXX ... I live in XXXX, XXXX. He tried to charge me an additional {$160.00} on top of the {$110.00} that is in question. He stated that I was trying to bully him into removing the debt when I stated that I know my rights as as consumer and mentioned that I knew I could contact you for assistance on the matter. 

I simply tried to resolve the matter as soon as I realized what was happening, and streamline the process by contacting them directly. If you could help me get this matter resolved I would like to move on past this. If there is any additional information that I can provide for you ; please let me know. 

I greatly appreciate your time and assistance in this matter. 

Highest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX {$270.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES {$270.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report reflects XXXX accounts that I was an authorized user on these accounts. The accounts are XXXX with XXXX and XXXX account with XXXX XXXX XXXX. Upon my mother 's death the XXXX accounts were provided a copy of the death certificate. My mother was the primary account holder on these accounts. I did not have a financial responsibility on these 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 non-monetary relief