milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards Discover & XXXX which use XXXX service ( run by XXXX ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and Discover card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. XXXX just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as Discover and XXXX take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Bank account or service (Checking account) with BANK OF THE WEST (KS).
Issue: Account opening, closing, or management

Complaint: I have had nothing but problems with Bank of the West. The worst part about it is that there are issues going on some where in the system and they could n't tell me what caused them. I made a name change and added a beneficiary to my account in XXXX. Between my husband and I we have XXXX accounts with them and a year later, in XXXX, we received 16 notices in the mail of name or address changes made to our accounts. We did n't do any changes. After months of research they could n't tell us what happened, It must have been a glitch they said. Another year and a half later I received 15 more cards with the same issue - called the number on the card to address it and they could n't help me, even though that was the number it stated to call if the information was incorrect, had no clue what the issue was, they said they forwarded my concern and my branch would call. That was on a Saturday, by Wednesday I still received no call from my branch.... so I called them. They looked into it and said yes they showed XXXX cards going out for a change on my address - here is the clincher : they only did it for XXXX of my XXXX accounts, AND THEY PUT PERSONAL AND PRIVATE INFORMATION IN THE ADDRESS LINES TO MY HOME!!!!!! The cards were n't in sealed envelopes but printed cards. Then while dealing with this while traveling, I used my debit card the first day and after that they denied my card for fraud hold, called the bank, I should have been called they said - called the fraud department, verified my number and they admitted no attempt was made to contact me, yet my husband was free to use his cards. This bank has no clue what one hand is doing from the other never mind the fact they are in total violation I feel of my privacy rights. Why do they not have control over what is going on in the system, who is touching what accounts and when??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Consumer Loan (Installment loan) with Armed Forces Loans of Nevada Inc. (TX).
Issue: Managing the loan or lease

Complaint: Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Making/receiving payments, sending money

Complaint: I have instructed my Bank ( HSBC ) on XXXX XXXX, to do a wire transfer amounting to XXXX XXXX. 
to my bank account in XXXX. The conversion rate taken is USD XXXX = XXXX. 
However as per the attached sheet the rate of USD XXXX = XXXX ( the same day ) I understand that the bank take a % but it is too much. I would like the bank to reduce the %.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Mortgage dba XXXX is a servicing entity for HSBC Bank. We are trying to obtain a satisfaction of mortgage on an old HSBC loan XXXX HSBC was successor in interest to the original lender ). This loan is paid and we have followed normal procedure to obtain the duplicate original satisfaction. PHH ( also known as " XXXX '' ) as verbally confirmed the loan was paid. We faxed our original request for the satisfaction on XXXX XXXX, 2015. Since then, we have made numerous requests to get status on this matter. As of XXXX XXXX, 2015, we have been contacting them twice per week ( via phone, fax or email ) to obtain status. We are told " a manager will call us back '' and not once have we had a return phone call, or even any correspondence from them concerning any one of our numerous inquiries. As per New York XXXX Law, Article 8, Section 275, a lender is required to provide the satisfaction upon payment of the lien in full. Paraphrased herewith is a summary of the law : " Failure by a mortgagee to present the certificate of discharge for recording shall result in a mortgagee being liable to the mortgagor in the amount of {$500.00} for failure to present the certificate in 30 days ; for {$1000.00} for failure to present the certificate in 60 days ; and for {$1500.00} for failure to present the certificate in 90 days ... ''. We do not wish to obtain any monetary compensation or penalty for their gross negligence, but wish to have this matter resolved ASAP and have them produce the duplicate original satisfaction so we may have it recorded in the land records which will allow us to proceed with closing of the REO sale which is being delayed due to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: TO : Equifax - I observe my credit report counts both open and closed accounts totaling XXXX, therefore I expect ALL these accounts count towards my years of credit. Consequently, I calculate ALL open and closed dates to current, to be XXXX days or XXXX years. Please correct my years of credit to 10-years, 2-months. 

Also, I have attached my latest email to Equifax for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Transaction issue

Complaint: I have a Citibank Home Depot credit card. I recently paid off my balance and a WEEK later, the payment had already cleared from my bank and I went back to the store to make another purchase and my card was declined. I called the company to see why since I had only tried spending {$60.00} and my available balance on my card was {$500.00}. The customer service person said that my account was put on hold because I made more than the minimum balance with my payment. After arguing with the person on the phone they finally allowed my purchase to go through and said the hold would be removed in two day. Today I went back to the store ( 2 days later ) and tried to make another purchase. The card was declined yet again and the Home Depot worker called and the lady would not allow a purchase becaus the card was STILL on hold and they " may '' take it off hold tonight. I am going to call the company and make a complaint with them as well but I know they will not care because the ladies at Home Depot said this happens all the time. This is absolutely rediciulous. I 'm never late on my bill and should not be penalized because I paid off my balance.

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 12/15/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We got home from a trip we found a small box from Macy 's at our door containing a XXXX deodorant for about {$29.00}. We called the next day to request a return authorization since it was an item I neither used, ordered, or wanted. After 7 requests and as many phone calls I thought it incredulous no one could or would send me an RA ( return authorization ). No one mentioned, nor did I ever receive a statement showing I owned more. After months of waiting I started receiving daily calls from Bloomingdales / Macys credit asking me to pay my bill of around {$200.00}. Why not the unresolved {$29.00} I asked? They did n't know or care to do anything about it except call again every day. Finally some dear soul told me I had another purchase on the account again made on Macy '. online. and with it my current balance was roughly {$200.00}. 
In all these months I have n't received a monthly bill -- do n't know why. She could not tell me where it was shipped to, since it was n't to me, because they only had records 3 months back in fraud dept ). She asked me why I had n't filed a claim with their Fraud department. Did n't know you had one -- no one 's ever mentioned it to me and I have never been in this situation before.. I have been asking all along if someone used my credit card that it was fraud and I wanted them to cancel it so this would n't get worse. That never happened until the associate that told me what I should have done 5 months ago. They finally closed it 5 months late and are suppose to send me a new one, which will never be used after XXXX that they have put me through. When I looked at it on credit karma I would have thought reading it that they closed it on me and there was no mention of them sending me another card. So it looks like I 'm a bum that does n't pay his bills. If you check you can see where I paid about about XXXX in XX/XX/XXXX on my dept s -- so clearly it was n't that I would n't or could n't have paid them if I had indeed owned them a penny.. Macy 's XXXX customer service is n't something that works. Our family is a XXXX that sticks together and all are refusing to shop Macy 's this XXXX for me -- that will cost them a ton over {$200.00}. Honesty is it 's own reward.Macy 's!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: It has been over a year since we have been trying to get a response from Wells Fargo mortgage regarding a short sale of our property. We have a lawyer working with us and she just sent me an email requesting that I file a complaint about Wells Fargo. She said that Wells Fargo has stated that it is stuck in " Mortgage Insurance '' and that is what is causing the delay. We have a buyer for the house who will bale-out if we do n't get this to settlement. We could no longer afford our mortgage payment so put the house on the market and we are renting another place. We applied for XXXX loan modifications through Wells Fargo and they were turned down. In 2008 we refinanced to an interest only loan of 8.28 % thinking that we could refinance later on. Well that is when the market fell our and our home value took a " deep-six ''. We want to get this resolved asap. We are still paying utilities on the other house as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initated. It has been well over the 30 days given for Experian to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized inquries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX   Date Filed : XX/XX/XXXX3 ) XXXX   XXXX XXXX - Date Filed : XX/XX/XXXX 4 )  XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX  XXXX XXXX - Date Filed : XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : 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 non-monetary relief
Consumer complaint received 11-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Delinquent account

Complaint: My credit report is absolutely perfect, other than this error, showing a 30 day past due payment on a Kohl 's card through Cap One. I am not a slow payer or having financial difficulties. There was an issue with my checking account, where the bank mis-posted a cash deposit to the wrong checking account. This caused my Kohl 's payment to bounce and I went past due because they had the wrong phone number on file for me and could not reach me. Since I live in the XXXX, I only get my mail weeks later. When I found out about the issue, I immediately made payment and advised Kohl 's of the bank issue. I disputed this with Kohl 's and they refused to fix it. I had my bank send them a letter explain that it was not my fault. I thought that with this letter Kohl 's would have cleared up the matter, but I just pulled my report and it is still on there. When I called Kohl 's they said that even though I attempted to and had all intentions of paying and was victim of a bank error, they will not correct my credit bureau. I am not asking anyone to fix something that was my fault. If XXXX bank causes an issue, that should count. They claim they are not permitted to change the reporting unless it was their error. I just do n't believe that is a fair practice and I suspect that is not a rule they apply consistently because others, report on line that having proof of a bank error should and does result in the credit bureau being corrected. I do n't know what to do next, but try this route in hopes that you agree that I am not being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I attempted to sign into Carrington Mortage Service to pay my mortgage. Their system asked me for the last four of my social security number and another identifying question. Even though I put in the correct answers in the system kept giving an error message saying that the information was incorrect. I noticed on my statement for XX/XX/XXXX Carrington MortgageService is charging me a late fee even though I made the payment before the XX/XX/XXXX. This is not the first time that I have had an issue with Carrington when making my payment on the grace period date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (AZ).
Issue: Shopping for a loan or lease

Complaint: We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.

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