milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Opened a bank account at XXXX XXXX was told a few dats later that my account would be closed due to various socials being connected to my account. Was basically told they didnt want to bank with people who committ fraud. Explained to them that the XXXX credit bureaus had my identical triplet sisters who have similar names as me on the credit report. I was told to contact the credit bureaus and get proof they were fixing this issue. Contacted the credit bureaus XXXX, transunion, and XXXX. They stated to me that there was nothing they could do. And that this was not the case. I explained this has been an ongoing issue for years now. I lost my bank accounts due to this error on their part. I have tried and tried to get my sisters off my credit reports as my aliases even explained that we are all different people. I explained that I am married and have not changed my name yet due to having XXXX people on my credit report. I dont want another person added on there. This has ruined my life and is very unacceptable. I can not apply for anything without my sister having access to my peraonal accounts. XXXX is ridiculous. Ive lost so much on this error made by the credit bureaus.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I might be one of the 150 million victims of 2017 Equifax Security Breach, and I feel really vulnerable since there is nothing I can do to improve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables Management has a collection against me supposedly from XXXX XXXX XXXX. I have not used XXXX XXXX in 5-6 years and left them all paid up. No one has left a message, sent a letter or emailed me. I happened to see this when applying for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I was charged overpriced, the amount of {$940.00} by XXXX XXXX XXXX, California, XXXX, For service change oil, and check Engine light, ( service does n't cost More than {$120.00} ) My Chase Bank been sided to the Merchant, and overdraft my business checking account, until This minutes, and it is not willing To solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In 2013, XXXX Bank illegally offset my XXXX bank account when conspiring with their affiliates XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested XXXX Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, XXXX Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against XXXX Bank.

Company response to consumer: Closed
Consumer complaint received 07/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I get a legal circuit court on my credit report without any detail of the company name or a date of this debt.

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 07/21/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX here, I am new customer to M & T ( end of XXXX ) and I was offended to see when I first looked at my statements from XXXX and XXXX that I have been charged over {$120.00} in ATM fees. I understand that account sometimes had fees but I had no idea that M & T would charge me {$3.00} per transaction just to check a balance?! I was charged {$3.00} approximately XXXX times in XXXX months to check my balance from other ATMS!? I was told at XXXX XXXX NY branch that " I thought they stopped that ''. I was charged to check my balance also! I feel as if I am being targeted due to my low income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Deposits and withdrawals

Complaint: Citizens Bank allowed someone to cash a forged, year old stale check for over {$1000.00}. This person continued to cash stolen and forged checks until my account was wiped out. Had Citizens Bank exercised proper care, the theft would have been caught early. However, they continued to cash fraudulent checks until there was n't any money left. XXXX times the amount of the check was over {$1000.00} and six times they failed to verify the signature. I have copies of Citizens Banks own policies regarding cashing checks : they wo n't cash checks over 6 months old, and they require signature verification on checks over {$1000.00}. 
I usually only wrote a couple checks a month and my handwriting is consistent. This person would return to the same location day after day, sometimes cashing multiple high value checks ( {$500.00} and above ) at different locations on the same day, and no one at Citizens raised a concern. 
When I realized the theft and forgery had occurred, I contacted Citizens immediately. When I contacted them, I had {$15.00} in my account. I was told by Citizens that my account was frozen due to the fraud, and no money would be allowed to be charged/withdrawn. Citizens continued to let charges go through until my account was negative, and then charged me ridiculous overdraft fees. Citizens has threatened to negatively affect my credit score as well because of the negative balance. I was informed that according to their policies, I would immediately be refunded the last 30 days of fraud. That was last XXXX 2015 and I have yet to be refunded anything. 
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Mobiloans, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.

Company response to consumer: Untimely response
Consumer complaint received 03/15/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required. 
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment. 
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it. 
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was never proved to belong to me, in fact, I believe this debt belonged to my father ( who passed away in XXXX ). I grew up at the address of my parents and we have similar first names, is how I believe the mix up occurred. I still receive mail referring to my military background ( never served ) and to they refer to my elder age ( XXXX - my father 's age ) due to this mix-up. 
Sometime in XXXX, Weltman , Weinberg & Reis began to contact me. I told them over and over again that the debt did not belong to me and they would need to send proof. They would never send any proof of the debt - which I wanted to be the information from the credit card company, not the line item of the debt purchase. It needed to show my name and not my father 's name - because the debt purchase had the incorrect information. I repeatedly told them they needed to provide proof the debt belonged to me or to stop contacting me. At some point they filed a court claim and said they served me at my XXXX address ( I had moved ). They then claimed to have served me at my new temporary address but I had moved again. They proceeded to go to court and because I was not notified, they won the judgement against me. They attempted to garnish my XXXX income tax. In XXXX they garnished my wages. In the span of two months they took {$1400.00}. I wrote them in XXXX XXXX after the garnishment. I reminded them again that the debt was n't mine. Even though they were paid I requested the following proof : Name and address of the person on the original account including date account was opened and last payment date. 
Debt ownership - their proof of owning the account with assigned history. 
Copies of all summons and complaints to show date and proof of addresses served. 
Finally, and most important, since the debt - valid or not - had been paid : an acknowledgment of satisfaction of judgment. 
As they acted in the past, they never responded. 
In XXXX, when applying for a mortgage I was turned down because this debt was still showing on all my credit reports and OPEN AND UNPAID. They cost me the ability to obtain a mortgage as the mortgage company would not take and explanation or check stubs as proof. I also found out at this time they put the debt on my son 's credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from XXXX XXXX University in XX/XX/XXXX and then moved to XXXX to begin my career in XXXX as a XXXX XXXX XXXX XXXX in XXXX. When summer rolled around and my student loan payments became due they were more than I actually took home monthly. I contacted Navient and was told my only option was to put the loans into forbearance. Which I qualified for because of my low income status. While in forbearance the loans would continue to accrue interest and I would not be eligible for the federal student loan forgiveness programs because I was not making a payment. This continued from XX/XX/XXXX until XX/XX/XXXX years ago when I was informed by a colleague at work that I could qualify for an income based repayment option. Turned out due to the high cost of living and the low XXXX  salary in XXXX XXXX my payment is {$0.00} per month. As a XXXX in a XXXX XXXX XXXX working full time I qualify for the Federal Public Service loan forgiveness program ; which I am signed up for now. This program requires 120 payments on the loans ( 10 years of paying monthly ) and then the remaining balance will be forgiven. Even a {$0.00} payment qualifies, this program was designed specifically for state and government workers whose jobs require higher education but the salary is typically low. I spent fromXX/XX/XXXX until XX/XX/XXXXon forbearance and none of that time counts towards forgiveness. I am very angry because on several calls I asked specifically for help in the monthly payment and for information on loan forgiveness and was told forbearance was my best and only option. So now I have to continue accruing interest and making the adjusted payment for another 8 years, when if Navient had offered me the program I asked for to begin with, this year would be the end of my student loans. I love being a XXXX but the only way to maintain my license and to increase my pay is with continued education. I have to use the federal loan service to continue my education and advancement in my career. But I have over 100,000.00 in loans and at this point I was not even able to buy a car or to be part of the mortgage when my husband and I bought a home. I was naive in the thought that because it was a federal loan the servicer would want to offer me the best options and I am very angry that this company has put my family into financial strain. I am sure there is no way to get back the time that navient took from me but there should be compensation of some kind at least in the interest amount that was collected.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 21st Mortgage bought our mortgage from XXXX. 21st Mortgage has created an overage account without my consent. I pay {$1000.00}, the payment is {$530.00}, but I pay an additional {$460.00} to be allocated to the principal amt. This is how it was done with XXXX. Instead of placing the XXXX in principal amt, 21st mortgage has created an overage acct. Also, 21st mortgage does not send me a monthly stmt with the new balance, nor am I able to obtain the balance online.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has reported that my payment in XX/XX/XXXX was more than 30 days late. I have never been more than 30 days late on any of my payments to XXXX. I have been trying to purchase a home and this late payment on my creidt report is hampering me from getting a decent interest rate. I have called XXXX and the credit reporting agency XXXX uses more than a dozen times. I've had 3 way calls with them and my loan officer numerous times and can not seem to find anyone who knows what is going on. I did talk to 2 different customer service rep 's who told me that the late payment was posted to my account in error. XXXX had made a mistake but the credit reporting agency would not remove the late payment. XXXX would not remove it either. I can't get anywhere with these people. This has been going on for over 2 months! I still haven't purchased a home yet because of XXXX and their credit reporting agency. Last check of my credit report shows that the late payment is now for XX/XX/2017. It no longer shows a late payment for XX/XX/XXXXXXXX : /

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I called transunion and stated to them that my student loan had been consolidated and were all one loan.Transition still refused to remove it off my credit report which is showing 6 different times.Transunion has giving me the run around and provided no help my loan is in good standing but refuse to update my information.

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