milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I have a XXXX, someone got a hold of my information and took all my money. This is a card that my child support is put on. In the month of XX/XX/XXXX they took XXXX. I noticed it and called right away. I have the hardest time getting a hold of someone. They closed my complaint without calling me, because they said they never received my letter back that they sent me. I sent them the letter they sent me back and another one, a police report and then faxed two letters. They than sent me a letter that they denied my complaint. I was finally able to go online and create an account, once I did this I was able to see that they stole money in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have my other bank account statements that show I used my other card in a different state on the same dates that this card was being used on. I have doctors apt and other things that I was doing in the state of California on the dates that this card was being used in the state on Nevada. I have called " XXXX XXXX XXXX '' a lot! He has NOT called me back or sent me any documents in regards to my complaint being denied. A total of XXXX has been stolen from me. I am a single Mother and this is my child support. XXXX, like I have said does NOT call me back or help me in anyway. I have been left on hold for over two hours at a time. My Father is a XXXX and I have asked him to step in and help me get my money back. I am looking to y'all to give me some kind of direction. Where do I send the certified letter? Who does my attorney need to be in contact with? There has to be some kind of insurance or something related to this card. I can simply it was not me using the card in the state of Nevada, and now I need my money back. Please Help ME!! On the, " California Debit Card '' Transaction History statement they sent me, there is a number on the bottom of the page for customer service, XXXX. When you call this number you get a man that tells you that you have won a, XXXX dollar gift card to XXXX. I have called this number a million times and each time I win the XXXX dollars. How can they have that much money to give away XXXX dollars each time? I asked to speak to a manager and they hang up. This is a fraud! All of the transactions that were made on my card where at a, XXXX in Nevada. I feel this card is a FRAUD and there is someone that works for it that has my information that stole it. I have filed a police report as well. I look forward to hearing from someone and someone that can Help Me!

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 04-02-2018 about Debt collection (Other debt) with Monterey Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I attempted to purchase cryptocurreny using my checking account. My banking institution, Capital One, has informed me that they do not allow any funds to be used to make such purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (MD).
Issue: Struggling to pay mortgage

Complaint: I was beyond on payments with Dovenmuehle Mortgages company back in  XXXX . I was told to pay  XXXX  to the attorney to reinstatement my loan, which I did, but then I discovered the amount paid was an over payment. I was then to by  XXXX , that I would be expecting a refunded of {$490.00}. I spoke with  XXXX   XXXX  on several occasions about the money owed to me, which I am still owed {$140.00}..      XXXX  told me the fee of {$140.00} was never included in the reinstatement letter, and that he would work with the foreclosure department to have the fee waived, because the company is unable to charge me for a fee I knew nothing about. It is now  XXXX / XXXX / XXXX  and I have yet to receive the money.     Also, back in  XXXX  I mailed a {$10.00} money order to start the forbearance plan to save my home, and that money was received by Dovemuehle but never applied to my account..     I would also like to mention that this company is the worst to deal with and I truly hate them for what they did to me from start to finish. They also tried to charge me {$9600.00} to reinstate my loan, when I only owed  XXXX  to bring the account current including the attorney fee 's. I feel like they were forcing me to lose my home.     As of today I am owed a total of  XXXX  and I would like my money back. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (AL).
Issue: Credit decision / Underwriting

Complaint: I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.

Company response to consumer: Closed
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX 2017 after receiving numerous robo calls for collection of past fees I asked to pay my balance in full and to close the account. I paid {$86.00} and was transferred to another dept to close the account. Two weeks later I was sent a bill for {$38.00}. After calling their customer service they said it was paid late and I owe. I stated that I was on their recorded line and I asked to pay bill in full and to close account.They said their employee was n't authorized to make that statement.I asked for a written explanation and was told they do not have to provide a written explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH. XXXX Subject : Notify us of property vacancy ( response ) Loan XXXX Homeowner : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Policy : XXXX Whomever it may concern : Our communication with you regarding this property has been extensive. We have made multiple attempts to work out some form of equitable solution for the return of this property including but not limited to Deed in-Lieu of Foreclosure and Short Sale. These communications with you are all clearly recorded in the conversations that you save when we call in. 

We offered to keep the property maintained to ensure the best price the market would allow, but you refused our efforts. We began contacting you about options in XXXX of XXXX 

In addition, the day we received your notices regarding insurance, XXXX XXXX letters dated XXXX & XXXX XXXX the property had all the locks changed and a lock box installed on the rear door of the residence. We received no notice that this was going to be done, which is against the law. We have been regularly harassed by Wells Fargo during the course of our occupancy of this residence by multiple tactics employed by your firm. In fact, we had our elected State Representatives office get involved with you informally and filed complaints that have been substantiated and recorded by the CFPB. Our experiences with WF included various unethical financial withholdings, improperly calculated tax documentation and subsequent amendments to taxes ( again this year, so we have to do ANOTHER amended return ), misapplied payments, improperly applied interest corrections and inaccurate reporting to multiple credit reporting agencies ( which continues today ). 

We did not abandon this property, but did vacate the premises with the intent of cooperating with the necessary steps to return it to you. The policy for the home was terminated at XXXX XXXX on XXXX. Our insurance carrier notified you of this. We have not received any funds related to policy payments from them. 

I assume that the correspondence to us via regular postal service is a legal requirement, since you routinely contact my wife and speak to her about this situation. 

The home is now inaccessible to us because all the locks have been changed. 

Regards, XXXX 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 explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I have been back and forth with both  XXXX   XXXX  and USAA about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting an account that is fraud

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 03-09-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Delinquent account

Complaint: This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears 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 explanation
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with GMA Investments, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A representative named XXXX, who stated he is a legal manager at Summit Receivables stated that Summit Receivables has taken over my credit card debt which is {$450.00}. The company has repeatedly contacted me calling me more than once a day for the past couple of months. I have explained that I was unable to make payments at the time because of health related issues. During the past month XXXX has called me several times threatening to take legal action against me if I do not pay a certain amount by a specific date. I recently made a payment on XXXX/XXXX/16 for {$50.00} which was posted XXXX/XXXX/16. However, I decided to check my credit report on XXXX/XXXX/16 to see if the company was on my credit report. To my surprise I did not see the company listed on my credit report. I also noticed that the original debt from the credit card company was closed. Once I realized I did not see them listed on my credit report and I have not received any documentation by mail indicating that I owe them or that they will take legal action against me I contacted XXXX to ask him about my concerns. XXXX became very defensive and began to talk over me and became very rude. I informed him that I will not make any further payments until I receive something in mail indicating that I owe them, after I stated that, XXXX stated he can send me something by email and that he was not obligated to send me anything by mail unless I send it a written request. I told him that I will request in writing to have documents mailed to me. I asked him for the address of his organization and he hung up on me. I looked through my inbox and spam on my email and I did not have any emails from him or the company he claimed was sent to me. I contacted the Consumer Financial Protection Bureau, XXXX and State Attorney General for Nevada and was informed that what he was doing was illegal and I plan on taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM EXPERIAN AND XXXX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU

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 01-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an adjustable rate mortgage with Wells Fargo Home Mortgage. 
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail. 
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I 've recently opened up a credit card wit h Costco aka citi bank  once receiving my card I once they spelled my name wrong as  XXXX   XXXX  instead of  XXXX   XXXX   XXXX  I got my first statement I Immediately paid the amount off in full I called today to get a paid in full  letter & close out my account this company then started to give me a hard time saying that they could n't verify my phone number the same number that I opened up my account with all I was trying to do is close out my out it was so easy opening up my account but so very difficult trying to close out my account they have ca lled my mortgage company & my other creditors & still refused to close my account I 'm   XXXX   XXXX   XXXX   & this was a bad situation for me my member number is  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 explanation
Consumer complaint received 03-03-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Payoff process

Complaint: I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.

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 12/15/2017 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Closing on a mortgage

Complaint: Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.

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 12-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BB&T CORPORATION (FL).
Issue: Other transaction problem

Complaint: XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX   XXXX XXXX. 

( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Bank of America keeps calling saying I have an account with them which I do n't. They asked for an account number,

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a charged off account with  XXXX   XXXX  Bank.  XXXX   XXXX  Bank has been inaccurately reporting on my credit report as they have sold the account to  XXXX   XXXX   XXXX . I receive mail from  XXXX    XXXX   XXXX   attempting to collect on the debt as well as a letter from  XXXX    XXXX   XXXX   regarding my  XXXX   XXXX  bank account dated  XXXX   XXXX .   When I contact  XXXX   XXXX  Bank they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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