milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Bank account or service (Savings account) with U.S. BANCORP (MN).
Issue: Making/receiving payments, sending money

Complaint: The bank did not disclose its wire transfer fees for savings accounts. It charged {$20.00} per outbound wire and {$30.00} per inbound wire. In particular, the inbound wire fees were a complete surprise. The bank stated to me that they are required by Regulation E to charge wire transfer fees. I am no bank regulation expert, but this does not seem to be the case since other banks do not charge for wire transfer fees.

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 12-03-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NM).
Issue: Getting the loan

Complaint: About a year ago I received a letter from OneMain Financial that stated they were offering me a loan up to 10,000 if I was approved for credit. I applied about 6 months ago and was denied being told I need a cosigner. I politely asked to be taken off the mailing list after the manager refused to give me a small loan to rebuild credit. About 3 months later I received another letter telling me they were offering me the same loan again. I sent an email that was very direct and demanded to be removed from the mailing list immediately. I was contacted by email and asked for my address. I was then assured that I would not receive any more mail from this company after I provided that information. Today, XXXX/XXXX/17 I received a letter again stating they were offering me a loan up to {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX group leaving messages at my home and work stating that if I did not call them back to set up time for them to serve me papers that they would pursue a legal action against me. They even threatened to visit my place of employment. This is on a credit card debt from 2008. After paying {$380.00} to XXXX XXXX I received paperwork from another debt collection agency XXXX XXXX XXXX attempting to collect on the same debt. I believe I was scammed by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Payday loan) with Zenith Financial Network Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In the past months, I have been reviewing all my student loans and trying to make since of some recent changes. I asked for my loan disputes to be removed, however, they were removed but I see there was a change to XXXX of the XXXX XXXX Accounts. According to my credit report in XXXX of 2016 all my XXXX XXXX XXXX showed Closed and a XXXX balance with remarks stating something to the nature of " account transferred o the government ''. As of XXXX XXXX, 2016 it shows closed with a NEW balance of {$2.00}, XXXX and no remarks. How is this amount owed? I never received a written notification of this new amount owed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a new company trying to collect this same debt from me that is FRAUDULENT from Early XXXX, the new Company is Credence I called ( XXXX ) and stated I dispute this as I have the others that I do not owe XXXX XXXX XXXX XXXX any money especially {$2200.00}. and I would me making this complaint here today as well. 
The following is the previous complaint I filed on XXXX XXXX XXXX # XXXX From XXXX or so of XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. 
I receive calls and letters from XXXX XXXX XXXX XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XXXX of XXXX. Ref # XXXX I did not hear anything back untila notice from ( XXXX ) on XXXX XXXX XXXX trying collect his same amount from XXXX XXXX XXXX mobility. I called XXXX myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XXXX XXXX XXXX. They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. 
I called the FTC today and they transferred me here to file this complaint. 
I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX/XXXX/XXXX spoke to an agent about inquires that where removed and placed back on they stated it was accurate which it was not called multiple times and they kept giving me the run around. I 've sent in the proper documents and still no results.

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 01-05-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am in XXXX XXXX Bankruptcy, filed XXXX XXXX, XXXX. I tried desperately to avoid Bankruptcy but Citifinancial refused to work with me and continued to inaccurately post my payments, etc. I could not refinance because no matter how much I paid, the balance would not go down, so I did not have enough equity to refinance. So, I had to file in order to keep them from foreclosing. I communicated with CFPB several years in an attempt halt their abusive tactics and practice, to no avail. Please reference the following complaints and responses : XXXX ; XXXX ; XXXX. Their responses were riddled with a lot of untruths, which I did rebut. But the ultimate solution was never received. This brings me to my new complaint. I know that I am not supposed to communicate with them directly, so I am using this venue in order to get their spin on the situation. Just curious to know how far these people will go in using their deceptive tactics to cheat the consumers. 
Citifinancial sent me a letter dated XXXX/XXXX/XXXX, informing me that they had paid my property taxes in the amount of {$1100.00} on XXXX/XXXX/XXXX. They also asked me to contact them to discuss payment. Strangely, the letter was unsigned, but the phone number is a working Citifinancial number because I tried it yesterday. There are several problems with this letter : 1. The bill has not been paid. The taxes are included in my chapter XXXX payment plan. It is now XXXX XXXX and the property taxes still have not been paid. 
2. Citifinancial broke Bankruptcy law by contacting me after my filing date. 
3. Citifinancial suspiciously, neglected to sign the letter. 

I submit that Citifinancial wrote this unsigned letter in an attempt to harass and intimidate me into making payments to them, on a none existent debt ( they lied about paying it ), and they wanted me to make the payments outside of my chapter XXXX plan. Again, they 're using underhanded tactics by not signing the letter so that they can deny sending the letter. 
Could you please help me stop these people harassing me through their abusive tactics used in servicing this predatory. I do n't feel safe from Citifinancial under the protection of my chapter XXXX, even though thy are being paid through the plan. They are bold and corrupt because they continue to fabricate stories and avoid the strong arm of the law with their deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX, PA from XX/XX/XXXX-XX/XX/XXXX. During this time my school misrepresented job placement rates for many of their programs of study and violated federal law. I was forced to go with a high interest private student loan ( 14.9 % ) through XXXX XXXX, which was a institution owned by XXXX. I was supposed to receive a letter by XX/XX/XXXX if i was included in this settlement. I never received one yet i am a victim. I have contacted Universtity Accounting Services about this and they neglect to answer my question. This complaint pertains to complaint Case : XXXX Document # : 1 Filed : XX/XX/XXXX XXXX XXXX of XXXX PageID # :1.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was on-line looking at my credit report prior to buying a new vehicle an d noticed a medical collection I had no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: This year I just went through a divorce and I found out my name was stuck on one US Bank credit card with a XXXX balance that was owned by my ex-husband way before we marry. I knew in the middle of the marriage XXXX XXXX XXXX ) he added me on the card as an authorized user but I never seen the card or used the card myself, ever. Later this year after the divorce is finalized, My ex-husband called them to remove my name off the card because it stated on divorce decree that this card belongs to him and he 's to pay it off. At this time the bank told him I was added as an " co-appliant '' and they wo n't remove my name unless the balance on the card is paid off and the account is closed. I know splitting mutual owned accounts/credit cards is common in divorces. But this is absolutely not the case. Because I did n't authorize my name to be added into his old credit card as an " co-appliant '' or " joint owner ''. As such process should be happening when both parties apply for a card at the same time. The card was not closed ( still got balance on ) when he added me, not a new credit card account was issued at the time I was added, there was not a credit limit increase by the time I was added. Plus I was a stay at home mom when my name was added. I had no income. Most importantly, I DID N'T sign anything. This year I requested to them to send me a copy of anything I signed in XXXX XXXX, they could n't provide any documentations. How could my name simply be added as " co-appliant '' if I did n't apply anything?? How does this make sense? I do not know if my ex husband was committing fraud by making fraudulent signature for me, which I 'm guessing not the case. Because all I remembered was he made a phone call. There 's no paper involved. Not even an email asking for my signature. I DID NOT authorize my name to be added into his old card and this big bank corporation simply did n't care or try to be reasonable to investigate and give me an answer.

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 09/27/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called XXXX and asked them if they remembered anyone coming in to check on buying a car on the XXXX of XXXX using my SSN. They could n't answer any of my questions and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Today, XXXX XXXX, XXXX, I have been on the telephone for 2 hours with representatives and managers of Experian attempting to secure the free identity theft protection issued by XXXX XXXX who recently purchased XXXX XXXX XXXX XXXX XXXX XXXX or ( " XXXX '' ). It appears that XXXX may have overlooked the fact that its ' data system had been compromised via evidence of unauthorized access to the XXXX network. 
Unfortunately, due to managers hanging up and not returning calls and individuals who simply did not know what he/she was doing with Experian, I have been unable to establish a file to secure my identity due to this breach. The call was disconnected and Experian did not call me back even though I had given my number as a call back. Also the code states " invalid CSRF token '' each time I try to log in. Thus XXXX XXXX and XXXX and Experian has failed to enable me to secure the free identity theft protection even though I have been on this phone for hours and hours with incompetent employees who do not have a clue how to process this and employees who do not call back after the calls drops or they disconnect on purpose.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries on my TransUnion credit report does not belong to me. These inquiries are the result of XXXX security breach. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ 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 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: -Hello, my concern is my loan was transferred to Nations star XX/XX/2014 from XXXX , my loan was current at the time of transfer. The problem that i 'm currently having is Nation star continues to add extra fees with no fact onto my loan and this has incr

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a tax lien still reporting on my credit! the tax lien was paid in full in XXXX, but never filed with the courts cause irs was unable to provide me a copy of the lien release but cause of the age of the account, but that I would be able to get it from the court house which XXXX county could not provide! so this paid debt sits on my credit report and every time I dispute them they are always validated! because I do n't have forms to file at the courthouse! ref number XXXX DATE FILED XX/XX/XXXX Status Filed Amount {$1900.00} Classification Lien Type State Tax Lien

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