milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In XXXX 2016 letters containing checks I had mailed to pay bills were stolen. ( Never use a mailbox outside the post office. ) One such check was " washed '' - everything I had written on the check, except my signature, was deleted, and replaced with new information - different payee, different amount, etc., in handwriting completely different from my signature. My bank, US Bank, cashed the check, notwithstanding that : ( 1 ) the ( fraudulent ) endorsement, and all the substituted information ( payee, amount, etc. ) were in handwriting completely different from my signature, and ( 2 ) even more troubling, the back of the check was blank ( except for the fraudulent signature ), i.e., no stamp or any other indication of which institution had accepted the check in the first place. When I asked someone in the US Bank fraud department how they could have negotiated such an obviously fraudulent check, she replied, " Oh, we ca n't look at every check. '' When I wrote US Bank 's CEO, XXXX XXXX, to express my concern about this, which is clearly not merely negligence, but rather willful misconduct, one of  his subordinates replied, confirming that " we 're unable to manually inspect individual checks .... '' To me this is incomprehensible - surely one of the most important if not the most important function of a bank is to take all reasonable steps to verify that checks presented are at least not patently, obviously fraudulent, as this check certainly was. As indicated above, this constituted willful misconduct. 

But that 's not all. What followed has been months, now almost one year, of extensive disruption and an incredible loss of time just trying to put my account in order. I will not detail here all the difficulties I encountered in this regard ( which would have been even worse but for the helpful efforts of a couple of very diligent employees in my branch ), except to note US Bank added insult to injury, or perhaps injury to injury, by adding new charges to the new account I was compelled to open. At this time, a good 10 months down the road, they have refused to eliminate those new charges. In short, I am being penalized for the bank 's willful misconduct!

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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 07-09-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I took out credit card as a XXXX. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with EAST WEST BANK (CA).
Issue: Making/receiving payments, sending money

Complaint: I was selling my dryer on XXXX and asking for {$110.00}. 
On XXXX XXXX, 2016, a person texted me and agreed to buy. She/he said a cashier check was sent to me with more than what I was asking for. I asked why. The scammer said it was meant to send to somebody else before it was sent to me in an error and asked me to return the difference. Then the scammer provided the information where the difference should have been sent to. I received a cashier check for {$1800.00} on XXXX XXXX. I went to my local Eastwest bank in XXXX XXXX in California to cash the check on XXXX XXXX. I considered I could get the money on the same day because it was a cashier check. However, the bank teller told me they had to withhold the check for 2 business days to verify if the check was good or not. On XXXX XXXX, the bank released the check and I got the cash for {$1800.00}. I deducted {$160.00} total from {$1800.00}, {$110.00} for the dryer and {$50.00} for the trouble. I sent the difference of {$1700.00} cash through XXXX in XXXX store. XXXX transactions were made to different scammers. Each got {$840.00} after the {$16.00} fee. 
On XXXX XXXX, I was checking my Eastwest bank account online and found out my bank balance was negative. The amount of {$1800.00} was deducted from my account. I called my bank immediately. I was told that cashier check was returned. They referred me to talk to my home branch. 
I spoke to my home branch manager in XXXX XXXX and was asking why I was responsible for the returned fraud check even under the supervision of 2 business days withholding policy in Eastwest bank. We had disagreements on the issue of responsibility of the bad check. The final answer was that I had to take the risk regardless. 
I do n't think it is fair for me to take the loss. It is not my fault. I am innocent. It is absolute bank 's negligence. I would have not cashed the check if the bank had stopped it. It is bank 's responsibility to tell me if the check was good or not with 2 days withholding. I am the victim of the scam. 
I am now asking the authority of the Eastwest bank to take further action to investigate the case. I want my money back.

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
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with AFNI INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX claimed I own the debt of {$1700.00} to it. I have reason to believe I do not owe this debt because the debt is not valid since XXXX XXXX violated my consumer right of being informed pursuant to Consumer Bill of Rights. XXXX XXXX did not give me the facts to let me make an informed choice when XXXX XXXX changed my plan from {$49.00} monthly charge of unlimited monthly kilobyte to the new XXXX Plan XXXX XXXX. The charge of {$1500.00} that would incur from switching to the new plan at the beginning of the current billing period was not disclosed to me when I was offered the options of switching to the new plan either at the beginning of the current billing period or at the current date during the transaction with XXXX XXXX. Therefore XXXX XXXX has failed to inform me critical information when I was making the purchase decision, and violated my consumer right of being informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received my bankruptcy discharge on XXXX/XXXX/2016. I sent in documents to equifax and the other XXXX bureaus so that they would update my information. Equifax will not remove incorrect info from my report. They are reporting that I had XXXX loans with Honor Finance, I only had XXXX. That was discharged. They will not remove the second XXXX after me disputing multiple times and providing documents. They are reporting a balance owed to XXXX XXXX XXXX XXXX, this was also discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.

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 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My name is  XXXX   XXXX   XXXX   XXXX  . I live   XXXX   XXXX   XXXX   in  XXXX , TN  XXXX . I have a address on my credit report :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , that I requested be removed in   XXXX  . I have never lived at this address. Please email me at  XXXX  with any updates.

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 08/20/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had an account with XXXX. My equipment was all picked up when I was n't home. I did n't get to sign anything or I did n't call them. They got all of their equipment and my bill was about {$300.00}. They charged me {$470.00} more than I supposed to pay, leaving it {$770.00} in collection. I got the issue resolved and I currently have my services active for a year straight right now. Now it says the same thing again and its ridiculous. I 'm getting cheated here.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company accessed my credit file with XXXX XXXX on XX/XX/2016, placing an inquiry on my file. I have attempted to dispute this item with the Credit Reporting Agency and with the company, requesting documentation to support their permissible purpose in accessing my file. They have failed to provide such documentation. Accordingly, pursuant to the FCRA, this inquiry should be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I paid a bill to XXXX XXXX in XX/XX/XXXX which was paid out on XX/XX/XXXX recieved by XXXX XXXX   on XX/XX/XXXX by electronic funds transfer but not credited to the account we have with them until the XX/XX/XXXX one day after the due date on the XX/XX/XXXX. this caused them to charge me a {$27.00} dollar late fee. Furthermore there was not a notification of the late fee until after I made the XX/XX/XXXX payment, once again on time but considered late because it did not include the {$27.00} late fee charged in XX/XX/XXXX. This caused them to charge an additional {$38.00} late fee for the XX/XX/XXXX payment. This sounds like compounded interest to me on an interest free loan by the mattress company XXXX XXXX. One must watch XXXX XXXX closely for this fraudulent type of activity.

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 07/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage loan was issued on XXXX loan on XX/XX/XXXX for amount XXXX and on XX/XX/XXXX my loan trasfered to Nationstar mortgage now my balance is {$580000.00} and when I ask the customer service how my mortgage balance increased by {$120000.00} they said since its transferred from XXXX XXXX they have no idea and I would like the consumer protection bureau to investigate the matter

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received a loan from XXXX XXXX in XX/XX/XXXX to Attend College at XXXX XXXX XXXX. I graduated in XX/XX/XXXX. I began repaying the loan to Navientas instructed in approximately XXXX XXXX, due to the fact that I couldnot afford the regular monthly payment, I was enrolled in the ratereduction program all payments were automatically withdrawn from my 'account by Navient . In XXXX XXXX I received correspondence fromNavient stating to contact them if I wanted to renew the rate reductionprogram. I submitted all information that was requested and was deniedenrollment in the rate reduction program based on my cosigner ability topay according to Navient representative XXXX XXXX because shebrought a new car and she should have brought a cheaper car which isjust as reliable and my cosigner would have been able to make $ XXXXmonthly payments. I submitted the form to release my cosigner from myloan, I met all written criteria for the cosigner to be released and was stilldenied by Navient. The $ XXXX monthly payment that Navient is demandingneither my cosigner nor myself can afford and will surely cause me todefault and ruin my credit as well as my cosigner I am asking for yourassistance in having Navient keep my payments at a amount that of nomore that {$380.00} which I can afford and also to please release mycosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have noticed an issue within my credit reports through XXXX, XXXX, and XXXX in regards to my account with Navient. I am currently showing a 90 day late payment from XX/XX/XXXX. This payment was late due to an error in the transition of XXXX XXXX to Navient. Prior to the transition, payments were made on time monthly which is evidenced by my account history. Due to issues with the transition, automatic payments were no longer being pulled and I was not aware of this. The lack of automatic payments caused by the transition led to the account being 90 days late. During that period, I never received any correspondence showing the account to be late. There was never anything in my inbox showing this and no emails ever notified me of it being late. I only realized it once I received my first ever account statement from Navient, in XX/XX/XXXX. At this point it was already 90 days late. I immediately scheduled payment to make up for the missed payments and kept the account current until it was closed through consolidation in XX/XX/XXXX. I am requesting that this information of a 90 day late payment be removed from XXXX, XXXX, and XXXX. Navient/XXXX XXXX did not do their part to ensure my account was kept current nor did they notify me when they canceled the recurring payments. This has led to a very negative ding on my credit profile that has led to a number of issues for me personally. Since this account is no longer open and unfairly hurting my credit, I would like for it either to have the 90 day late removed or remove the account completely from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX/XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 non-monetary relief