milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I Deposited XXXX Checks totaling {$14000.00} with my Account with Bank of America. My Deposit Slip says {$4800.00} would be available to me on Friday XXXX/XXXX/16 after XXXX. These Checks were from XXXX XXXX XXXX. My Deposit slip says {$9900.00} would be available on XXXX/XXXX/16 after XXXX. I knew I had money available according to my Deposit Slip, so I mailed off XXXX Checks. Checks # XXXX for {$360.00} ... .and # XXXX for {$1800.00} I have online Banking ... .on XXXX/XXXX/16 I was charged {$35.00} for each check as NSF, even though Bank of America ... .had the money, just has n't Deposited it in my Account. On XXXX/XXXX/16 Bank of America said they RETURNED the XXXX Checks. They did not. On XXXX/XXXX/16 Bank of America Cleared the XXXX Checks. They just wanted the {$70.00} in FEES. I went to my Local Branch in XXXX XXXX to NO AVAIL. Nothing they could do they said. 
Any HELP in this matter would be very much APPRECIATED. This Bank of America Lacks Integrity!!!!!

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 09/24/2016 about Mortgage (VA mortgage) with GATEWAY MORTGAGE GROUP, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I found fraud in the so called loan process i.e. servicing, and originating the credit. Notice was enacted of the violations on commercial law and common law. The mortgage servicer 's fraudulent activity has voided the contract and nullified the contractual obligation of the payee. I revoked the power of attorney and instructed the company to forward the chattel papers to the updated trustee. They refused to comply with my demand. Now, they are processing an illegal foreclosure of my personal property, which is not lawful because they sold their security interest when they transferred/ assigned my promissory note to an investor that is trading my " instrument/ note '' on the open market. All of this is not legal because in Alabama, all transfers/ assigns are to be filed with the county recorder 's office. 
The mortgage servicer, once mortgage lender, have no lien on my property, which makes the frivolous foreclosure process an illegal procedure. They committed securities and wire fraud by sending me a forged document ( a copy of the single indorsed security instrument ) via email communication. All incidents have been report to the pertained local and federal agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with WESTERN UNION COMPANY, THE (GA).
Issue: Fraud or scam

Complaint: I initiated the transaction to transfer the amount {$9500.00} to my XXXX account on XX/XX/XXXXand {$3000.00} on XX/XX/XXXX. Later on, i had to cancel both of transactions onXX/XX/XXXXas my family was in need of money early while transactions were taking much time. 

Then i followed up with Western Union about my refund amount and i was said i will get my money back within 3 business days.

I followed up again after 3 business days, i was said by customer associate that Western Union never got the money, chase with your bank ( XXXX XXXX XXXX in my case ). 

I followed up with my bank associate and they confirmed that mentioned amount has been deposited to Western Union already and they never returned it back. 

Again, I followed up with Customer representative of WU on Wesnesday XXXX and i was said that they are going to open 2 new cases for my issues and you will get it sorted out within 24 hours.

When i did n't get my issue resolved, i called to customer care again on XXXX but again i was said to wait 24 hours more. 

Now today isXX/XX/XXXXand i am still waiting to get my money back. I am having feeling that its like a scam or cheating as they even after more than 15 days, i am waiting for my money. My family in XXXX, who were in need of money, they had to borrow the money from other sources and paying hefty amount as interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Payday loan () with Delbert Services (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector.

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 11-03-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Dear Sir/Madam, Recently, Scottrade Brokerage made the following disclosure to customers : https : //about.scottrade.com/updates/cybersecurity.htmlI would like to know if Scottrade Bank was also involved in this databreach. 

Sincerely Yours,

Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Kohl 's will not fix a chain reaction issues that started with their site failing to work with XXXX XXXX. I have spent hours on the phone with Kohl 's and a woman named XXXX at the Kohl 's Headquarters gave me a number that can not be reached XXXX and the Receptionist confirmed the number correct and issues with calls going through. I have left messages and even emailed the board of Directors. I am getting charges each month and Kohl 's told me that I am in Kohl 's collection Department despite the fact I have never paid late. Kohl 's Promised to fix this and gave the director number to XXXX which I explained and will not resovled the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo harasses me via at work and at home multiple times a day, they have been told to stop calling, I make my mortgage payment every month, some times a few days late, but the relentless harassment is too much.

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 04/15/2015 about Credit card () with U.S. BANCORP (CA).
Issue: Advertising and marketing

Complaint: I applied for US Bank XXXX XXXX Credit Card in this XXXX and paid my XXXX annual fee in XXXX. The main reason for me to get this credit card is because the reward program advertised by US Bank and XXXX XXXX. At that time, the reward program says " Redeem Gold Points for XXXX or more consecutive Award Nights and the last night is free ''. However, I just received my XXXX statement in which it says this program is going to be changed in XXXX XXXX. The benefit mentioned above was removed. In my opinion, this is a bait-and-switch, the new program is not attractive at all. I feel extremely unhappy because US Bank and XXXX XXXX change the program suddenly within XXXX months after I got this card, and just give me one month to book my reward stay in order to use the benefit before it is gone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
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 UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 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 explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: World Acceptance Corporation called my boss 's PERSONAL CELL PHONE trying to reach me. He asked them how they got his number, and the person replied that it was printed on my paycheck stub. ABSOLUTE LIE. We would never print ANY personal cellular numbers on our paystubs. They must have done some digging to find out who owns the company I work for. 

Meanwhile, I do n't receive calls to my personal phone number from them. I do get random " Unknown '' phone calls, but when I answer, there is never a response from the other end, so I 've started sending them to voicemail. No message is ever left. This is HARASSMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. 

The account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, 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 03/22/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried to submit a loan modification to P.N.C BANK back on XXXX/XXXX/2016 and they asked for all documents that i have provided to them and then they deny my modification due to them claiming I do not make enough but I actually have a positive surplus of over {$900.00}. 
I was denied loan modification on XXXX/XXXX/2016 and appealed the decision but then I receive a denial letter on appeal 3 days later. I know that by CFPB guidlines i have at least 30 days to appeal but PNC stated that since appeal process is not 90 days before sale date they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Extr a 20 checking. EXTRA20 BILL PAY BONUS. EXTRA20  DIRECT DEPOSIT BONUS.       I was told by,  XXXX   XXXX ,  Santander Personal  Banking Representative this savings account was not a promotion and I would receive {$20.00} forever as long as I had the account. The  Santander fl yer also states the same.  XXXX / XXXX / XXXX  was the last {$20.00} that was made. When I called  Santander C ustomer Service at  XXXX  and spoke with  XXXX   XXXX  ; he informed me the promotion was over. I told him I had not received any information fro m Santander regar ding this and th e Extra   XXXX  checking was not a promotion.   On  XXXX / XXXX / XXXX  I spoke with local branch employee,  XXXX   XXXX , and he agreed it should be honored and many customer 's are upset they discontinued it without any notification to their customers.          XXXX   XXXX   XXXX  ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  Personal Banking Representative NMLS ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  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 09-02-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article 809a of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Mortgage debt) with STEWART INFORMATION SERVICES (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: So, this guys ( Below ) have falsely put a collection on my credit report. 
after several times letting them know that they owe me money. 
this am assuming that this guy is from XXXX XXXX people, That very bad company that is now XXXX XXXX XXXX is trying to collect instead i told them that they owe me an over charge of XXXX and they are not paying and now they have the audacity to try to collect. I demand the return of XXXX to me and immediate removal from my credit account. 



Payment Status : I C SYSTEM XXXX XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX XX/XX/2018 Collections

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 10/29/2015 about Consumer Loan (Installment loan) with EXETER FINANCE CORP. (CA).
Issue: Problems when you are unable to pay

Complaint: I obtained a loan from Exeter Finance Corp with an interest rate of 22.9 %. After making approximately 12 months of payments I began the process of purchasing a home and secure a mortgage. I was informed that my auto loan with Exeter contained a outrageously high interest rate, high payment, and the vehicle had around {$5000.00} dollars in negative equity in the vehicle. I was informed by lenders, my legal counsel, and the veterans home loan association, that I would still be able to obtain loan provided Exeter reported correctly and only reported a repossession to the credit bureaus. Exeter has wrongfully reported that I was late in paying on my account, and has subsequently caused me to insure a financial loss of {$30000.00} dollars. After speaking with XXXX, in the escalations department and offering Exeter a settlement offer, XXXX told me I would receive a call back from XXXX XXXX, however, I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received letter statin g that Pinnacle Credit Services ( letter is fro m  XXXX   XXXX   )  has purchased a referenced account from another creditor. The original creditor is listed as  XXXX   XXXX  Bank, then  XXXX   XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with   XXXX    XXXX  other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call  XXXX  I can not reach anyone at all and the message just repeats itself over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.

Company response to consumer: Closed with explanation