milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/15 I transferred {$100.00} into my checking account anticipating a transaction for life insurance on an average day the transfer from my savings account to my checking is normally immediate but Wells Fargo charged me an over draft fee because I have a pending bill pay I want to know how can you charge an overdraft fee on something that is pending I think Wells Fargo is always trying to stick it to the little man

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.

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 01-11-2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (AE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX began calling us on XX/XX/XXXX 2017, the claim was not identified at the time and the caller was extremely aggressive in trying to collect a debt of {$220.00}. Once I explained to them that we are stationed overseas so it was past XXXX ( XXXX local ) which violates their rules as well we have no idea the service because she did not identify the claim at hand. She was even more aggressive in trying to collect to which I cancelled the call and blocked the service provider. Since then we would still receive multiple calls from the service from different numbers throughout the morning and the course of the day and late into the evening. The calls became harassment very quickly with no information on the claim, finally I was able to force a caller to give us the claim information which came to XXXX XXXX XXXX under XXXX XXXX. The issue is we have never heard of this company and we only had one provider for the past 3 years how we contacted and said our account debt free since we left the country. The caller became angry and refused to give any information stating to google it ourselves and I cancelled the call. After speaking to all of our banking services and checking our credit reports we saw no sign of this magical debt we apparently owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I was approved for the Chase Sapphire Reserve card on XX/XX/2016. I applied for the card because I had upcoming travel XX/XX/XXXX and XX/XX/XXXX, and wanted the " Priority Pass Lounge Access '' which is stated as a benefit on the Chase website : " Access to XXXX+ airport lounges worldwide with complimentary Priority Pass Select membership. '' Hidden in the terms of service, Chase explains that you must " activate '' this benefit first on their website. After learning this, I activated the benefit on XX/XX/2016 and was told I would receive a card in 2-3 weeks. The Priority Pass card never arrived, so I followed up with Chase Customer Service and was told another card would be sent. Two weeks later, I have still yet to receive this card and I am unable to take advantage of this benefit. 

Chase 's website and terms of service do not disclose that card members may experience a significant delay in their ability to access this card benefit. As such, I believe their website is misleading potential card members to think that this benefit will be immediately available after " activating '' their Priority Pass membership online. 

The terms simply state : " Complimentary Priority Pass Select Membership One time activation required. There is no additional cost to activate your membership and certain terms, conditions and exclusions apply. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. To access a lounge, member must show his/her valid Priority Pass Select membership card. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and not in default to maintain membership. For complete Priority Pass Select Terms and Conditions and a listing of participating lounges, please visit XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 12-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I am seeking the help of this agency and would like to file a complaint against Ditech Financial LLC, mailing address is XXXX. XXXX XXXX, XXXX XXXX, SD, XXXX. This institution currently holds a Mortgage loan on my current residence. I have been a client of theirs for over one year, as a result of the mergers of the original company i signed my mortgage contract with. As background, I have never been late or missed a mortgage payment with either the prior mortgage company or with Ditech. I have paid exactly the amount Ditech sent to me every month per their billing statement. XX/XX/XXXX, they are demanding I pay an additional {$3500.00}. When I questioned the reason there was no explanation provided to me. There has been no increase in my real estate taxes as confirmed by my county and no increase in my home owners insurance. Both resources confirmed for me this fact. When notified by Ditech of the increase, I sent them a request asking for an explanation and I have not received a response. I have called them on multiple times, indicating that I will now pay my homeowners and taxes separately and that I will now only pay them principle and interest charges for the loan. As a result I prepaid my real estate taxes through XXXX XXXX, XXXX and sent Ditech a receipt showing the tax is now paid. I have also for the last three months paid my principle and interest payments on time. I have receipts of all transactions. 
My rationale for paying my taxes and homeowners separately at this point is that Ditech has not demonstrated to me the competancy of computing and paying my taxes on my behalf. I do not understand their computation and they refused to respond to my questions. The only response I did receive is " Your mortgage payment is now 60 days past due and your account may be referred too for foreclosure. Ditech financial LLC has tried to contact you previously to make you aware of the foreclosure prevention options that may be available to you. In case you are unable to bring your payments current ''. 
I completely disagree with their statement.

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 03/29/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They are reporting a bankruptcy on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am XXXX of the effected from the hack

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: **This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 04/25/2016 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (AK).
Issue: Loan modification,collection,foreclosure

Complaint: My ex-wife tried to refinance her home, the home had a 2nd on it from HFC. The loan would go through because HFC reported that I still owed money on the loan. HFC reported that I owed {$5000.00}, plus interest for the last 5 years, meaning I owe them {$10000.00}. 
The 2nd from HFC was included in my bankruptcy 5 years ago. The debt was paid and the bankruptcy court sign off on my case about 5 years ago. 
I believe that HFC is acting in bad faith by not accepting the payoff, in addition they have had the 5 previous years to notify me of this debt, they have n't, nor does a failure to pay a debt show up on my credit reports. I believe HFC is wrong. 
If HFC underreported the debt owed, they had ample opportunity during the bankruptcy process to amend the dollar amount of the debt. HFC never corresponded with the Trustee who was managing the bankruptcy account or the courts. I believe they purposefully are trying to act in a fraudulent manner to take money that they are not owed on the 2nd trust of deed. I want HFC to sign off and take the lend off the debt that was paid off by the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NV).
Issue: Other service issues

Complaint: I tried to close my Paypal account. PAYPAL said no that they want me to verify my bank accounts and credit accounts first and several other personal pieces of information. I owe this company no money and therefore I should be able to close my account when I WANT TO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: Chase has been calling in reference to a Debit Card. I opened the Account in the XXXX XXXX. There was an error on the account. The Bank told me not to worry about the account. The account was still open. Now, I am being harassed for {$84.00}. Please have the Bank explain what happened. I did not put the {$84.00} in my account. I spoke with the bank about it and they told me not worry about it. So, I am just wondering why they are calling me stating that the account has been charged off. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I closed the XXXX XXXX credit card account.

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 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with JPMORGAN CHASE & CO. (LA).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: XXXX did an inquiry and I do n't know why

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: A change was made to my mortgage without my knowledge, increasing the monthly payments. No support documentation has been provided to me explain how or why this increase occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Struggling to pay mortgage

Complaint: We attempted to sell our home in a short sale. On XX/XX/XXXX, Shellpoint Mortgage informed us that our short sale was approved, with an offer price of {$500000.00}. Due to an issue with junior lien payoffs, the approval letter expired, and we were forced to start the short sale process over again in XX/XX/XXXX. After several months of back-and-forth regarding a document that Shellpoint had originally approved, but later demanded needed repeated conflicting edits, we were informed that all documents were submitted into the file. Shellpoint then told us that while we were working on the edits to the document, the broker price opinion had expired and needed to be renewed. They then told us that the BPO came back with a value of over {$640000.00} - an increase of {$130000.00} in four month 's time. We sent in a value dispute and they refused to review it. They are now setting a foreclosure sale date on the property. We reviewed the BPO and found the comps to be questionable in that there were several comps in the area that presented a more similar and accurate representation of the value of the property, which was closer to the originally approved offer price. We believe this is an attempt by Shellpoint to manufacture a reason to decline the short sale to take back the property, and/or a lack of due diligence on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation