milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Credit card () with U.S. BANCORP (WY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 'm trying to get a mortgage, a credit report was pulled on me for the first time in many years. It revealed a credit card account with an account balance of {$6000.00}, opened in XXXX of 2007, with USBank. I know nothing about this account, and have never had an account with USBank. Someone has been making payments of {$40.00} per month on the account and my credit rating has thankfully not been impacted. 

I checked with USBank, a branch office in my town of XXXX Wyoming, and they have no record of me, or of the account. 

I filed a dispute with XXXX, they said it will take 30 days. I 'm trying to get a mortgage and I need this removed from my credit report asap. I want USBank to get on this right away, I ca n't afford to wait 30 days. 

I 'm afraid that an employee of USBank has fraudulently opened an account in my name and is making payments on it to disguise its existence, and it only became apparent when my credit report was pulled.

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 03/27/2015 about Bank account or service (Checking account) with BB&T CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: XXXX Transferred my checking account to BB & T. However they did not send my savings account. In the transition they set me up with a new BB & T account login online, but did not provide me with the information or attach my email. The settings on my checking account were not carried over. 
XXXX Account : Overdraft protection - Would not allow transactions that would overdraft my account. Would transfer money from savings if an overdraft occurred. 
BB & T Account : allowed account to continue to go negative, assessed me {$180.00} in overdraft fees in XXXX dayI was not able to go online to monitor my account, I called XXXX times in XXXX days to get assistance with logging in online and was on hold for over XXXX min each time before having to hang up because I was working ( working XXXX hour days for a project ) Was told debits and credits would be transferred between accounts. However when my company attempted to deposit my check it was rejected. As you can imagine I am not a happy customer of either XXXX or BB & T for being so thoughtless to the customer. I wanted to go close my XXXX account on XXXX before the transfer, since I opened a XXXX XXXX account to use, and to my surprise all of the XXXX branches were closed and I had no way to close it. 

I want all of the debits and anything to stop hitting this account. I want for everysingle overdraft fee to be refunded. I want to pay the balance that was actually paid on my behalf and I want this account closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other

Complaint: i have apply for credit card at Brclysbank DE but i was turn down in the report i send you with the attachment on page XXXX at the top brclybank DE is on my report as a creditor i did not get any credit card i have call the company and they say something about deletion letter

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 03/29/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

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 07-10-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account is reporting on my XXXX credit report for {$96.00} contract date X/2014. I have never been notified of this debt and I have never entered into a contract for services with CCS Collections. I have requested this debt to be verified and validated and I have never received either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am not the one the company is attempting to collect a debt from. I continuously receive automated phone calls that do not allow me the option to stop contact. These calls happen at least twice a week, usually always on a Monday and sometimes on either Thursdays or Fridays ; happening since I received this new phone number back in XXXX 2016. The person these companies are trying to collect a debt from is not me as the name they have stated on the recordings/voicemails. I have added my number to the Do Not Call registry but that has not affected these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am currently requesting that XXXX  surpress and freeze my information from being shared with any and all other parties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I had XXXX ( XXXX ) checking accounts at Wells Fargo. I banked with them for probably 20 years. On XXXX/XXXX/16, I received an email from Wells Fargo notifying me that one of my accounts had been enrolled in the QuickBooks or Quicken Direct Connect service. This email indicated that there was fee for this service. As I had never enrolled in such a service and was not interested in it, I called the number listed in the email -- the Wells Fargo 's customer service for personal accounts telephone number ( XXXX ). The person I spoke to informed me that her records indicated that I was not enrolled in any such service. She told me the email I received was a phishing scam ; she directed me to forward the email to XXXXXXXXXXXX and delete the email. I did. Later, I received a printed letter ( attached, dated XXXX/XXXX/16 ) from Wells Fargo thanking me for enrolling in the QuickBooks or Quicken Direct Connect service at Wells Fargo. After that, I closed both of my accounts. Then, I received two emails ( attached ) notifying me that both of my accounts could not be charged for this QuickBooks/Quicken Direct Connect service.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a request for an investigation regarding an erroneously reported account by Child Support with Equifax. Equifax sent my letter to XXXX XXXX, which invaded my privacy as XXXX XXXX has and had nothing to do with Child Support. Not only did they send my personal information regarding my credit but they also sent my social security number, date of birth and address. This was wrong of Equifax to o this and possibly damaging. they should not have been so careless as consumers put their trust in the credit bureaus. I sent Equifax proof that this account was paid and they did not bother to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I paid my XXXX bill through XX/XX/XXXX and had my service disconnected. XXXX wanted {$200.00} more so they charged my credit card {$200.00} without my knowledge or consent. I have disputed the charge. XXXX XXXX returned the {$200.00} to me. I have attached a document to prove this. I believe this is a case of age discrimination. I am XXXX years old. 
They charged a card that I rarely use, which I think, was an attempt to hide the theft. Since my service was disconnected on XX/XX/XXXX, what is this bill for? I am sending proof that I have not missed any XXXX payments to XX/XX/XXXX. All XXXX bills are paid one month in advance.The last bill I paid was XX/XX/XXXX. This bill was for XXXX. I have proof the {$63.00} charge is for XX/XX/XXXX. I am also sending proof that a XXXX statement states I do n't owe the bill. They must have decided to charge me the {$63.00} after they failed to steal the {$200.00} dollars. On one statement it shows all equipment was returned yet XXXX still decided to charge me {$200.00} plus {$61.00} the total {$260.00}. The physical address on all XXXX statements is not XXXX XXXX XXXX XXXX, Arkansas XXXX. I have moved in the last month. XXXX has turned this over to Receivables Performance Management XXXX XXXX XXXX XXXX XXXX, WA XXXX for collection. The XXXX statements prove I do n't owe the bill. I will upload all statements. Both XXXX and Receivables Performance Management have harassed me constantly. Receivables Performance Management did so without checking to see if I owed the bill. 


XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas 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 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS USA, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was from an apartment complex I used to live in. When I moved out they wanted to charge me XXXX dollars for a " smoke cleaning ''. Issue is, I have never, nor did I ever smoke. When they attempted to collect the debt, I asked them to show me the receipts and reports from the machine they had to use and they said they would get back to me. Several weeks later, I never heard anything and I now have a collection report on my credit account. I would like this removed and either be provided proper proof and documentation that they got this machine, or for them to retract the debt. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Other mortgage) with BANK OF THE WEST (CO).
Issue: Credit decision / Underwriting

Complaint: I was quickly and thoroughly pre-approved for a 15 year mortgage on a used RV. Once I identified the RV, I submitted all information requested to complete the loan. Since then, I 've had zero communication from them despite repeated email and phone messages. As a result, I lost the RV I was pursuing and the deposit ( $ ) I placed on it. I have XXXX credit and was pre-approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I have double charges by merchants, and very large unacceptable fees by bank. 

I have had double charges by merchants for many many years, this has caused my banking to become a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello I 'm having an issue with Amex I paid my bill on time with perfect payment history using the card to fund my business as I was allowed to do then they decided to cut my card off which is fine. I called and explained to them that by cutting off my card slows my business processing and I would need time to pay the bill. They said they could n't help me and I needed to pay in full I explained I paid you guys perfect for a year and I 'm not trying to not pay I need more time to pay so I set up a few payment arrangements in which I kept and paid. They told me I was n't paying enough I never missed a payment I paid them what I could every month nobody would work with me. I 'm currently in the middle of buying my home and saw my score decrease tremendously and could n't understand what happen which puts me in jeopardy of loosing my home ownership opportunity. I reviewed my report and Amex placed a collection on my report  with no phone call or debt validation letter. I supposed to close on my house this Fri XX/XX/XXXX and now I 'm not sure what will happen. I paid them and never missed any payment and I explained to them I could n't pay in full but I am trying to resolve the debt and nobody would help. I do n't think its fair that I take that big of a hit for a debt that I been continuing to pay and they not acknowledging my efforts or even offer a solution to help but to just place a collection on my report without any notice

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: i called the collection agency for my debt verification. but they cant verify it. and it wasnt on their system. and said that they will remove it on my credit report. its been 2 months i believe but its still shows on my credit as open and with negative information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I had a really bad experience dealing with citibank mortgage department. They gave me a pre approval for a $ XXXX loan based on all the documentation that they asked for. And based on that I went ahead on a contract for a property in XXXX. Nothing changed at my end, all the docs and financial situation remained exactly the same as it was at the time of approval. During the approval time, they made me spend {$1300.00} USD on appraisal process, stating clearly that it will be returned back. And when the appraisal came back fine, they said my financial situation is not good for giving a loan. When I asked them what has changed since the time I took pre approval, they said nothing. Now for last 2 days, I am asking them to credit back the money which they charged and they are not communicating with me. Absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX - XXXX XXXX XXXX DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX {$550.00} OPEN ACCOUNT {$550.00} COLLECTION ACCOUNT XX/XX/XXXX {$550.00} This account should be closed not opened because they charged an overcharge for am agreement not legally appropriate since I never signed to extend my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Settlement process and costs

Complaint: We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2016 about Student loan (Non-federal student loan) with EOS Holdings, Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I want my loan to be look into because I just do not agree with how much I am paying for this loan Program Principal Interest Penalty/Fees Total Debt Balance XXXX {$13000.00} {$690.00} {$0.00} {$14000.00} Total {$13000.00} {$690.00} {$0.00} {$14000.00} Payment History Payments that have been made towards paying off your defaulted federal education debt are listed below. This information is listed in chronological order with the most recent payments near the top of the table, and oldest payments near the bottom. 

To view the remaining balance outstanding on your defaulted federal education debt, click here. 

NOTE : Only payments made directly to the XXXX Default Resolution Group are listed here and not any payments sent to guaranty agencies or to the Department prior to when the debt entered default. 

Payment Effective Date Payment Type Payment Amount Applied to Principal Applied to Interest Applied to Fees & Charges XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$32.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$35.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$190.00} {$0.00} {$150.00} {$37.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX REAPP {$0.00} {$0.00} {$26.00} {$0.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$140.00} {$34.00} XXXX/XXXX/XXXX PAYMENT {$170.00} {$0.00} {$170.00} {$35.00} I have not pay any on the principal yet

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (I do not know) with JMS Associates, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX from JMS Associates ( XXXX ) XXXX called our office asking for XXXX XXXX who is an old associate of this company. The gentleman advised that it was impertinent he speak with XXXX this instant regarding a financing settlement in their office and pushed and used aggressive speech and tactics to try to get me to give away XXXX contact info. I advised him that XXXX no longer worked in this office and he rudely replied again in an aggressive tone that this is the number XXXX provided, as if I was lying about XXXX no longer being affiliated with us and demanding to get his contact info. Once again I said to him that he was calling an office line and that XXXX no longer worked here but that I would take his info and give XXXX the message. We hung up. The next day the same guy calls me with the same tone, I reminded him XXXX no longer worked here but that I did him the favor of giving him his info for him already and that he was not to call this office anymore. He began yelling at me telling me I did no favor for him and that he had every right to call and that I had no idea what I was talking about and proceeded to harass and use aggression and yell at me with rude behavior until I finally hung up. This is a violation of section XXXX which constitutes a {$1500.00} fine. This man # XXXX should not be discussing someone elses debt with me over the phone and telling me about XXXX settlement and I am not the debtor nor is he allowed to use those tactics with the debtor. He also did not identify himself as a debt collector when calling. He said he was a law office calling about a financing settlement. When I look online it is clear this office is a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.

Company response to consumer: Closed with explanation