milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (DE).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my 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 explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: A COMPANY CALLED " XXXX XXXX XXXX '' received reports from SUNTRUST BANK NA ON XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. <P/>They have accused me of improper banking and I never received a warning during the time I had THAT account with them. This agency XXXX can hold reporting information to other banks & financial instituitons for FIVE YEARS. I FIND THIS TO BE A PROBLEM AS I AM A HOMEOWNER AND WILL NEED TO OPEN ANOTHER HOME RELATED BANK PRODUCT. <P/>I HAVE SINCE HAD AN ACCOUNT WITH THEM IN XX/XX/XXXX AS WELL.

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 04/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I used Ba nk of America '  s online Bill Pay function to send two pay ments to my other financial institution ;  XXXX  for {$75.00} for a credit card payment and  XXXX  for {$78.00} to cover my auto loan on  XXXX / XXXX /  XXXX  . The other financial institution rejected those payments on  XXXX / XXXX /  XXXX   because they said the account numbers did not match what they had on record. The processing time on their end to send back to B of A was 2 days, which means B of A would have received the rejected funds on  XXXX / XXXX /  XXXX  . B of A has refused to issue my account a refund for the total of the payments and denied that the payments were not received by the other financial institution until I had a  XXXX  telephone conversation with my other bank and a B of A representative. They still refuse to refund my money and have no explanation as to why or where my money is.

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 02/28/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (PA).
Issue: Trouble during payment process

Complaint: I close in my home ( XXXX XXXX XXXX, XXXX XXXX Florida XXXX ). 
Attached all documents related to this closing of my home in XX/XX/XXXX. 
I moved many times after I sold the house and somehow I continued paying the bill thinking that I owed them after the closing. I stopped paying the bill as soon as I contacted the Title company and they sent me the copies of the cancel check. I contact Chase in XXXX and sent them all the documents of the closing. I tried to talk to them at that moment but they know how to harass but they never gave me feedback or anything to resolve the situation. Suddenly, they stop harassing and sending letters. I thought that this was resolve until I receive the 1099-C. 
Yesterday, XX/XX/XXXX, I called the phone number that is on the letter received XX/XX/XXXX ph:XXXX x. XXXX XXXX XXXX and sent for the second time all the documents via fax ( XXXX ). Today, I called to follow up and verified that she receive the info. She confirmed receiving the documents and also she sent a dispute notification to research about this claim. She stated that I should call them back in two weeks or so. 

I dont think anyone should go through all this if this was paid off. 
I want to report Chase with address : XXXX XXXX XXXX, XXXX CO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Financial Freedom LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A Complete Short Sale Package was submitted to Financial Freedom on XXXX/XXXX/16. 

XXXX XXXX is the assigned negotiator - XXXXXXXXXXXX. 

There is an upcoming foreclosure date on XXXX/XXXX/16. 

XXXX refuses to answer our emails or phone calls. 

We found out today that absolutely nothing has been done on the file at all. 

**We have an upcoming foreclosure date on XX/XX/2016XXXXWhat is going on??

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Back in 2011 my Notary sent an administrative process to XXXX XXXX XXXX using a Private Registered set-off Bond for XXXX. They never returned the negotiable instrument therefore it is discharged according to XXXX XXXX they refused the payment by sending me a frivolous letter. Then they transferred the mortgage to the current third party which is Select Portfolio Inc. SPS reinstated the foreclosure process and I saved the house by entering bankruptcy. Now I have sent another XXXX private forms of payment-an EFT check and an XXXX - ( also sent to IRS in XXXX KY XXXX. They did not return the EFT check-another example of XXXX, XXXX XXXX and Public Law 73-10 which states that institutions are not allowed to pick and choose what types of payments they can accept. By not returning my instruments these service companies can enrich themselves at the discount window without granting me credit on my mortgage. This would be considered Grand Theft. I demand that they release the lien on my property immediately and restore my good name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked XXXX XXXX today, and there are 2 Hard Inquiries made on my Credit Report from the same company on 2 different dates that I am not aware of ever submitting. the company is ONEMAIN FINANCIAL the dates are XXXX XXXX XXXX and XXXX XXXX, XXXX. 
Which has resulted in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from XXXX and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the XXXX loan. I never received the Capitol Gain, but did pay taxes on it. Specialized Loan Servicing LLC has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you

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 01/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I applied for a XXXX XXXX secured credit card, o was denied. Do I went to XXXX XXXX. One there I pulled up. I pulled up three credit reports. Had one negative remark with XXXX, it wzas gor the original {$300.00}. I then attempted to go to Wakefields website to see if I could get any info. Well it required an account Number which I didnt have, I called them spoke with a lady named XXXX she states there is more than {$300.00} on my account I asked her to send me records with all We. on them. Well on XX/XX/XXXXI received an invoice from them for only the additional charges not the {$300.00} we stayed with was not on there at all.They are located at XXXX XXXX XXXX, XXXX Tenn their phone number is XXXX. Now on XX/XX/XXXXI wrote them an email expressing that I did not understand why The amounts the had and the amounts credit reports showed was two different figures. Today onXX/XX/XXXX I received the invoices

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 10/16/2016 about Debt collection (Medical) with Grant & Weber (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Item Loss of income XXXX % Penality of XXXX withdrawal {$700.00} XXXX % loss of future investment {$560.00} Labor and costs involved in letters and telephone calls {$100.00} Total requesting {$1300.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and someone try opening up account in my name so there are a lot of inquiry on my report with TransUnion and XXXX, XXXX XXXX/XXXX/2016 I already have an account with them, XXXX XXXX/XXXX/2016 never open any account with them, XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX/2016

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On Equifax Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On Equifax and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, Equfiax, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my credit report. Account statues is incorrect. Student loans are showing inaccurate.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been trying to get a car finance throw my Credit Union, I was given an phone number to call, for Equifax which I continue to have issues with. They REFUSE TO CORRECT MY CREDIT FILE. I use my original birth name, and I have to get the sex corrected on my original birth certificate.

I called the phone number to Equifax, and ask them to remove my Security/Credit Freeze, so that I could try and get a car financed.

However, Equifax continues to update my Credit File, and once my Credit Union ran my credit report, I wanted my Security Freeze and or Credit Freeze back on my Credit File.

I need the correct pin number to access my credit file, and I need an new number for my Credit Freeze and my file was updated.

I was told the Credit Union faxed over information about me : Social Security Card Drivers License Utility Bill Equifax on the phone while still at the Credit Union to me that he was faxing over my information, and that it would only take a few minutes, However, when I called Equifax back, the Customer Service Claims that No One talked to me, and now my information, after the Credit Union Faxed over my Documents. 

I have not been able to reach anyone at Equifax, this happen on XX/XX/2018. 
The Credit Union Branch Manager XXXX XXXX, was very patient with trying to help me. 

I tried calling the Federal Bureau of Investigation, but the Bureau hung up the phone. 
Someone is accessing my information, and trying to steal my " Inheritance ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately XXXX Account # 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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company I disputed debt and account was deleted six months ago. Company has  now went re-added this to my report. This account is not mines. I dont know who it belongs too. 

XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores. 
ALERT DETAILS Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$3800.00} Is anything incorrect? Visit our Disputes Guide

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently pulled a copy of my credit reports and found inquiries from Wells Fargo EFS. I reached out to the company on XXXX/XXXX/XXXX, spoke with rep " XXXX '' but she did not provide any additional identifying information. She explained the inquiry was from a joint application for a student loan. I have never done a joint application and I do not need private student loans as I receive federal student loans. Per the Fair Credit Reporting Act, all information reported to a credit bureau must have validated proof they belong to the reported account. This is usually done with a validated signature and a copy of a current photo ID. I do not believe Wells Fargo posses either of those documents and therefore the accounts can not be validated and must be removed from my credit report.

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 02/17/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sent a letter to PRA about a fraudulent collections acct opened in my name & they refused to delete it from my credit report & harassed me with calls. I sent a certified letter to Portfolio Recovery Associates ( PRA ) on XXXX/XXXX/17 regarding a fraudulent credit card account that had been opened in my name and then sold to PRA as a collections account. I explained that I had my identity stolen on XXXX seperate occasions in the last 6 years and I 've even had to be issued a pin every year for my taxes as the criminals who stole my identity also tried to file fraudulent tax returns in my name. I offered to settle the debt at 50 % of the amount owed even though I acknowledged that it was not my doing to begin with. I offered this because I 'm trying to finally have this account as well as others related to the identity theft removed from my credit report. I also asked that PRA not contact me via phone at all regarding the matter. PRA sent me a letter with copies of the credit card statement alledging that I did indeed open the account with no response to my offer to settle the account by paying {$520.00} in exchange for it being deleted from my credit report. In addition, I started receiving harrasing phone calls from PRA starting on XXXX at XXXX XXXX and again on XXXX at XXXX XXXX, despite my explicit request to be contacted by mail, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Problems caused by my funds being low

Complaint: I 've been a customer with citizens for years I manage my account very well I have a high credit score. I logged in and saw past 7 weeks I been charged XXXX $ in fees but I ca n't figure out how and why. My math and log ins were spot on I did n't miss anything. I went into the bank called XXXX supervisors and they said I 'm lucky they gave me XXXX $ back which was XXXX of the XXXX charges I concurred. Yet NO ONE CAN PIN POINT EXACTLY WHY THIS HAPPENED!!! I 'm sickened by this as I DID NOT make a mathematical error or forget to log in XXXX They said " we have next day funds available '' but then said maybe it because checks did n't clear but no one can tell me what checks did n't clear and when!!! I 'm looking for proof of what happened precisely and hitting blank stares and I dunno how to help u more. I feel I 'm being toyed with and need help this is robbery and a scam of the banks! They used to send letters but said now they do n't u have to look online so thy make it even easier for any mistakes to happen! This is not protecting ur money or interests it 's preying upon the weak or busy or unknowledgable and making them confused so they give in to this XXXX dollar scam! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (OR).
Issue: Managing the loan or lease

Complaint: I had a account with Honda Financial that was paid off in XXXX of this year. Apparently there were additional amounts owed on the loan from previous late fees. My automatic payment went out for the last payment and cleared. By the time that I was able to cover the extra $ XXXX in old late fees my payment posted 3 days over the 30 day limit. They reported TWO 30 day lates that are showing on my credit and it has made it impossible to close escrow on the house that we have in escrow to buy. 
This effected our XXXX by 60+ points and is totally unfair! They have refused to do anything about this and I am hoping that you can help. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with Williams & Fudge, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently retrieved my credit report and found out that there is an outstanding {$120.00} balance from my current college, XXXX College, that was apparently sent to collections and has still not been paid off until this date ( XXXX 2015 ). I work at the XXXX and I have reviewed my personal account in detail a XXXX times, and never have I seen an outstanding balance nor any evidence that my account was ever sent to collections.

Company response to consumer: Closed with explanation