milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: So Ive recently checked my credit report on XX/XX/XXXX, and I had noticed that the number of inquires on report are through the roof. I had been in disbelief, and I had good reason to be XXXX credit inquires were reported on my report that I had recollection of no did I approve of the hard pull on my credit. So I sent an email to all three credit bureaus, XXXX, Experian and XXXX explain that I would like to discuss why these inquiries are on my report if I did not have any knowledge of them. All three Credit bureaus declined my requests when I called in XX/XX/XXXX, the three names I had gotten from the associates were XXXX for XXXX, XXXX for Experian, XXXX for XXXX  they had argued with me and kept blaming me for the mistake on the report when I wanted some help to understand the situation. The customer service was terrible for all three companies, they made me feel guilty for calling, I would like your help to please help me get the customer service not only I that deserve but what others deserve too. The list of inquires are listed below : Experian/XXXX/XXXX : 1. ) XXXX XXXX XXXX  Date : XX/XX/XXXX 2. ) XXXX Date : XX/XX/XXXX 3. ) XXXX XXXX XXXX Date : XX/XX/XXXX 4. ) XXXX Date : XX/XX/XXXX 5. ) XXXX XXXX XXXX Date : XX/XX/XXXX 6. ) XXXX XXXX Date : XX/XX/XXXX 7. ) XXXX Date : XX/XX/XXXX 8. ) XXXX Date : XX/XX/XXXX 9. ). XXXX Date : XX/XX/XXXX 10. ) XXXX XXXX XXXX Date : XX/XX/XXXX 11. ) XXXX XXXX XXXX Date : XX/XX/XXXX 12. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX 13. ) XXXX XXXX/ XXXX Date : XX/XX/XXXX These are the XXXX inquiries I desperately need off my report I didnt authorize these credit pulls. I do not remember them and its cause me emency about of stress and pain this is cause me emotionally and this is me asking for help desk, please have these removed. 

Sincerly, XXXX XXXX XXXX Email : XXXXXXXXXXXX Phone : ( 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 07-01-2016 about Debt collection (I do not know) with Caliber Home Loans, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After I faxed in a " XXXX, '' and an " AFFIDAVIT OF SURVIVORSHIP with XXXX XXXX XXXX 's DEATH CERTIFICATE '' added as an EXHIBIT " A '', my true and lawful Attorney-in-Fact, FULFILLING THE LAW CENTER has been in contact with CALIBER HOME LOANS, INC., from Friday, XXXX XXXX, 2016 to Friday, XXXX XXXX, 2016 that I nor anyone else is responsible nor am I the surety for a debt that only XXXX XXXX XXXX signed and made a promise to pay.

Company response to consumer: Closed
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I refinanced my first and second mortgage, which included money for payment on my Auto loan, credit card and student loan. I received checks for each pay off made out to each lending institution. All were accepted and the respective loan payed off, except the one to Navient. They keep rejecting the check saying that the bank account is invalid.I have attempted to pay them at least 4 times now. Each time they tell me that the bank account is not valid. I now have late payments listed on my account because they wo n't accept the pay off. If the account number for the bank is not valid, why did n't the other lending institutions have difficulties?

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2017 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # 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 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the past several, years I have gone on line to try to obtain free report and have been unable due to not be able to enter the jungle of numbers/laters OR not seeming to get the numbers things correct such as today about XXXX to XXXX question related to XXXX and all were not related to me or my history,. they were on a mortgage and I have XXXX not since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.

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 11-12-2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have previously submitted a complaint with you guys. XXXX. We have now been forced to short sell our home. Its on the market and has n't even been released from our bankruptcy as of yet. We are seeking legal help and trying to seek help from every agency we can. My husband and I are begging you guys to please look in to all the complaints this company has against them for the same reasons. Please review our former complaint filed with you guys. We need help ASAP. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America has had my husband 's and my SSN wrong in their system for the past three years, and refuse to consult my original loan documents to correct it. My credit has been impacted along with my sanity. For the past three years, they have mailed us letters in XX/XX/XXXX advising that our Tax Identification Numbers are incorrect, and request that we complete a XXXX form. I 've already done this, and I 'm not comfortable sending this sensitive information via snail mail AGAIN. I 've contacted their CS phone number to discuss this issue, but was only told that my issue was being referred to " the back office '' and advised that I would receive something via mail in 7-10 days. Then, I also tried writing to them via their website, but was merely told to call CS again. The correct SSNs are contained in my original loan closing documents, which BoA has, so I expect them to consult their records and update my account information accordingly. Stop being lazy and requesting me to furnish information they already have on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Procollect Services LLC (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid all of these to pro collect in full right away. They told me they would not reflect my credit as they are paid in full and they still have them open and they should not be as they are paid! They should not be open.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a address listed on my credit report and I have never resided at this residence this is the address that is XXXX XXXX XXXX XXXX XXXX IL, I have been in XXXX tx since 1991

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Debt collection (I do not know) with GC Services Limited Partnership (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Missed call from XXXX on XXXX XXXX, 2016 at XXXX Caller left a voicemail : three seconds of silence. 

Missed call from XXXX on XXXX XXXX, 2016 at XXXX Did not leave voicemail. I called the number back and received the message " We 're sorry, you have reached a number that has been disconnected or is no longer in service. '' Received call from XXXX on XXXX XXXX, 2016 at XXXX 

They asked for an individual that was not me. On this call I learned that they were GC Services LP and given the phone number XXXX. I asked for more information about the call and how they obtained my phone number, but was not given a clear answer. One method they said was a database, that the company gathers information. Another method they said that the individual that they were trying to contact had written my phone number down, but quickly retracted the statement. After a few attempts, I was able to be connected with someone who was able to provide me their mailing address, XXXX , Ohio , XXXX. I asked if they would be able to confirm that another phone number belonged to them, [ hoping to confirm whether or not the XXXX number belonged to them or another telemarketer ] but they said that they do n't always know what phone numbers show up when they call. I then told them that my phone number was not a good contact phone number for the individual that they were trying to contact and asked to be taken off of their contact list. 

I then called XXXX to try to verify the XXXX phone number, but they were unable to assist with that issue. The operator did say that I was put as a reference for the individual that they were trying to contact and that is why they were calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (FHA mortgage) with BB&T CORPORATION (NC).
Issue: Settlement process and costs

Complaint: The closing papers that were sent me are dated XXXX/XXXX/15. That means that I contacted BB & T before that, to start the process and I do remember that it took some time for me to get the closing papers sent to me. With that being said, my original call was around or before XXXX/XXXX/15 to the loan officer at BB & T. I can not prove what the exact date is because it was a phone call and I did not think that I would have to create a history log. 

Around XXXX/XXXX/15 I called BB & T XXXX office to complain and got what they call " the chairman 's line ''. This is when a manager above my loan officer called me. I informed him of the long delay in processing my loan and that I now have a late fee. I asked for the fee to be removed and to look into the delay of my re-fi. He said that in order for him to remove the existing late, I needed to bring my loan current. To which I did and by closing out my IRA account. The closing check was just over XXXX. I also informed him that when I asked my loan officer why the delay, he said that re-fi take back seat to new loans and that they are overwhelmed right now due to changes in the regulations. The manager agreed with that statement. 


On XXXX/XXXX/15 I received the follow email : XXXX, I got a call from the processor, XXXX that she was ready to submit your file to underwriting, but that we needed the XXXX payment to be current. When do you expect to make that XXXX payment so we can get your file underwritten please? 
Thank you - XXXX is the loan officer. I called him and said that I have my IRA closing check and it is just over XXXX and I would like to put it towards a down payment. After running some simple numbers we agreed that it would not make enough change in the payment value and he also said that he would have to redo the closing papers. So I agreed that I will bring my existing loan current and the remaining will go to pay off some debt. 

From the email I just referenced, I brought my loan current and was under the impression that the loan had been pulled and sent to underwriting. I have not received ANY calls from BB & T since then, saying the my loan was past due, none. 

Just the other day I received another email from my loan officer saying that I need to provide information pertaining to make IRA deposit of XXXX proving where it come from. It is under XXXX and a legal deposit! He also informed me that I need to bring my loan current again, by 2months. This is of it self, will change the closing loan value. Today XXXX/XXXX/15 I called BB & T XXXX to file a complaint and spoke to a manager. He said that a senior manager would be in touch with me within 2-3 days. He did not give me a direct line or any way to follow up, upon my request, should that not happen. That is when I decided to file a complaint with CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit determination

Complaint: I am current customer of Bank of America ( BOA ) for ten years. During a branch visit on Friday, XXXX XXXX, 2016 to have a debit card re-issued, a BOA Branch representative offered me BOA Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a BOA Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete the survey that may be emailed within a few days. I let her know that the experience was great, unlike many of my experiences with BOA and that I would definitely give good marks on the survey ; which I did on XXXX XXXX. It is now XXXX XXXX, 2016 and I have not received any responses from my follow up emails. I called BOA corporate to file a complaint on XXXX XXXX, 2016 and was promised a 48 call-back ; it has now been 168 plus hours from my call with no call from corporate ( I gave them both of my cell phone numbers ). I have all of the credit card disclosures and signature page that I accepted the offer. I also have all my follow up emails with no response from the branch. Even after going in the branch to two weeks after to talk to her, she advised me this as happened before, but she promised the card will come. I feel manipulated and mislead by BOA, as they will essentially make up things to con consumers into receiving high survey marks by wasting my time. Bank of America owes the card to me as promised.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.

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 10/30/2017 about Debt collection (Credit card debt) with D2 Management LLC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this two 1.Account Number XXXX Account Type Installment Loan this account 2.Account Number XXXXAccount Type Credit Card Terms Revolving with XXXX XXXX XXXX was paid and Closed as of XXXX/XXXX/XXXX both account 's

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