milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Advertising and marketing

Complaint: Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Trouble during payment process

Complaint: Bank of America wrongfully and ileagaly foreclosed an my family s home .I new nothing about this until it was already done. no certified letter. Was not in localpaper. I had payed on this house for fifteen years. Have always worked and payed my bills.the bank would always call and say I was late on my payment.after they checked they found they had applied it to another acount I had with them.I receive a letter from them saying I had abandoned the house.I did not.I call bank to see what this was about and they tell me they already foreclosed on the house and already sold at auction where bank of America had bought the house. I new nothing about this till it was over.the bank would not talk to me about this.I filed complaint with occ they say they find no wrong doing onthere part I talk to local lawyer they said since it wasalready foreclosed I could not do anything.now the courts have proof the bank robbed people of their homes. They did my family wrong stole our house and got away with it.I think they should have to make this wright with everyone they did wrong.I will not give up on this.I will send this every where I can to let the people know what is going on even to president trump

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 10/27/2017 about Mortgage (FHA mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: Starting XXXX XXXX I called Citizens Bank to talk about doubling up on payments i was then advised not to send in anything that A loan modification that way the past due payments would be placed at the end of the loan also that this would suit me best. The rep stated the application would be sent to me via mail. I received the application submitted it as well with the required documents I could never speak directly to my lender as the voicemail was always full or she wasnt available. I received numerous of letters stating my application was incomplete and that I was missing paystubs. This went on and on for months even after communicating with her assistant and him advising me and telling which ones were so called missing I resubmitted the same documents and waited for a response by this time it was The end of XXXX. I then finally spoke with my lender and she then stated that she had to close my application due to it being open too long also after figuring out that she not only had received all the needed documents but All needed pay stubs and that she was under the impression that I had two jobs. I even mentioned that I would get a letter from my employer if needed proving that it was the same company. She said no then went on to say that I can just resubmit the same documents and to change the date on my application because she had no choice but to close this one out. I did so as she recommended to only receive the same letter stating that my application was incomplete in XXXX. I called citizens numerous of times distraughted that i was about to experience the same thing. The following week i started to receive letters about foreclosure and letters being placed on my door. I made several attempts to call and speak with citizens only to get the same recording of a full voicemail. I then went to a hud counseling agency submitted the documents and we both to this day have not been able to reach citizens about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.

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 07-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Other service problem

Complaint: This is the second attempt I 've made to use XXXX XXXX and I can not get paid when I NEED my money because Wells Fargo continues to fail to update my balance this is really unfair and I am considering dropping them because of this. This is the second time I 've stated my complaint and still nothing has been done about it. XXXX XXXX app is showing a balance I had on my account earlier last week. As of right now it is showing {$240.00} when in actuallity only {$12.00} is available even on the Wells Fargo app my balance is incorrect ... such a disappointment. Please fix it this time.

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 08/22/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was in contact with a company called XXXX XXXX XXXX, XXXX, advising me that they would be able to assist me with enrolling in the Loan Forgiveness Program as I am in the XXXX field. I was advised by them that I would be charged a fee of {$1300.00} for the service and have been paying that off monthly through Equitable Acceptance. I still have a balance of {$960.00}. Last week a colleague of mine stated that I was not supposed to be charged for doing this. I would like Equitable Acceptance to refund me what I have paid so far and remove the remaining balance that they have wrongfully charged me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (I do not know) with Torres Credit Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My credit monitoring services alerted me of a change to my score, upon checking the alerts I found Torres Credit Services claiming I have a {$24.00} balance that is charge off / collection status. I have absolutely no clue what this company is talking about because I tried multiple time contact this agency but no body respond. I does not have any debit of these amount. I had a debit of {$21.00} dollar with with a Real state who name its XXXX XXXX but I already paid ( I has proof from my check account ) From XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE TORRES CREDIT SRV XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection {$24.00} 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 10/13/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I happened to be monitoring my bank account at well fargo bank on XXXX XXXX, I was waiting for a direct deposit to occur. I checked the account several times. At XXXX on XXXX XXXX, 2015 my account became overdrawn, It said that a check posted on XXXX XXXX. That did not happen. My direct deposit came through and I transfered funds before a overdraft fee was charged. 

It has got to be against the law for them to post a check on the day before the actual posting occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX of XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the XXXX there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.

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 10/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I have been threatened by my bank of over 40 years by a XXXX . XXXX XXXX of Wells Fargo of XXXX XXXX. I have never cause any issues but the manager stated he will not give me any further monies back from a bank error. attached is one of many communications between myself and Wells Fargo. 
This bank has sent me a credit card every week for months and one they gave me I objected to in order to get a spending card ( a prepaid card for online purchases ) which I required. Then the very next month they took out {$4500.00} via all my checking account money and some overdraft money! Then it took them 1 year and two weeks to pay me back. Even as the manager stated in XXXX, XXXX " Shame shame on us '' this is a very bad mistake. I sent out a letter to the bank executives here in XXXX XXXXXXXXXXXX Branch Manager XXXXXXXXXXXX District Manager XXXXXXXXXXXX Area President XXXXXXXXXXXX Lead Region President XXXXXXXXXXXX XXXX Vice President Community Banking XXXXXXXXXXXX Chairman & CEO and they assisted in this matter and stated thanks for being patience but then a new manager XXXX as mentioned earlier stated that I must never return to the XXXX branch and that that 's all the money he or the bank would pay me for the mishap. Then my home loan was taken from XXXX approx. a month to XXXX a month for the remainder of the loan. The home was purchase and loaned on by wells fargo in XXXX and in 16 years only XXXX was every paid off and we made some double payments in XXXX while we were there in XXXX to XXXX This has been and is only getting worse with Wells Fargo and I have been a customer since XXXX 's to today almost 40years. thereabouts Please would someone help advise us? Would like advise for checking- home loan and missing income. 
XXXX XXXX XXXX XXXX Vet 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 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX shows me that I opened a home loan in 2011 which is incorrect. I do n't even own my own home and I never have. I 'm only XXXX XXXX XXXX. I would like to get that information pertaining to false home ownership taken off my file. I do n't know where that came from but again, I did n't apply for a home then and I never have apllied for or received a home loan. Thank 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 06/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: this company has kept XXXX of my accounts in dispute for 14 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent hasXXXX The orginial debt is XXXX I want to even negotiate.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I default on a second mortgage with XXXX XXXX to move to XXXX AL where my wife could receive treatment for XXXX XXXX XXXX, a XXXX XXXX XXXX. The Second Mortgage started out as a construction loan for us to do a major remodel, additions and improvement to lake access from the property. XXXX XXXX had agreed to roll the construction loan into a refi of my V.A. Mortgage to include the First Mortgage and Construction Loan. I told the Loan Officer before we started the Construction Loan that I had XXXX XXXX XXXX. I informed the loan officer and bank project monitor that I wanted the senior officers of the bank to evaluate the detailed Remodel/Addition/Facilities Improvement Plan, that was prepared by my XXXX Y.O. Son, myself and the contractors I was to use on the project to determine, if this work would be an appropriate use of the money the bank was providing to me. I discovered at the end of the project that no one above the loan officer saw the plan. The interest second mortgage was 7.99 % for 60 months then reverting to an adjustable rate mortgage. I discovered at the end of the project that the bank did not even do V.A. Loans. I also found that the bank had reported false information to the major Credit Bureaus on the construction loan that was to be interest only, that I had failed to make P & I payments. In short the bank later their Agent In Fact, an attorney, lied from beginning to end.

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