milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Using a debit or ATM card

Complaint: Dear CFPB representative, On XXXX XXXX, 2016, I tried to withdraw {$800.00} cash from a U.S. Bank ATM ( XXXX : XXXX XXXX XXXX XXXX XXXX, WA XXXX ) using my foreign bank debit card ( XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). The ATM initially displayed " Please take your cash '' but no cash came out, and then it displayed something like " There was an fault and the transaction was cancelled ''. However my debit card was debited {$800.00} and a transaction fee of {$3.00} was charged. I talked with the teller of U.S. Bank in XXXX, and they admitted that ATM had been having some problem that day and they have received complaints. They told me to submit a dispute from my local bank ( XXXX ) and wait for one week to see the balance updating on that ATM. I submitted a dispute for the failed transaction on XXXX XXXX, 2016 but today I received following-ups local bank saying the U.S. Bank said the transaction was successful and there was no remaining balance associated with this transaction, indicating U.S. Bank did not want to take the responsibility. I also contacted U.S. Bank ATM services but they refused to help me but insisted on resolving the problem with my local bank. So the situation became an endless loop : I submitted a dispute through my local bank as U.S. Bank told, but then U.S. Bank denied their responsibility. I hope CFPB can help me get my money back. Thank you so so much!!! 

Best regards, 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 monetary relief
Consumer complaint received 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On Friday, XXXX XXXX, 2016, I submitted an Identity theft report to Experian. On This account was documented in the Identity Theft report that was provided to Experian on XXXX XXXX, 2016. The account in question was for a collection company called XXXX XXXX XXXX. On XXXX XXXX, 2016 Experian removed this account. 
On XXXX XXXX, 2016, Experian added a collection account from a collection company called XXXX XXXX XXXX. XXXX is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police 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 non-monetary relief
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had XXXX lens on my report which Was paid in full and should be removed but it 's still on my XXXX and equefax report

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Me and my son opened a student bank acc. at Huntington bank. they started putting a {$4.00} a month fee. When my son asked why they said he threatened them and closed his acc I called and asked why they hung up on me ... .THEN they closed my business acc that I have had for over 30 years. and they are trying to stick me with credit card processing and terminal fees. there is much more ( too much to put in print ) HELP XXXX XXXX XXXX XXXX ( XXXX ) or XXXXXXXXXXXX P.S. the highest person I could get to is XXXX XXXX. She is vice president in charge of consumer affairs .well that 's what she said.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: JEFFERSON CAPITAL SYSTEM is reporting a collection account for a XXXX XXXX account that I have never opened I have asked several times to provide me with a signed contract because I have no knowledge of this account when I disputed this with the credit bureau within 2 days they come back with account verified but not providing me anything that shows that I signed a contract I also contacted the collection company and asked for a contract which I have not received I previously disputed this when the account was with another collection company and it was deleted from my report after cfpb got involved and since then the account was sold to another collection company and now back reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Problems when you are unable to pay

Complaint: Statue of limitations expired in 2011 with original creditor. Sold to another creditor - reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: This seems to be the only way you can respond to a response about an ongoing complaint I have read the response that was supplied to you by Wells Fargo. 

I have a number of issues with their response the first being they are asserting that I agreed to a 15 years mortgage over the phone, yet did you ask them to play this so called recording of my original conversation with them with my agreeing to this? I did and they refused to play it. I feel you should ask them to play it and if they do and they have not doctored it you will hear exactly what I have been saying all along that not only did n't I agree to anything I also asked if I signed the " The Request To Terminate Future Advances '' Sheet that I would not be bound to any mortgage. I was told yes I would not be bound to any program as you will hear on the recording. If they refuse to play it I think that speaks for itself and they should be found guilty of fraud. 

The second issue is I never received the letter dated XX/XX/2016 which supposedly was sent to me. The only letter I received in the mail during that time from Wells Fargo was the form to sign which I was told was to get further information on programs available, the form being " The Request To Terminate Future Services ''. When I asked XXXX XXXX when would I have received that XX/XX/XXXX letter he told me along with " The Request To Terminate Future Services ''. I did not receive that letter because it was never sent and if you look at the bottom of " The Request To Terminate Future Advances '' it says Pg 1 of 1. So if the letter of XX/XX/XXXX was sent with it I would think it would say page 1 of 2, with pg 2 being the letter or viceversa. 

It is common knowledge that Wells Fargo has taken the liberty to scam the public in a variety of ways. What has happened to us there is just no excuse for and it is criminal. To lie and try to manipulate people is wrong and we hope you require them to produce this so called recorded conversation.

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 10-05-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (GA).
Issue: Delinquent account

Complaint: I had a credit card account with XXXX card services in XXXX. I defaulted on the credit card in XXXX. The collection agency Midland Funding continues to report this negatively on my credit report. I have filed a report with the agency and Midland that this is an old debt as there has been no activity since XXXX. Midland continues to report with activity since XXXX which is incorrect. There was no activity on this account in XXXX. The last activity was with original creditor XXXX in XXXX. This account and activity is over 7 years old. It should not continue to be on my account with XXXX and XXXX. I have filed an error report with XXXX but they continue to report this old account based on incorrect information provided by Midland.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted this company by mail numerous times requesting verification of debt or removal from my credit report. They have still not conformed and sent me proof.

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 07/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In 2008, like many Americans, our family was suddenly underwater with our home mortgage and we got behind due to a job layoff. We applied for and were accepted in President Obama 's aid program. We did a loan modification with Wells Fargo. Our home mortgage went up the exact amount as the aid package, so we thought we were paying off this aid in our new payment. However, we were recently blocked from selling our home to a buyer who 1 ) was qualified and 2 ) did not have a property to sell. We also received what we needed in the offer. That sell was blocked as the title company uncovered a XXXX mortgage in the amount of that same aid. Please pursue this matter with Wells Fargo. We are open to a fair and equitable settlement. 

Thank You, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (I do not know) with Suburban Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone opened this account fraudulently my identity was stolen and yet this account has been reported to the credit bureaus and people have tried to collect on it .... i have filed a police report and an identity theft affidavit from the ftc ... this needs to be removed from your records and deleted from all reporting agencies that you have reported it too.

Company response to consumer: Closed
Consumer complaint received 03-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: On XXXX/XXXX/16 I reserved a hotel room for my adult nephew using my Chase Visa credit card. On XXXX/XXXX/16, my nephew arrived at the hotel and gave his credit card to pay the room and for the costs of any expenses incurred during his stay. I never authorized the Hotel ( XXXX XXXX XXXX XXXX ) to charge anything to my credit card as I was not the guest. I never signed filled out an authorization nor did I sign any credit card slip. I received my credit card statement last week from Chase and saw XXXX ( XXXX ) charges ( {$1300.00} and {$6.00} ). I called Chase to dispute the charges and Chase refused to accept my call as a dispute. While I was on the telephone with the Chase representative today, he put me on hold and purportedly called the hotel. Chase said the hotel was n't willing to reverse the charge and that I was responsible for the charge. I asked that the disputed charge be marked as disputed and held without interest accruing until I had an opportunity to speak with an attorney. The Chase representative stated that they would not mark the charges as " disputed '' and if I did not pay them, in fact interest would accrue. I normally pay my bill in full at the end of each month. I am outraged that I am not being afforded the time needed to dispute the charge without interest accruing. I never imagined using my credit card to reserve a room would also bind me to unlimited charges incurred by someone without my prior approval or authorization. I also never imagined that Chase would not afford me an opportunity to dispute the charges without interest accruing during the dispute period. I further was infuriated that Chase would n't even accept my telephone call complaint as a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

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 10-03-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I disputed XXXX, XXXX, XXXX, and XXXX totaling {$6000.00} to citibank cashback mastercard against a merchant that debited my account last XXXX 2015. My mom asked the the merchant to credit my account {$6000.00} through email, for the service was under her name. It was approved by the merchant, and we forward the email to mastercard dispute dept. During that time, citibank mastercard conditionally credited {$3000.00} towards my mastercard. Should it have been a total of {$6000.00}? After several weeks, only {$3000.00} was credited to my mastercard. I called mastercard and asked about the other {$3000.00}. Since then mastercard has not given me a clear answer why my account was not credited. XXXX dispute customer agent said that there could have been a mis-coding. What is this mis-coding? I asked several supervisors later and none would tell me. Mis-coding? 
I have been doing all the calling to resolve this problem. I have talked to many supervisors. All have promised to investigate and call me back and not XXXX of them ever returned my call. I have been ignored constantly. I think that citibank mastercard is avoiding my request. Please help me resolve this problem. From the beginning, I have followed all mastercard 's steps and now something is wrong. Mastercard is not being transparent nor have the many dispute supervisors, who promised to call me back, returned my call, emailed me, nor sent a mail. 
My mother emailed the merchant requesting why the company is has not sent {$3000.00} to my credit card. The merchant has not responded yet. It is their policy to credit my Mastercard account only. It does not send money in no other way. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Today, on XXXX XXXX, XXXX I noticed a couple of additional examples of fraudulent activity on my credit report. Usually I am able to see my credit report at anytime via Experian 's credit monitoring, but over the past few weeks for whatever reason they are having problems being able to access my credit file. 

My concerns are that I have ( XXXX ) additional inquiries from the same third party company requesting my credit file information. 

XXXX, CA XXXX ( XXXX ) XXXX INQUIRIES PULLED ; XXXX XXXX, XXXX XXXX XXXX, XXXX This is the same company that had pulled my credit this past XX/XX/XXXX when I was in corporate housing with my company. I am disputing this as fraudulent inquiries and challenge them or whomever they may represent to prove otherwise. I do know that obviously on both of these occasions my credit file was temporarily opened, but this was because for whatever reason Experian 's credit monitoring service asked me to temporarily lift so that a XXXX credit report could be pulled. While I certainly know that this should never be a problem, I do know that once I did this I was able to receive the ( XXXX ) credit reports from Experian, XXXX and XXXX. This is an entirely separate issue that I will have to come back to address at a later time. 

Please dispute these XXXX inquiries as fraudulent as these are both not authorized. I have already disputed ( XXXX ) inquiries against them in the past ( XXXX & XXXX of XXXX ) and both were successfully removed accordingly. Please remove these. I can be reached anytime at XXXX. 

Regards, 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 11/20/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Application, originator, mortgage broker

Complaint: Currently we have a mortgage with a mortgage company called Seterus. We have already set up a login information for the electronic transfer of information. All our information is current and update including phone numbers. Apparently this bank made a change in our monthly mortgage payment in the month of XXXX, 2015 without notifying us about the change. We made our regular monthly mortgage payment for the month of XXXX according to our payment schedule being unaware of any changes in the amount. Finally only few weeks ago we got a XXXX letter about the change in the amount after this bank had already declared as delinquent and reported it to all the credit bureaus. Apparently they never applied our payment in full to our monthly payment and withheld the entire amount to be applied to our account. Once we found out about the change in payment we have caught up with all the changes and are current in our payments. But it is causing us hard ship on our credit rating as we are applying for a new mortgage loan. Therefore, we request your agency to take an action against this institution about harassing techniques and make unnecessary charges and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Money transfers (International money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Fraud or scam

Complaint: I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone had used my information to pull Hard inquiry which I had never authorized..

Experian XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017

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 07/23/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a satisfied judgement on my credit report the judge has vacated it please remove it from my credit report.enclosed is a copy of the consent order from the court.

Company response to consumer: Closed with explanation