milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Bank account or service (Other bank product/service) with EAST WEST BANK (CA).
Issue: Deposits and withdrawals

Complaint: This complaint is filed against EAST WEST BANK, headquarter located in XXXX, CA. I have a business account with this bank, our funds in this bank got stolen several times by ACH online unauthorized withdraws starting last year. The bank refunded me last year for the money stolen from them online system for over {$8000.00}. I changed the account number with East West bank recommended by the bank stuffs aftervise. However the illegal unauthorized ACH online withdrawn happened again on XXXX XXXX, 2015 for {$16000.00} with this new account. The bank now refused to refund me for over XXXX weeks now. I contacted the bank for a lot of times by phone calls and emails. But they said due to this is business account, we are not protected by consumer 's right of 10 days refund rule. They ever recommended to contact the criminal to solve the problem. I never knew this so called merchant and never authorized any payment to this company. But I still called the number provided by bank. First time they provided the number went to someone 's voice mail with the voice mail was full. Then they gave me another number went through a guy was the previous employee of this company. Say no more, the company 's business is phony and maybe online criminals. I think my bank account shall be XXXX liabilities for the funds was stolen from online ACH, without anyone authorization. We never knew this company and never had done anything with the so call merchant. 

Clearly, the bank is still refused to refund our money back even I reported them the contacts i made with this company. I reported to the local policy station by no choice. 

Please help us, the funds are very important for we are small business. We wo n't survive if the bank still not refunding me. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries )

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient began servicing my student loans from XXXX a few years ago. Went through a divorce, and financially struggling. Applied for deferment, but was denied. I was told a forbearance would be the ideal plan for me. Navient proceeded to add a sum substantial sum of money to the loan and the interest went up to 20 %. Did not see any of this when hitting the submit button for approval. Since then been paying back a loan and getting know where on the principal of the loan. In two years the balance has not moved. Customer Service difficult to deal with, and feel misled. Now they want me to pay {$300.00} a month starting in XXXX, when I can barley afford the $ XXXX monthly payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We purchase a bed from sleep number and financed the purchase using synchrony bank. The initial purchase was for {$2900.00}. I immediate began making equal payments of {$120.00} which was the balance over 24 months. We soon learned that the payments were applied to someone elses bill and that they charged us late fees. When we called them to rectify the issue, they could not verify my husbands account as they do not have the correct birth date or las t 4 of t he social. We had the account number, billing address date of purchase, they refused to talk to us because they could not verify us. They finally called through to the store and realised there was an imput error. They were to have corrected the issue almost 2 years ago and we have been fighting with them ever since. The last payment was to have been made which it was made on  XXXX . I was able to find out that they continued to charge us late fees and assessed interest so there is still at {$470.00} balance remaining. I again called and they would not talk to me because they claim I am not on the account. They I called with my husband on the phone and they still could not verify the account and would not talk to us. I asked to speak with a supervisor and they placed us on hold for over an hour. I am not willing to make any more payments I have paid for the bed and then some.     I was able to finally speak with someone who stated that the due date on the account has always been the  XXXX  of the month. We purchased the bed on  XXXX / XXXX /  XXXX  . We were told on our paperwork that the first payment would be due on the  XXXX  of each month and I scheduled it as such via our online bank. The {$120.00} has come out for the past 24 months but somehow there is still a balance. They had me on hold for ov er 25 minutes o nly to come back on the line to state that there was nothing that could be done that we should have called in sooner. Yet when we call they will not help us because they have the wrong social and birthdate on the account and can not verify.     Please help.

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 02-09-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, XXXX, and Equifax -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over XXXX days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (AZ).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: On XXXX/XXXX/2016, I did a settlement with Wells Fargo Card Services. They told me if I paid the Settlement amount, the will close the account and Delete it off my credit Report. I settled with them on XXXX/XXXX/2016 but I have not see it deleted off my credit History yet.

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 09-01-2017 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: Information belongs to someone else

Complaint: There is incorrect information on my Experian credit report as follows : 1 ) XXXX XXXX XXXX reporting a debt that I have no contract or knowledge of and is not verified. 

2 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supppsed expiration : XX/XX/XXXX XXXX XXXX XXXX 3 ) expired inquiry still reporting XXXX inquiry date : XX/XX/XXXX supposed expiration : XX/XX/XXXX XXXX Thank you for your assistance in this matter.

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 11/27/2017 about Debt collection (Other debt) with CNG HOLDINGS INC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was originally contacted over the phone by XXXX XXXX to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: For as long as I have had a Best Buy rewards card with Citi I have NEVER received a bill. Not once, not electronically in an email, not in the postal mail, nothing. Best Buy Rewards was part of XXXX which sold to XXXX XXXX which sold to Citi ... Because I moved during one of the mergers I could not verify my own information. Fortunately I knew my card was expiring and sent a change of address notification to my old address with my new one and my " new '' Citi card was mailed to my current address. Hooray ... Once I could verify my account, I could change my address BUT I still never received a bill. Not in an email nor in the USPS system ... nothing, nada, zilch. Today, I received a set of collection phone calls saying I missed a payment. Apparently Citi upped my monthly payment without telling me and 3 months later, my account is over due without my knowledge. So, I closed the account only to be told that I can expect a final bill based on accrued intrest and check my email and post box!

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (DE).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Hi Today out of the blue, I received a notification from a supposedly a bank called " XXXX XXXX ''. I did not apply for a card or knew about this company until recently. Notification that I have in front of me today, states that they mailed a welcome package, which I did not receive. When I called the customer service number today at XXXX, they are unable to locate by the account number on their letter. My daughter who is in a college received the same letter to her dorm address. She also did not apply for the card. I think this company is creating bogus accounts or letting fraudsters create account with stolen information. Please investigate. I have attached the letter that I received today. If it turns out to be fraud company, then I want them to be appropriately handled and published on your website. If it does create a valid accounts, then they need better customer letter approach as it is very deceiving and reading online, many folks have received this type of letter in the past. XXXX : XXXX Address of XXXX XXXX XXXX on the letter that I received is : XXXX XXXX XXXX, XXXX XXXX FL 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 06/21/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have 5 checking accounts w US bank and I received a 10 day notice they were closing all my accounts and would not give a reason. No checks were ever bounced. I will not get my social security check which I desperately need.

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 02/14/2018 about Mortgage (Conventional home mortgage) with First Direct Lending, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX 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 02-09-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this debt with XXXX XXXX XXXX regarding account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( credit bureau results attached ), requesting proper verification of this debt. As of today, this item is still reporting negatively on my credit reports, however, proper documentation has not been received. I have attached what they provided as debt verification ( something I could have typed up myself ). The other account they were reporting has been deleted from my credit file, yet this account keeps coming back as verified, please provide the documents being sent to the credit bureaus as verification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Late fee

Complaint: SAMS CLUB OPENED A CREDIT CARD FOR ME. THEY NEVER HAD THE CORRECT ADDRESS, USING ONE THAT WAS 15 YEARS OLD. WHEN I CALLED THEY NEVER UPDATED WITH THE NEW STREET NAME. I RECEIVED XXXX IN FEES THAT I WANT REVERSED DUE TO THE FACT THEY NEVER SENT THE BILLS, AND THE LAST XXXX STATEMENTS SHOW THE WRONG ADDRESS. FURTHERMORE THEY CUT UP MY CARD AND CLOSED MY ACCOUNT. I WANT A REFUND AND MY FINAL STATEMENT SENT TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX and XXXX XXXX are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a checking account and a savings account at metro credit union. XXXX XXXX XXXX is a member only bank. Not just anyone can open up an account the only way to do so is to add my ex boyfriend to My ex boyfriend to my savings account only so he would be able to open a checking account of his own. XXXX XXXX stated that he could open one and be a member if he was put on my savings. So thats exactly what we did. They never once mentioned that I would be responsible for any negativity on his accounts or loans. Eventually I wasnt with this exboyfriend anymore. I have an account from XXXX XXXX XXXX reported on my Experian credit report for {$2500.00}. I have no idea what this is or what it was for. It does have my account listed however. I have never recieved a bill for this. The credit report says its an installement loan. At that time I had direct deposit into my checking account. The bank however did tell me that I was unable to remove him off of my account because he had a negative balance on his checking account and even though he was on my savings that meant he was on my checking account as well even though he wasnt suppose to have his name on my checking account. The bank was going to take my money from me even if he had a loan that I had nothing to do with or even if he had a negative balance in his account all because he was on my savings account. I have no memory of this loan I have never seen paperwork with my signature saying i authorize this loan or that I would be responsible for this loan or even his loans. We were never married. I was not on his personal checking or savings account. This balance doesnt belong to me. I have tried to dispute it but I dont feel they actually did a investigation because if they did this item wouldnt be on my report right now. the amount is {$2500.00} and it says the account was opened on XX/XX/XXXX according to my experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (VA).
Issue: Credit decision / Underwriting

Complaint: My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.

Company response to consumer: Closed with explanation