milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax breach that was in the news in XXXX XXXX. They set up a website to verify if I was impacted. I immediately received a credit monitoring registration date, however I noted that in order to comply with that, I would rescind my rights to being part of any future lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with Colony Brands, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: I should start off by saying that this happened in XX/XX/XXXXand XXXX and I finally lost my home in XXXX to foreclosure. 

I contacted Citi in XXXX, MD, 3 different times about a loan modification. 

I expressed to Citi that my wife lost her job and we were having troubles maintaining our monthly mortgage. Citi had me apply for loan modification 3 different times, each time Citi claimed that they lost or could n't find all documents. later even suggested that I try to refi, at the end they told me that my credit was not satisfactory and they could n't help me. They also told me that they could n't help unless I was at least three months or longer in default. 

We maintained our payments up until the end when we could n't pay anymore. I lost the home and it later sold for {$110.00}, I had a mortgage of {$220.00}. 

When I called them in XX/XX/XXXXthey claimed that they owned me a letter releasing me from all debt and to clear my credit from this matter because of the hard work that your Agency ( CFPB ) has done, but I never received this later. 

Any assistance would be greatly appreciated. 

Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SCOTT FETZER FINANCIAL GROUP INC (OH).
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: XXXX 2013 two men came to my door to demo a XXXX XXXX. I ended up getting financed through United Consumer Finance Services ( UCFS ) XXXX XXXX XXXX XXXX, Ohio XXXX. At that time the XXXX men did n't have all the items to the sweeper because they said they sold all of them and all they had was the demo one which was still new but they said they would bring me the rest the nest day. Which the items were the shampooer and hoses/attachments. So the next day I try calling and texting the seller with no response and kept trying everyday for about a week then he texted back and told me sorry that he was fired and I would have to call XXXX to get the items which I did but they ended up telling I had to pay for the all the items which really was upsetting. I ended telling them I did n't want it then since I should have got those items in the first place. After that I contacted UCFS to tell them I returned the sweeper but got a very rude lady who did n't care nor would listen to the problem. I just let it and did n't bother with it until XXXX  of this year I wanted to check my credit because I wanted to buy a house and this whole time UCFS has been reporting the info on all reports. I tried to Dispute it through the credit places but that did n't work so I made a complaint through BBB which went on a good month back and forth because this company is rude and wont listen and to top it off LIED! I got them the name and number to the guy that sold me the sweeper and text messages of me not getting the items. UCFS went on lying saying they called me several times and I told them i was completely satisfied which was not the case i tried telling the guy from UCFS that i never said and went on to tell him about the very rude lady that works for him and he just did not listen or work with me. Its not fair to pay for something that was returned first off nor is it fair to suffer credit wise because of XXXX companies! I just want this off my credit as it should have been when the item was returned. Plus they purposely flagged my credit for lates so my score dropped more because I disputed it and made a complaint. Is that even allowed? I just want to add that XXXX XXXX is the XXXX guy in the text message documents.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: XXXX through the XXXX application SIMPLE Finance Technology Company has violated banking regulation 31 CFR Part 212 garnishing my federally protected funds and refusing to discuss the matter. I am XXXX with a XXXX and receive my XXXX check deposited directly by the us treasurer in a checking account, recently a very old incorrect child support order resurfaced from XX/XX/2010 and the bank garnished my account to include my federally protected and exempt XXXX payment. This now has caused me the inability to purchase needed medications and essentials such as food. XXXX. The bank has now refused to release the funds even though they are federally protected and is illegal to garnish. The bank has now ignored my XXXX reasonable accommodation request to speak directly to a banking regulator or compliance officer as my email communication skills might not be giving the right message or making sense. This too has now been ignored and not accommodated. The ramifications of a banking institution actions for me on this are now advanced to severe both XXXX and XXXX. again the only deposits for the last several weeks and pretty much the last 5 months have only been XXXX payments. 

1. Thy contacted by email not mail as required on XX/XX/XXXX and I immediately advised them is action was incorrect and they can not allow it to happen due to the funds were federally protected. The only option they gave was to contact the court. The court being in the State of IL and I am in XXXX XXXX without any financial ability to hire an attorney or fly to be present for a hearing. 
2. They did not conduct a look back to see where my deposits were coming from. If they did they would have noticed almost all were from XXXX the last several months. Even though I advised them this was not legal. 
3. They have told me there is nothing they can do and have not even tried to help the situation - at one point belittling me telling me they know the banking regulations. 
4. I asked for a reasonable accommodation to speak to a bank regulation or compliance officer afforded to me under the XXXX act - and the 2 requests have gone unanswered and have not proved helpful. 
I am not asking for anything other than the law and regulations be followed. The to close me out of funds without and oversight or due diligence is reprehensible and not allowing me to speak to a manager or officer is very aggravating. I am now out of my basic medicines that are crucial for my XXXX and have no way to travel to the store - see a doctor or even buy anything needed to survive. Please please advise my bank to follow the regulations and do something other than be a shallow shell of a business and now ignoring my XXXX reasonable accommodations request. I am in urgent need of someone making a phone call to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX ,   XXXX   and Transunion. I would like to see my credit updated correctly. Tax lien remove, no scores decline after submit  Dispute and Inquiry sto p going into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Making/receiving payments, sending money

Complaint: Wells Fargo continued to bill me for payroll services since XXXX 2016. In XXXX 2016, I contacted payroll services and they continued to bill me for payroll services at {$65.00} a month. Additionally, I emailed payroll services in XXXX 2016 to terminate all payroll services and my manager told the branch to terminate payroll services. I did not hear anything back and continued to be bill. Today, they drafted another {$65.00} out of my account for XXXX 2016. So far I have been charged {$320.00} for payroll services since XXXX 2016. They are violating federal and state laws continuing to bill me for services and I want a refund.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX and XXXX I faxed XXXX A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.

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 12/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I repeatedly asked Equifax to remove the Tax lien from my report. XXXX XXXX did it. Equifax not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with BANK OF HAWAII CORPORATION (NY).
Issue: Struggling to pay mortgage

Complaint: I applied for a mortgage loan modification with Bank of Hawaii, they sent me an offer letter for a forbearance agreement. I had a friend in the mortgage business review the letter, and he said I may be worse off after the 1 year of lower payments offered due to I will still owe all of the outstanding difference between the contractual payment and the reduced forbearance payments. I am unemployed and on private XXXX insurance. Since the XXXX is 1 year or longer I 'm not sure why they were not able to do a permanent modification? I asked what would happen at the end of the 1 year forbearance period, and if I could re-apply for a modification at that time, and they said no I need to sell the property before the 1-year forbearance period ends. I wondered if someone at CFPB could help me review my options and the offer letter? I need to send 1st forbearance payment by XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Trouble during payment process

Complaint: I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.

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 07/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My son, whom is XXXX, started attending XXXX College in XXXX XXXX, Minnesota. He was told he could not attend college unless he had a cosigner. So I cosigned the loan for him. This was after he had a few Federal loans first. After that he was harassed by a student and the other student was released from their school. XXXX has always had illnesses due to his XXXX XXXX of his XXXX. XXXX got ill, and the school asked XXXX to quit because he was n't there enough to graduate from the program. This course was for computer game design and I 'm sure they could have made an exception for XXXX and give him homework for his course. Anyway, after he quit his payments were due right away because he was n't in school anymore. We are paying {$230.00} a month, which has gone up {$3.00} recently. The problem is we filed for a loan forgiveness, total forgiveness, because XXXX can not afford all the loans being paid at the same time. So when XXXX  received a letter from Navient stating that he stop paying until further notice-he did so. ( He has Federal and a Private Loan. ) Now our complaint-His bank account started missing {$200.00} more a month. They took his payment out without a notice nor his permission. I had written a letter to the Dept. of Education last year and recieved no response either.
The letter follows ; XXXX/XXXX/2016 XXXX XXXX. account # XXXX Department of Education, My name is XXXX XXXX I am the mother of XXXX XXXX. who is applying for a Federal Student Loan XXXX Discharge. I am also including the form to be his representative. I normally do n't get involved, but I feel it 's up to me to convey some of XXXX 's XXXX and the problems with getting a Dr. to fill out your form.
XXXX was born with XXXX XXXX XXXX, a dibilitating condition of under XXXX XXXX and XXXX with XXXX XXXX because of the XXXX. He has been XXXX XXXX since age XXXX when he finally had gotten his first XXXX XXXX. The reason his Dr. wo n't fill out the form is that it is a policy of XXXX Clinic in XXXX, Mn. that they do n't get involved with such matters as this. So I am proposing that you suggest a Dr. in XXXX who can perform a physical on XXXX and be able to get his records from XXXX to give you the documentation you need for your decision.
Thank you for your time.
Sincerely, XXXX XXXX XXXX XXXX 's only income is his XXXX ( XXXX ) check. {$930.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 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: Public record information inaccurate

Complaint: A bankruptcy is listed on my credit report. I explained in detailed on my attached letter what exactly is going on. I only communicate in writing with the credit reporting agency in case I need to file a civil case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, I truly hope your coolant can help me with this as Wells Fargo has made every excuse as to why this happened. On XX/XX/XXXX, I had charged my card 3 times. First starting with {$300.00} to XXXX XXXX, {$24.00} to a restaraunt here in my ho me town, and {$15.00} to a bar as a friend of mine from of tow n was home. Take in mind all prior charges had for through on the XXXX and I had a little over {$350.00} in my account so after the 3 charges, myy acvount refldcted i had a little over 10. The 3 charges had shown as pending on my end, but the funds went out each time I processed them so i was not worried. I made sure all prior charges were already processed before that day as I had moved to a new banking location as I've had numerous problems with Wells Fargo and wanted to keep at least 10 in the account so Wells Fargo wouldn't close it until I had all my auto payments moved. On Monday the XXXX, I get an alert my account is negative. I checked my account and has no new charges, and all my prior charges had already removed the funds. Wells Fargo tried claiming that I had charges from days before the XXXX that didn't go through. I beg tok differ and fought them on this as each of the charges they claimed against me had already been processed, but miraculously got moved to the transaction date XX/XX/XXXX when these had taken place days priorf and the fuhnds were already removed well before hand which left me at XXXX. I reported them to the XXXX  and got thee same generic response I got in an email from them. Please help me as I just want to be done with XXXX XXXX. I've lost do much mo mry from them in the past and wish I would of just gave up sooner.

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