milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my Macys AMEX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called Macy 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest 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 explanation
Consumer complaint received 10/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have banked at Wells Fargo for many years. I opened a separate savings account in my name only due to my husbands illness. He had sent double payments to creditors from our joint account also, has lost or misplaced his debit card repeatedly. The bank changed my savings to a checking account due to regulatory requirements as I was making too many transfers. I never requested overdraft protection or to have the accounts linked. I called on XXXX XXXX, XXXX to request overdraft protection be deleted. In XXXX XXXX my husband spoke to the branch manager of our local bank. He requested access to my personal account and was told no by XXXX XXXX. On XXXX XXXX, XXXX he again went to the local branch and presented to the teller. He explained that he needed cash and that he was aware that the joint account had {$0.00} dollars however, we have overdraft protection. The exact verbiage used was he gave a sob story. To my knowledge we did not have overdraft protection. The teller explained to him if he uses his debit card inside the branch he would have the ability to make an EWithdrawl. Also explained that then my personal account would cover the overdraft funds requested. In short with the banks tutorledge and advice he withdrew {$300.00} then again {$500.00}. On XXXX XXXX, XXXX he appeared again making his 3rd EWITHDRAWL of {$2500.00}. On his 4th visit on XXXX XXXX attempting an additional {$2500.00} this is when XXXX XXXX called me to inquire if I was aware of the previous EWithdrawls and am I approving a 4th? The answer was a resounding no! I was shocked and completely unaware, I had opened a separate account to keep my money safe. He didnt have access to checks and didnt even know the joint account number. He only had a debit card that limits withdrawals to {$300.00} per day. 1. Why didnt XXXX XXXX call in XXXX during his first attempt to access my account? 
2. With a {$0.00} balance in the joint account why in Gods name did it take a 4th potential withdrawal to notify me?

3. While an employee/employees were aiding and abetting did they receive monetary compensation while in collusion? 
I am aware of several Florida Statutes that cover the receipt of money obtained by fraudulent use of debit/credit cards and any amount over {$300.00} is grand theft intentional. I have been told that this falls under divorce however, I strongly disagree as these actions were deliberate, criminally fraudulent and violating my privacy by exposing my personal account. I am seeking legal advice as I believe this Wells Fargo branch, employees, and policies should be investigated. XXXX XXXX XXXX XXXX XXXX Fl XXXX. ( 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 non-monetary relief
Consumer complaint received 11-07-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Earlier this year I decided to open a bank account with Bank of America for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Bank of America. A few days later Bank of America notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Bank of America I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Bank of America had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Bank of America would be able to change the information so I contacted Bank of America risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Bank of America to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.

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 10-08-2015 about Credit reporting () with WELLS FARGO & COMPANY (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I 'm trying to refinance my house but when they pull my credit score theycant get it??? 6 months ago it showed XXXX now It 's not available?? Theysaid Wells Fargo is n't sending the info on my house payments. Is thatpossible? please help me. How can I not have a credit score?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for an apartment in XXXX, TX. I was denied because of information appearing on the report that they provided to the apartment. First Advantage is reporting information that is not only inaccurate but is also damaging my credit to potential landlords. They are reporting numerous housing debts and evictions to which I have provided court documents stating that I have been a victim of identity theft. They still are refusing to remove XXXX Apts from my consumer file even with the proof that they asked that I submit to them. I am at jeopardy of not only losing out on money but also losing out on a place to stay. They are intentionally refusing to remove the negative items even after the information that they requested was provided. They are also violating my consumer rights under FCRA. They are refusing to remove all information relating to housing debts and evictions that are not belonging to me. I even had to file an Affidavit of Identity theft with the federal government to which was also submitted to them on my behalf. I have emailed First Advantage and I have also contacted them by phone. They have refused to respond to my inquiries and my request. 

***Please note that I provided the criteria to clear the record that First Advantage provided to XXXX at XXXX XXXX. By their own admission from the document they provided to the potential landlord. In order to remove such record from my consumer file, they had to be provided with a letter from the court stating that the eviction was dismissed, vacated or set aside. Clearly from the document I provided, the judgment was release and eviction suit was dismissed. 

I have also attached the court document itself. Now they need to remove this record from my consumer file. They are clearly in violation of their own policy and written word and in violation of my consumer rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact.

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 06-02-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently transferred to a servicing company LoanCare, a XXXX XXXX. When I called to setup XXXX payments the servicer said that they could not accept XXXX payments and only accept XXXX payments. They, in turn, offered a service through a third party company, XXXX XXXX. XXXX XXXX charges a fee to collect XXXXXXXX payments of {$290.00} and then roughly ~ {$2.00} per XXXX payments. This sets me at a detriment because I am being forced to choose between paying this fee or paying monthly. Either way the servicer is maximizing fees or maximizing interest at the expense of the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 
2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 
3. refusing to communicate with me via method most convenient for me ( email ). 
4. failing to notify me that any information is used for purposes of collecting a debt. 
5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 
6. harassing me and threatening illegal collections practices. 
7. harassing me calling me at times over 50 times a day. 

XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. 

Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. 

Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: My escrow payment is {$100.00} and my principal and interest payment is {$110.00} which is equal to {$210.00} this is my payment should be. The rushmore company is charging me {$270.00} which is {$55.00} more. Please have them correct the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX posted a {$310.00} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter.

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 06-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had attempted identity theft and had a LOT of inquiries opened under my name and ca n't get them removed.

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 02/21/2018 about Debt collection (Federal student loan debt) with Progressive Financial Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with explanation