milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: My computer was hacked and the people that did it took information from it and used it to withdraw {$750.00} from my son 's savings account in Wells Fargo, of which I am a joint owner, in a wire transfer to XXXX, which was in no way authorized by myself or my son. This happened on XX/XX/XXXX. I called Wells Fargo to report the fraudulent transaction and they opened a case, reference number XXXX, which I obtained with a representative called XXXX on XX/XX/XXXX. After this communication, and seeing that the funds were not replaced as requested by me, I called again on XX/XX/XXXX, and this time I spoke to a representative named XXXX XXXX, who provided me with a claim number for my claim, which is XXXX. This representative, however, indicated me that the amount in question could not be returned to the account due to the institution that received the fraudulent wire transfer did not have the funds to restore the money, and that I had no protection by the FDIC in this case to obtain a restitution of the {$750.00} plus the {$30.00} fee for the fraudulent transfer, even after I provided XXXX with all the information needed ( phone numbers, names and codes ) that were illegitimately obtained to access the account and retrieve the money unlawfully. Finally, I called Wells Fargo again and I spoke with a representative named XXXX on XX/XX/XXXX, which gave me a case number ( XXXX ) to use to refer to my claim, and stated that it was under review and that I would be contacted once the investigation had taken its course. I called Wells Fargo once more on XX/XX/XXXX and spoke with a representative named XXXX who assured me that she would follow up with the case and see if there was something that can be done to restore the funds to my son 's account.

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 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit bureau illegally reported me late on my mortgage after I sent proof. Now Im XXXX from the military until I bring my credit back up to date. The military pays my bills. I do n't know how they neglected this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Private student loan) with AES/PHEAA (AP).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loans are serviced through AES. I schedule my payments every month to be taken on the due date. ( please not that my loan payment has gone up every single month even though I pay on time ... so really ... whats the point anymore? ). I received an email stating that my loan was late. This concerned me because I knew it was scheduled to come out on the due date. I checked my bank account and the payment had been taken out. Confused, I logged into my account. On the account summary you can see where my payment was scheduled to come out on XXXX/XXXX/XXXX, the amount fully came out on XXXX/XXXX/XXXX from my account and yet this day ( XXXX/XXXX/XXXX ) the summary page said it was delinquent and had not been received. I emailed AES and their response was : " The payment in question has been located and a request has been submitted to have the payment applied to your account. Please allow up to 10 business days for this request to be processed. We apologize for any inconvenience this may have caused you.

Although the payment has been located and a request has been submitted to apply it to your account, I must advise you of the delinquency on the account until the payment is applied.

As of the date of this email, your account is four days past due for {$190.00}. Late fees may be assessed if the delinquency continues on your account. You may receive calls and letters regarding the delinquency until the account is current. We report the status of your loans to the nationwide consumer reporting agencies each month. '' HOW DOES THIS MAKE SENSE? They have also been calling my co-signer AFTER my payments are made and show that they are made and telling her ( my XXXX old grandmother ) that my payments are n't being paid. SOMETHING is wrong with this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} on 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 04-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Customer service / Customer relations

Complaint: I was past due 30 days with Bank of America on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my 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 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PENTAGON FEDERAL CREDIT UNION (VA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Pentagon Federal Credit Union ( PFCU ). The person to whom I spoke was not aware of the program and did not know the procedure and stated that he would submit the documentation ( my Status Report pursuant to Servicemembers Civil Relief Act ). However, their specialist, who does not appear to understand the concept of XXXX XXXX, stated that this was unacceptable as I do not have an actual end date associated my activation. I attempted to explain that I was and have been for the last 11 years, an XXXX XXXX XXXX XXXX that has never left service. <P/>She then stated that my only remedy was that I needed a letter certifying that I was on XXXX XXXX. The letter is attainable, although I have previously requested this numerous time and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. <P/>The documentation, which is provided and signed, by the Department of Defense - XXXX XXXX XXXX is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as PFCU is a military-oriented credit union with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. <P/>Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Collection Consultants of California (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is to blow a little steam and open the CFPB 's eyes to CitiMortgage and their CB reporting. And perhaps CitiMortgage will take a deeper dive into their own CB reporting - perhaps look through the XXXX? 

For some reason, CitiMortgage has been sending the Consumer Reporting Agencies a XXXX, which has been removing the tradeline from the scoring algorithm calculated by XXXX. I 've NEVER once submitted a Direct Dispute, so no Compliance Condition Code should be on the loan. Compliance Condition Codes are only supposed to be used when a customer submits a Direct. Even if your practice is to place a CCC on a loan with an XXXX - I 've never once submitted an XXXX either. After calling in to CitiMortgage, I think they 've removed it, but would like this double checked. 

Secondly, XXXX has my employer listed as CitiMortgage as well. WHAT? I do n't work at CitiMortgage. I have n't checked my other bureaus yet, but I 'm sure they have the same info. My thought process is that, for some odd reason, CitiMortgage is submitting an XXXX segment advising that I work there. I 've disputed this with XXXX, but as previously stated I have not checked the other bureaus and would like you to verify and make sure you are not reporting this out month over month. 

One more XXXX to pic. I 've had nothing but problems with your company since I 've taken out the mortgage. Every year, my Escrow shortage payment gets messed up, and every year, I have to call in and get that fixed. That 's probably how the XXXX was placed on my loan, or perhaps it was last year 's CFPB complaint that prompted you to place it on there, but ... I was told that you wo n't remove the escrow and just let me pay my taxes as they come in. XXXX forbid. 

P.S. I manage CB Reporting/Disputes at a financial company - so I know what I am talking about. And I know that the CRA 's mess up a lot. It 's possible that the CRA 's botched the data on their end. However, in all probability it 's CitiMortgage who is furnishing inaccurate information.

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 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed BK and this collection agency did not show up to the creditor meeting to contest the collection. They have just reported this open again in XXXX. They should not be reporting any status since this was included in the BK filing.They listed remarks as the BK but that they are disputing the claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Credit card debt) with DISCOVER BANK (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Discover card states that they have a claim against me, which indicates that they think I broke the law. They are threatening to turn this over to an attorney to obtain a judgment against me if I do not pay them. 

I feel as though this is a violation of the Fair Debt Collections Practices Act. 

Lots of threats contained in this letter attached. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (KY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I put through a stop payment on withdrawals from my checking account in XX/XX/XXXX. The stop payment was on monthly electronic withdrawals from XXXX XXXX. Huntington Bank returned the XX/XX/XXXX payment. However, in XX/XX/XXXX the Bank did not catch the stop payment and put it through charging my account the {$68.00}. When I called Customer Service, I was told that because the electronic debit had a date behind the name, the Bank did not recognize this as the stop payment. XXXX XXXX always puts a date behind their name and it was not a problem in XX/XX/XXXX when it was stopped. All of a sudden it became a problem for the bank to catch it. Customer Service also kept referring to a paper check rather than an electronic debit which is how I had indicated the stop payment. Nothing had ever been said about a paper check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XXXX, XXXX XXXX XXXX closed my account. I started to get monthly  deductions on my my XXXX XXXX ( XXXX ). I have the XXXX that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my XXXX XXXX XXXX it shows the balance owed to the XXXX XXXX at zero. On XXXX XXXX XXXX collections agency sent me a letter saying that I had a balance of XXXX owed on my XXXX XXXX  and they were collecting it. I informed them it was paid off and had my pay stubs ( XXXX XXXX to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XXXX XXXX to XXXX XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XXXX XXXX XXXX XXXX took my wife 's and my XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my XXXX XXXX statement deductions. If it turns out after making the comparison between my XXXX 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company XXXX XXXX. Can you please help me?

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GC Services Limited Partnership (CO).
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: In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Debt collection (I do not know) with M&T BANK CORPORATION (DC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: The law firm of XXXX have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.

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 05/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: My problem is with the lender who owns the mortgage loan for my house I have owned for almost 25 years, Nationstar Mortgage. They have made the loss mitigation process very difficult, they have not allowed me to work with a Spanish speaking processor, and the people they have assigned to work with in the past have been difficult to communicate with. My family is being pushed into foreclosure, even though with the addition of my wifes income and job we clearly can afford a fair monthly payment. The problem is getting an actual review of our information completed  by Nationstar.  We feel that they are blocking us from government and internal programs tha t may be a ble to help us with get back into good standing with our mortgage, which is what we want to do, but wanting to pay and get caught up is not enough if the lender is  Nationstar w ho will not work with you the right way.     I bought our home in  XXXX . During the mortgage boom in the  XXXX  I refinanced a couple of times, and the last loan that was written was with   XXXX   XXXX   in  XXXX  ( right before the crash ). The loan was with  XXXX  for a period and then went to  Nationstar. I  had some financial challenges in the past and at  one  time I was approved for a modification. My struggles arose again in   XXXX   as I was overwhelmed with expenses and a loss of overtime hours. At that same time my son was accepted to college which was a huge moment for him and we provided some help with this to get him enrolled. We were overwhelmed with expenses and struggled to keep up with our payment. We began trying to start the negotiation process at that time with a lady named  XXXX  but she was difficult to reach and we had requested a Spanish speaker. We continued to struggle financially, and then my wife got a job at the airport making a solid income. When put together with my income as a machinist ( been doing it for 32 year s ) w e had sufficient income to make a fair and reasonable mortgage payment.     However, as I described  Nationstar has  not been easy to work with us and has not assigned us a  Spanish s peaker and have not taken the time to review our file and case and income and expenses and determine which government or internal program works for our family. This is an avoidable foreclosure if only Nationstar would work with us. At this time they are trying to set a foreclosure sale date instead of working with us.  Nationstar  would make a lot more money if they would restructure this loan and modify it so that we can resume making payments than if they were to sell it at auction. We want  Nationstar t o follow the federal guidelines and rules of the state of Illinois and consider us for all government and internal programs in order to give us the chance to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Coinbase.com has disabled my account and I no longer have any access to XXXX in assets. The account shoes that I can not be reactivated until I make a payment of {$0.00} There is no option to make this payment. I have emailed support for 2 weeks now with no response. Please help!

Company response to consumer: Closed with explanation