milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Payday loan) with Direct Recovery Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.

Company response to consumer: Closed
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX , I ordered clothing from   XXXX   XXXX  . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru Comenity Bank which had I known, would not have authorized.
As soon as I realized this, I called  XXXX , talked to a   XXXX   XXXX   XXXX   and he agreed to cancel this account. This did not stop Comenity Bank from sending me a bill even though I paid off the purchase in  XX/XX/XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used. Comenity continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like   XXXX   XXXX   fraud.
In meantime, Comenity Bank turned the acount over to   XXXX   XXXX   who this complain is about. I have explained to them this situation. They continue to harass me with at least two times a day, even though I have requested proof that I signed any paper work authorizing this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (CA).
Issue: Account opening, closing, or management

Complaint: I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo website advertising Streamlined Refinance Considerations You must be an existing Wells Fargo Home Mortgage customer. 
You can not do a cash-out refinance or a refinance requiring a title change through the streamlined refinance program. 
I have Adjustble 30 year mortgage, nohwere on wedsite including small print indicated what type of loan is qualified for streamline refinace at now cost, I was rejected becouse my loan was not qualified. 
This is False advetising by Wells Fargo to attract phone calls for W.F mortgage depatment

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 10/19/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was online trying to pay my bill, a telephone number pops up on the page and blocked me from paying my bill. I waited, about a week or 2, then I received a letter stating it was an account collection. I have no delinquent accounts.

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 01-05-2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: My bank is Wells Fargo, and there always seems to be a problem going on in my account.Some of the bank accounts were opening separate accounts, and moving money from XXXX account to the other.That a reason why my funds are low. I do n't want to move my money from XXXX account to the other.I want to solve this issue right away. I want a suggestion to see if there is a good online bank has great customer service, that is recommend to move my funds there.I would appreciate a response.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My house was damaged by fire in XX/XX/XXXX. Our Insurance ( XXXX ) payed {$75000.00} for rebuilding our house. Money was kept in our Escrow account in Wells Fargo Bank, which we have mortgage with. Wells Fargo paid us {$50000.00} but kept last {$25000.00}. They supposed to release it after we finish all construction work. After initial payment our contractor quit the job without finishing it, he even called our bank to inform them about that. We finished rebuilding our house in XX/XX/XXXX with our money and different contractors. I asked Wells Fargo to release the money but they informed us that we have to take our old contractor to court to be able to get money from Escrow account and till then money will be kept in Escrow. For those years they paid me interest ( 1 % ) from money they kept from us. They send me statement every XXXX of each year for my taxes. I did n't get this form XX/XX/XXXX so I called them to ask them about it. They told me that they paid my Escrow money to old contractor. They did n't contact me at all to informed me about that. After lots of phone calls and my frustration they send me a copy of the check they paid to contractor. Check was with my name and contractors name on it, my address on it, it was send to contractor. On back check was signed by him and it was also signed with second signature. 
I filled out check fraud endorsement and I am still waiting for answer. Wells Fargo is playing games : each time I called my case was assigned to new person. They are promising me to call me back same day or next day. Each time I am waiting 2 weeks and I am calling again and new person is there without knowledge of this problem. Bank made a lot of mistakes : my money was paid to contractor who did not perform the job, without noticing me they send the check to his address, he did sign it as me and cash it. 
I have record of all my communication with Wells Fargo and I would like to resolve this case, so please help with that.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.

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 07/29/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I see that you took action against Flagstar bank in 2014 for their loan practices. I have read their violations and they are still doing this to me. They have done exactly the same things that you stated they were doing in 2014. They have delayed approval of my loan modification requests repeatedly, most of the time stating they did n't receive something, delayed responses to me, rejected payments from me, denied my applications for reasons unknown, never told me about appeal rights, and many other issues. At one point I was approved for a three month modification, during the third month I contact the bank to inform them of no change in my status, I was told to resubmit documentation which I did and was then denied a modification. This bank has been messing with me for over 800 days. My spouse is XXXX, I am now unemployed and XXXX waiting on Social Security and they are about to foreclose on my house due o their actions, not mine. WE have complied with every request from them only to be treated like we are trash. 

This all started over one missed payment. I called Flagstar to inform them that I could not make the payment and was told no problem, just make the payment the next month which I did. I sent a payment and it was rejected and returned to me 45 days later and stated was that I was now three months behind and the entire arrearage amount was due. Why did n't they tell me I needed to send two payments instead of their statement of no problem just send it next month? This has now blown up to where it is today, over 800 days behind and now they want over {$30000.00} to bring the loan current. Any local bank here would have moved that missed payment to the end of the loan and I would not be facing homelessness. This bank has been predatory to me and I believe their actions are totally unethical. How can they continue doing what they were told not to do after paying millions of dollars in fines, I just do n't understand this at all.

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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: After disputing the status of the XXXX account on my credit file, Equifax continues to report that the XXXX account status is a " Bad Debt ; Placed for collection ; '' and with XXXX missed payments. '' This is incorrect. The XXXX account status is closed with a {$0.00} balance and paid as agreed. Equifax has not provided any method of verification for this account or the supposed company that this account was placed in collections with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Today, XXXX/XXXX/2015, After trying to contact Bank of America to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Bank of America for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is " processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Mortgage (Other mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: NOTICE OF ERROR AND REQUEST FOR CORRECTION XXXX This is in response to your letter dated XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of XXXX that initiated the contracts ) on XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XXXX. 
3. The rescission was proper, timely, and unchallenged by XXXX in " XXXX ''. 
4. XXXX I put a copy of the same written request in the hands of XXXX of XXXX. XXXX did not challenge the rescission in XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XXXX were rescinded and extinguished XXXX. 
7. XXXX did not acquire servicing rights from XXXX on XXXX, as there were no loans to service. XXXX can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by XXXX against my property were effectively rescinded in XXXX and were not a part of XXXX receivership by the FDIC in XXXX. 
9. XXXX 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to Seterus is unconscionable. 
10. Seterus has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of Seterus '. XXXX had a record of the loans with their corresponding numbers from XXXX from XXXX. 
11. Seterus does not service or recognize the above listed Mortgage contract identified with ID # XXXX. XXXX must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. XXXX needs to remove the deceptive assignments of Security Deed as XXXX did not acquire ownership to convey to XXXX. XXXX XXXX gained ownership of the defective paper in XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
THIS COMPLAINT MIMICS COMPLAINT ABOUT XXXX AS THE XXXX COMPANIES ARE ACTING IN CONCERT TO DEPRIVE ME OF MY PROPERTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I made a purchase to XXXX XXXX via XXXX XXXX XXXX. Retail Card with deferred interest. I paid the account in full before the 6-month term expired. TD added a late charge of {$37.00} towards the end of the term leaving a {$37.00} balance. I complained several times and they claimed to remove it. They did not, and instead added the compiled deferred interest and now claims that I owe {$370.00} and continue to add late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please investigate my late father social security number. It have been used sinc e 2012,  even though he have been deceased sinc e   XXXX   XXXX  ,2012.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (MO).
Issue: Charged fees or interest you didn't expect

Complaint: I leased a treadmill from  XXXX  in  XXXX , MO - the terms were explained to me as being bi-weekly payments with no interest until the loan was paid off in full. I completed all payments on-time, after the final payment according to the plan the register at  XXXX  provided. I was then told by   XXXX    ( the company  XXXX  uses  ) th at I had an additional 2 years of payments needed. They had converted the installment plan to a different lease without giving me any options.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
For example, I recently set up an automatic payment for a credit card. I had transferred money to XXXX account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a {$34.00} overdraft charge. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an XXXX, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Trouble during payment process

Complaint: In  XXXX  of  XXXX , I received a notice from   XXXX   XXXX   XXXX   XXXX   that my loan was being transfered to Shellpoint mortgage. They sent me a bill in  XXXX  and I have been paying. However, very prominently displayed on my statement ( attached ) is a demand for {$29.00},   XXXX   I was shocked. I called to inquire and the representative said it was legal fees from when I modified my loan with   XXXX   XXXX   XXXX   in  XXXX . I was told it would come off the  XXXX  statement. However, when I called in  XXXX , I was told that I might owe this money. How can I owe this money when the modification happened in  XXXX  and I have been current and paying my bills?
The second issue is that this mortgage company has put forced placed insurance on me when they know that there is no structure to be insured.  XXXX  of  XXXX , the house for this mortgage burned down -- only the land remained. Even though I have been living like a dog, in trailer without water or electricy, I work two jobs to pay my mortgage. That property is all I have. ( You can read about my struggles in w  XXXX   ). I would like help before I get caught in the bureaucracy of this crazy lender.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation