milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with ZIONS BANCORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: National Bank of Arizona charged my checking account {$33.00} for NSF fee for a " pending '' transaction. My account was never overdrawn as my payroll check was deposited before the item cleared my account. Even my online statement shows that my account was never overdrawn. I called the bank and they refused to reverse the NSF fee.

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 11-03-2016 about Mortgage (FHA mortgage) with Core Advisory Group, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, My name is XXXX, I have been scammed by this company Core Advisory Group who promised me that they can help me stop my foreclosure which was scheduled for XXXX XXXX, 2016 and the property went into auction on XXXX XXXX, 2016. Prior to contacting them initially, I received a very promising mail postcard that stated, they can stop/postpone my foreclosure and that I am eligible to a be plaintiff to file a federal lawsuit against my lender XXXX XXXX, and they can reduce my interest rate down to 2 % plus and also be awarded for monetary damages. I called their toll free number and spoke with XXXX XXXX who had explained to me the process so I signed up with this company back on XXXX XXXX, 2016. I paid this company a total of {$2200.00} which included a {$120.00} for their notary service. Everything that they had advertised was all lies and deceit to get me to call them. They promotion about their XXXX XXXX XXXX XXXX where they file complaints against banks to force these banks to give better negotiation terms and stop/postpone foreclosures are n't true. I feel this company have misled me into thinking they can help me but it turns out they ca n't and there was a new change that went into effect on XXXX XXXX, 2016 with my FHA loan that made it impossible for me apply for a loan modification because I am too severely past due, this is something this company should had known from the beginning but they still took my money. This company should have never taken my money upfront if they knew they could n't help people like me. I want my money back. Their program is grossly misleading and now I am out of {$2200.00} plus my home has already been auctioned off. I could had used that money for my moving expenses or hired someone else who knew what the XXXX they were doing but I fell for their promises that they ca n't deliver, and their final attempt to help me was to have me file for bankruptcy or convert me into their eviction defense program which is another way to convince me to allow them to keep my money. After my house was sold on XXXX XXXX, 2016, this company with no sympathy to my pain and embarrassment that I am about to face, went ahead and deposited my check of {$740.00} on XXXX XXXX, 2016. According to the FTC ( XXXX ) rule this company has collected illegally fees upfront before providing me any relief with my mortgage. I hope this is a lesson learned for them to stop this kind of illegal practices and giving people false hopes by lying to them so they can take people 's money that is criminal. I did cancelled with them and asked for my refund but they only offered me {$450.00} out of the {$2200.00} I had already paid them. In desperation I agreed to the amount but they still have n't refunded that amount and its more than 45 days now. This company is a scam and should be shut down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company had called and threatened coming after my family and I filed a cease communication. Since then they just change people calling all of my family. They continue to threaten my brother, sister, and mother. They called my brother and threatened to find out where I live and constantly harass my family. I no longer live with my family and I have been unemployed. I have been going to college and have been trying to just survive. I wish to resubmit a cease communication again.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attempted to reach out to Citibank a few times in regards to an identity theft issue. I have never opened an account with them, nor have they sent me a credit card statement. The only thing that I have received from them in the last few months is multiple offers for new lines of credit. Their negligence in regards to this matter has caused me major XXXX and XXXX. This is my last resort. I will be going to legal counsel this next week if this is not resolved. I also wanted to forward this over to the CFPB for investigation on your end. I live at a home that I have owned for the past few years. I find that Citibank has acted in complete negligence or with fraudulent intent if I have not received any information in regards to a matter that I have local law enforcement looking into. Citibank tried to blame this on the local post office. The post office actually contacted me in regards to this to indicate that they have investigated the matter and found that no one is forwarding my mail to another address or anything that they can control. The local police department reached out to me and are currently investigating this crime that has been committed against me. What does Citibank do? They call me twice. Once to try and sell me a " credit monitoring package '' which I am not interested in. Why would I want someone who obviously ca n't figure out how to issue a line of credit to the correct person in the first place monitoring my credit? The second call was at XXXX XXXX in the evening when I was trying to navigate on a road that I was unfamiliar with in TN. I had to disconnect the call. I spoke with some gentleman anothe time and he said that someone would get back to me. No one ever did. Overall my complaint is 1. I never took opened a line of credit with this company. I filed a police report. They do not want to acknowledge this. This was caught by other lenders XXXX XXXX ( who I had an account with previously ) and XXXX and they decided not to issue the line of credit. 2. Absolutely no one will call me back in regards to this. 3. From everything else that has gone on with other companies, I have no other believe than that someone internally over at Citibank opened a line of credit under my name and they are refusing to acknowledge this. This is hurting my overall XXXX XXXX by over XXXX points. I either need your assistance or need to contact an attorney to litigate this matter. Please help me CFPB. Thank you for your time and my apologies in regards to the long message on 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 non-monetary relief
Consumer complaint received 05/23/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Credit cards/store cards were opened in my name and birth date with a social security number that is not mine. These accounts have been reported to  XXXX   XXXX   XXXX  in which are harming my credit. I have disputed these account 8 times and  XXXX  a long with these companies have yet to do the right thing and remove these fraudulent accounts off my credit file.

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 02-04-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I would like to have incorrect mailing addresses and incorrect aliases removed from my credit reporting files. In the past, I have disputed incorrect names and addresses, yet they remain on my credit reporting files.

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 06-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Submitted a request on XXXX/XXXX/16 via Equifax 's online Dispute process to have the Consumer Statement ( which will expire on XXXX ) moved to the XXXX account as originally requested. My request also asked that the supporting documentation ( letter to XXXX ) be added to the account. 

It 's now been 45 days and as was the case when originally submitted, Equifax is yet to process the dispute as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Struggling to pay mortgage

Complaint: We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.

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 11-11-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (MO).
Issue: Account opening, closing, or management

Complaint: I was formerly a Scottrade customer and former college intern at the XXXX XXXX Scottrade HQ. I am writing this complaint to express my dissatisfaction with Scottrade 's customer service. 

Specifically, as an intern I witnessed Scottrade management specifically instructed Scottrade employees not to help customers who have been the victim of hacks, are complaining about fees, or have complaints that require a " significant amount of resources ''. This corporate culture rubbed me the wrong way and I chose not to continue my internship at Scottrade and would advise others not to conduct business this this company. 

In regards to my Scottrade account, a Brokerage Account and a Bank Account, I closed them after taking my leave and moved my money elsewhere. However, recently, I was informed by Scottrade ( no differentiation between whether Scottrade Brokerage or Scottrade Bank was the entity ) that my personal information was exposed in the recent Scottrade hack. 

I written to Scottrade 's customer support and have not received a response. My concerns are as follows:1. ) Scottrade 's instructions for getting identity theft protection services do not work. Specifically, the phone number Scottrade provided did not work. 
2. ) Scottrade will not respond to my complaints or provide any explanation about the hack. 
3. ) Scottrade will not provide an explanation of whether Scottrade Brokerage or Scottrade Bank was effected. 

In light of the above, I believe Scottrade is trying to " short cut '' and " down play '' the seriousness of this hack in order to avoid having to spend money and resources on treating customers right. 

As a former customer who had his data released as a result of Scottrade 's incompetence, I would like Scottrade to respond.

Company response to consumer: Closed
Consumer complaint received 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Billing statement

Complaint: I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I asked Experian to investigate the listed accounts on XX/XX/XXXX, my request was granted they immediately started to investigate all accounts listed. Two months passed before I received a update. On XX/XX/XXXX I received my updated credit report stating that XXXX out the XXXX accounts in question we 're deleted. I have uploaded the original request that started the investigation and the updated credit report. I called Experian a few days later because I had a few questions about my credit report and that 's when I was informed that the reason the accounts we 're deleted was because the creditors did not reply in a timely fashion. On that same call I was also informed that on XX/XX/XXXX the XXXX deleted accounts we 're added back because the creditors wrote requesting the accounts added back, even after the allowed time by law had passed. I think Experian broke the FCRA. Please advise.

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 04/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount. 

I understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Trouble during payment process

Complaint: I make my mortgage payment every month on or about the same day every month. In 17 years I have never been not even a day late. USING THE SAME ACCOUNT TO PAY. The last three months bank says they can not identify the account or I have nsf funds available. I call my bank they say the payment was never submitted to them for payment .My Bank even asked for the federal reserve ID number so they could track the  payment. SunTrust w ould not give me that number. They are continuing to Insinuate that its something Im doing something wrong and I should pay a late fee They are harassing me with phone calls, letters saying I have not payed I have confirmation numbers for every payment! so every month I call and complain they try to make me pay a late fee I refuse they run the same acc number payment goes thru help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 12/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Other

Complaint: I have made payment arrangements and are making payments to Capital One but their automated system keeps calling me 10-15 times every day starting early morning to late night.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed Chapter XXXX. I received a XXXX settlement and filed a dismissal that was voluntary. They continue to show wage earner plan and this is not accurate. I have filed several disputes and still same run around. I have XXXX mortgages XXXX XXXX XXXX and XXXX XXXX as creditors. They show paid but wage earner plan this ie not accurate. I sent my HUD Settlement where the house sold and both we paid by wiring funds directly to them. They have all documents and still refuse to correct and show sold they show payments made through wage earner plan All their information is wrong and I am being affected by my score and they continue to report errouneous info.

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 03/31/2016 about Debt collection (Auto) with BB&T CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling my cell phone and work number every hour to 15 minutes ...

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 11-12-2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Personal Information Errors : Wrong name and address I 've never lived at or used as a mailing address : XXXX XXXX is the wrong nameXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address ive never lived at or used as a mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Despite the evidence I have provided indicating that the  XXXX   XXXX   XXXX   XXXX   XXXX  violated Federal Laws in the handling of this debt -- both by failing to notify me about it prior to reporting it to the Credit Reporting Agencies on  XXXX / XXXX /  XXXX   and then refusing to forward the debt back to the creditor in response to my formal dispute of the charges on  XXXX / XXXX /  XXXX   after I was notified about it on  XXXX / XXXX /  XXXX   -- the  Credit Reporting Agencies  have persisted in listing the debt as valid, despite my disputes submitted concerning the validity of the debt because of the Federal laws that were violated in how it was handled by the  Collection Agency  assigned to it.

Company response to consumer: Closed with explanation