milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an  officer  of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve to date.

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 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: In answering complaint XXXX Wells Fargo wrote two letters dated XXXX XXXX, 2016. (Enclosures B & C to the answert of Wells Fargo to my request)Both letters misspell my name. One totally butchers my first name, the other my last name. Is this an indidcation on the thoroughness of Wells Fargo's work? In both letters Welss Fargo promisses to remove or reclassify the inquiries which were made about my credit report with XXXX, XXXX, XXXX, and XXXX.I just checked my XXXX credit report and none such action by Wells Fargo is reflected.

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 04/21/2018 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: I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from Citibank that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from Citibank. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with Dovenmuehle Mortgage from XX/XX/XXXX to XX/XX/XXXX. The issues started when they took over from the first mortgage company ( I guess that is common to be bought out by another early on ). They told me to use the same coupon book that my payments would be forwarded on.. So I did so.. They notated that I was late almost every month bc of the mail time it took for the payment to be rerouted. I tried to do bi weekly payments via wire to get this corrected but they did not accept that form of payment ( of course not then how could they charge late fees ) ... so I tried to do online payments.. that worked for a little bit until they turned that feature off.. so I could no longer do online so I had to go back to mailing in payments ... towards the end of my loan.. they would say.. we never received your payment.. then all of a sudden it would show up.. or I would send a payment and they would return it and not apply it to my loan. I would message them all the time on their own website asking for assistance to get this resolved and no one responded or when they did it was weeks to a month later ... Horrible customer service. They took no ownership in their errors or lack of response to their website issues. I can now not get approved to buy a new home and am stuck with this on my credit due to their lack of customer service. Also I closed on XX/XX/XXXX and as of XX/XX/XXXX they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX is using deceptive practices in an attempt to benefit from an increase in late fees due to a system limitation and/or flawed process. I had a negative balance in my toll tag account which I do not dispute. As such, I received invoices and subsequently deposited {$100.00} in my toll tag account. The {$100.00} would have covered several invoice balances and would have eliminated the accural of additional late charges. XXXX did not credit the surplus funds to my outstanding balances and as such continued to collect late charges. They sent XXXX invoices to " collections '' while they were sitting on {$100.00} in the toll tag account. They told me they were not able to waive the excessive late fees because the system did not work that way and would not automatically transfer the funds. You have to call to do that and that is not disclosed anywhere. As such, they continued to collect late charges based on an aging criteria. 1. XXXX needs to fix their system so if there is a balance added to the toll tag account it will be automatically applied to any outstanding bills. 2. They should also be able to be applied to balances in collections and waive those late fees if it their was a balance in the toll tag account as their " collections '' department is in house and owned by the XXXX. My total late charges paid were 56 % times the amount of my original toll. Unpaid balances should be paid by surplus toll tag account on a XXXX basis. Banks are cited for these sort of practices, so why should n't the government be held to the same standard? Example : Toll charge 1= XXXX Toll Charge 2= {$26.00} Total for that invoice is {$88.00}. Late Charges are {$70.00}. A total amount of {$150.00} was sent to ( in-house XXXX ) collections. Collections attempted to collect on {$150.00} while I had {$100.00} surplus balance in my toll tag account. In addition, there were newer oustanding invoice balances that continued to accrue late charges as that surplus balance remained in tact.

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

Complaint: In  XXXX   2017 I request ed my mortgage provider,  Suntrust Mortgage, begin drafting my savings account instead of  my checking account from  XXXX   XXXX   XXXX   XXXX   XXXX  for my monthly home payment . Suntrust indic ated they had made the changes and the  1st  draft from my savings would begin in  XXXX .  Suntrust then drafted my checking account as usual. I did not have the   funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur  XXXX  non-sufficient fund charges for {$30.00} each. I contacted  Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust  drafted my checking account like usual -- not my   savings account as I had request and they assured me they would. My bank provided me a copy of the  XXXX  draft attempts and  XXXX  insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.

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 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Had car loan with XXXX XXXX XXXX, same was voluntarily surrendered in XX/XX/XXXX. Item was to have been removed from my credit file from XX/XX/XXXX, and now is XX/XX/XXXX and it is not removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 03/15/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently have been getting a call from a XXXX saying that I owe a debt. The person named XXXX does not identify the agency that she works for or says where the debt is coming from. I did get an email saying that I owe money from XXXX, but it does not give specfics of when I took out the alleged loan and that there has been multiple attempts to contact me and I have not responded. When I google Chaplain Financial it comes up as scam. The call back number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
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: I have contacted all 3 credit reporting agencies to have this late pay removed from my credit report. This account is a student loan for my son. I completely understand that as a co-signer I am also responsible for this his account. However, I was not notified that it was 30 days late. He has multiple loans and is trying his best to keep them all current. 

It is just not right that one of the three agencies responsible for maintaining consumer personal credit information ( XXXX ) can have a major breach ( affecting millions ) and NO repercussions. My son was late ONE time and this stays on MY credit report for SEVEN YEARS! It clearly is a double standard here. Consumers can not make a mistake. I understand my credit is not the best but I have never had a late pay ( 29 years of credit history ). I have had 4 credit card companies send me letters closing my accounts. This is a disgrace and the laws need to be changed relating to Fair Credit Reporting Act. There is nothing fair about this Act. SEVEN years is just not right. XXXX will remain in business and my credit has been destroyed due to a simple mistake. 

I am asking to have this negative item removed from my credit report immediately.

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 02-06-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: In mid-XX/XX/XXXX, I opened a XXXX  Checking account with HSBC with an initial deposit of {$1500.00}. Two months later, I received the letter I've attached dated XX/XX/XXXX. They used vaguely threatening language to convey to me the notion that if I didn't provide them with unspecified additional information, my account might be closed. They provided a toll-free number to call.

On numerous occasions since then, I have tried without success to reach them. There have been hold times up to 30 minutes without an answer ; their system offered to let me leave a call-back number but I was disconnected ( twice ) upon selecting that option ; twice, I selected that option and was told the mailbox was full ; and twice I was able to leave a message including my call-back number, but I've heard nothing. I've tried other HSBC customer service numbers, but I was told I needed to call the specific number on the letter. I've tried their Chat feature on their website but was told I needed to call the specific number on the letter.

In short, I have gone to extraordinary lengths to try to comply with their request, but I've been thwarted at every step. I'm through trying. I'm seeking your help in punching through their barrier to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: in 2007 I refinanced my house for 15 years with XXXX XXXX XXXX, my payment is {$2100.00} for principal and interest only, I have not escrowed since 2007, I pay my own insurance and my own taxes since then with no issues. I have received noticed of an escrow analysis that was performed on my account recently, I 'm pretty sure there is a mistake as this particular servicer has been making them ever since they took over a year or so ago, I do not engage with them as they never know or claim to not know what is going on. please help, as per my closing documents, I DO NOT ESCROW. thanking you in advance for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I made a deposit of {$1300.00} to my new US Bank account on Thursday morning XXXX/XXXX/2015. The funds were removed from the account that the check was drawn off of on XXXX/XXXX/2015. I wrote XXXX check for {$420.00} and performed XXXX small debit purchases over the weekend with the full awareness that my account had over {$1000.00} in it. Come Monday morning XXXX/XXXX/2015, US Bank had assessed me overdraft charged, returned the check I wrote on Friday AND tells me that I am now {$300.00} in debt to them BUT my account balance is {$1000.00} that they will not acknowledge until XXXX/XXXX/2015. I checked with the CFPB and unless the check was drawn off a foreign bank ( nope, drawn off a California credit union ) or is in excess of {$5000.00}, they can not legally hold those funds for more than 2 business days! I have been down to the branch XXXX this morning. I have shown them PROOF the funds have been withdrawn from the payees account. I have had XXXX long telephone conversations and STILL they will NOT RELEASE MY OWN MONEY THAT THEY HAVE IN THEIR POSSESSION TO ME. Not only that : THEY ARE ASSESSING ME FEES. This is a scam and must be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have several student loans ( private and federal ) being serviced through Navient ( formerly XXXX ). For some time now, there has been a pretty large discrepancy between the total current balance displayed on my account on Navient 's website and the total balance I get when I add up every transaction on my account for every loan throughout the life of each loan, I get a number that is approximately {$20000.00} less than what they are showing my total balance to be. I 've contacted Navient several times ( they 're claiming they have record of 3 times, it feels like it 's been more ) for some explanation as to why this discrepancy exists. Each time I call, I get a different reason and then I 'm told that a request is being entered for research to be performed on my account. Once the research is completed, I 'm told I 'll receive a written explanation in the mail. So far, I 've only ever received account summaries for a few of the loans I have through Navient. I 've never received any type of explanation or anything meaningful that I ca n't get myself from their website. I 've had 2 customer service reps tell me that the sum of all transactions on my account should be equal to my total account balance and that they do n't know why they 're not adding up correctly. Another rep told me that it could have something to do with them transitioning to a new system or their new website ( when they changed from XXXX to Navient ). In any case, I 've yet to receive any valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Servicing Associated Fees on a Loan Reinstatement quote. 
- Military Alive Affividat fee {$10.00} - Dismissal Fee {$230.00} - FC Thru Complaint {$50.00} When a verbal request was given to remove fees, counselor was told that no fees would be removed and that they were all valid.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Other mortgage) with PREFERRED MORTGAGE CORPORATION (TX).
Issue: Settlement process and costs

Complaint: I received a closing statement from a Mortgage Bank in Puerto Rico called Preferred Mortgage. I am one of the heirs and was not part of the transaction or the negotiation of terms and conditions. The statement states that the closing already happened and it is my believe that the closing costs are inflated. In the statement it states that the seller will pay for all closing costs and I was not part of this decision.

Company response to consumer: Closed with explanation