milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX  credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my experian credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Auto) with WELLS FARGO & COMPANY (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account is and has been resolved since XX/XX/2013 but Wells continues to report balance owing on my credit for the past few years.

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 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but he was not able to resolve the issue to my satisfaction. 

I have included a screenshot of the removal of my inquiries. I do not have a record of when they were re-added, but an examination of my credit report will show that they are again present.

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 03/31/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (VA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: to whom it may concern i am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims, when i did ask for all the documents in my dispute letter then they sent me muitlple copies of my credit reports. My point of this complaint is i want to resolve this matter out court. So if they can provide me names and numbers of everyone they spoke to verifying accounts. Also the orignals applications with wet pen ink signatures, and the method they use to verify this accounts and once proved to all not to be legal verified accounts please remove all accounts immeditley, and dated out and unauthorized inquires. i have also provided my Social security card and Identification for proof of identity again so if a reported anything different then whats on my Identification i was n't me 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 explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Scenario # 1 On XX/XX/XXXX 3 checks went into my account in this sequence 1st - {$450.00}, 2nd {$53.00}, 3rd {$25.00} which cause me 3 {$35.00} fees. According to Wells Fargo available balance & posting order from page 21, it says, " pay to checks and preauthorized automatic ach payments from lowest to highest dollar amount '' They have done this to me for months. sometimes they do it from lowest to highest and sometimes from highest to lowest. 

Scenario # 2 On Approximately XX/XX/XXXX, I called to replace my account do to a lost check book with unknown number sequence. They mentioned to me that they couldn't replace my account at that time until a new acct representative calls me back. Customer service asked if I wanted to block all transactions or checks only, I requested ALL transactions to be blocked since I couldn't deposit into the account with high risk. Transactions still came in and was charge 4 fees. They  never put an all block hold and they said they couldn't do anything about the fees.

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 11-04-2015 about Credit card () with CITIBANK, N.A. (AR).
Issue: Other

Complaint: ATT universal card through Citi, XXXX XXXX, 2015 some with XXXX, Account Manager in the Maryland office, XXXX. She was to provide my account number via email within 24-48 hours, XXXX told me she did not have a telephone extension tgat if I called back they would send her a message to reach her. XXXX XXXX, 2015 I had not received the information. I called back spoke with XXXX, XXXX, she said XXXX was in and that she reached out to XXXX. XXXX stated that XXXX was assisting another customer and would call me. I provided my telephone number XXXX times to XXXX. XXXX XXXX information still not received and XXXX did not call me back. I called again spoke with XXXX, XXXX, I asked for someone above XXXX and was placed on hold. I was told that I could speak with XXXX another Account Manager. I said no that I wanted someone above XXXX 's level and I was told that is the hugest level in customer service. I told her I did not believe tgat XXXX is the highest level. I was told she is the highest level and for me to write Citi about it. 
It is eight days since XXXX told me my account number would be provided to me by email within 24-48 hours.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with FIRST CITIZENS BANCSHARES, INC. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Going back to the end of XXXX beginning of XXXX XXXX XXXX based in California has been constantly harassing me about a 5 year old debt I was n't aware of. They called speaking extremely rude to me, threatening to sue me, telling me that this so called " debt '' will damage my credit score and that it will basically disrupt my finances, that they will garnish my wages, and they refuse to send me anything in writing, verifying that the debt is actually mine ( even after I have requested documentation every time they call ) and that it is n't a scam. They call non-stop and the guy XXXX XXXX was being very loud threatening and rude to me even after I told them to " do what you have to do '' telling me that I " need '' to take care of this and that other debts are n't as important and that it will mess up what I have going on in my life. They continue to call from numbers that are n't based in the US ( such as XXXX ) even though they say that they are based in California. When I asked why he lied about it.They keep threatening to take me to court and refusing to send me any information regarding the debt and that all these different horrible things will happen to me if I do n't pay them and telling me what I " have '' to do. Their number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On a letter received from Wells Fargo Home Mortgage, dated XXXX XXXX ' XXXX and signed by XXXX XXXX XXXX, Executive Resolution Specialist, he indicated the numbers that they used to consider a HAMP-Tier 2 Loan Modification. On it he did mention the amount of {$600.00} paid monthly as property taxes, which brings my home to income ratio to 45 %. This amount is wrong, the correct amount paid is $ XXXX/month ( {$5200.00} paid between the XXXX XXXX and XXXX XXXX installments ), which brings the ratio down to 43.43 %. 
Moreover if the can consider dropping the interest rates, on both loans XXXX and XXXX to more up-to-date levels ( the XXXX XXXX loan interest rate is at 5.25 % ), the ratio will be brought even farther down, to 35 % or even less. 
I 've also asked for a disclosure of all the Loan Modifications Plans they have used while trying to qualify us. 
This process with W.F.H.M. has been a struggle, to say the least, with a tremendous amount of paperwork coming through, but NO real help..!! 
I do wonder if this is not a case of discrimination..!!

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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OH).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a current cardholder of Synchrony. I have been for more than 7 years. Synchronys systems have complete access to my information. 
In XXXX, someone stole my identity, and applied for credit fraudulently with Synchrony and other creditors. 
When the application came through with my social security number -- the thief used an address in Texas. As synchronys systems show on my CURRENT account, I live in Ohio and have ALWAYS lived in XXXX is a major red flag discrepancy and an indicator of identity theft. 
Ignoring clearly defined red flags of address discrepancies outlined in FACT Act of XXXX, Synchrony not only approved the card, but also provided the thief the  opportunity to furnish her home to the tune of nearly XXXX XXXX dollars. Her home in TEXAS, where the furniture through XXXX XXXX XXXX was delivered. 
Synchrony also CARELESSLY updated my credit report with inaccurate addresses and a date of birth further harming me. They also updated the account as closed rather than removing it, which also adversely impacts my credit score. 
Additionally, now that there is new data including an account, inquiry, addresses and aliases on my credit reportmy current home loan pre-approval and search for a new home must be placed on hold. 
I have spoken to their representatives XXXX times now. Each time I call, I am more concerned with the role played by Synchrony and its noncompliance with the FACT Act and Red Flag Rules designed to protect consumers like me. 
Synchrony has REFUSED to provide me with answers as to WHY they approved the glaringly obvious fraud application, why they ignored red flag rules, why they continue to update my credit report with FALSE information.
They have also refused to provide a physical mailing address to send legal documents.
Synchrony is making this devastating experience even moreso by their continued victimization of me.
I 've spent countless hours on the phone with the CRAs and creditors -- including Synchrony. To date, Synchrony was the ONLY creditor that approved an account applied for by the identity thief. Ironically, it is also the ONLY creditor with whom I ACTUALLY HAVE AN ACCOUNT.
I wonder how many other Synchrony consumers are affected by your firm 's nonchalance?
I would like all information regarding the Red Flag Rules that were ignored and how my account could possibly be approved given this information. I would like a copy of the application -- which I have requested in writing. I would like any and all documentation related to this account and the fraud that was permitted by Synchrony 's failed red flag rules.
If Synchrony is refusing any of this information, I would like the registered agent 's mailing address.

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 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Repeatedly told them debt is n't mine

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: According to my recent XXXX credit report my XXXX account information has not been update to reflect my current payment status. This is unacceptable! I am working hard to create a better life for myself and would like all my payments to reflect my hard work. This error has probably caused points on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no idea what this debt is regarding

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 12/29/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, I called Chase Mortgage requesting they prepay my XXXX real estate taxes in XXXX County. After being put on hold for 2 hours, I was finally connected with a representative. She was able to access our tax bill and confirm that it could in fact be prepaid by the end of the year. We had a lengthy discussion, at least 20 minutes regarding the process. She indicated that the XXXX was the last day to request payment through escrow and while they require 7 days to ensure that the payment is processed, they would do everything to expedite it. They were unable to provide any kind of confirmation of payment, which seemed penalizing to the consumer. I also requested a call back from a manager just to confirm the process ( I never received a call back ). My husband called Chase today, XXXX to see if the payment was made. If it was not, we were going to float the over {$5000.00} payment even though we had sufficient funds on hand with Chase. According to the representative, the notes in the file indicate I had requested specifically that they not prepay our real estate taxes and thus it was too late to do anything. I am utterly furious- someone at Chase clearly lied and now we are scrambling to make a payment by the end of the day. How can a major bank so clearly misrepresent their customers. There is a recording of this call and I want access to it. I feel I should be liable for the interest/ float from this time until I am reimbursed. They are in fact holding my money. And for time spent on the day after XXXX that I could have spent with my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted  Prestige Financial  and  XXXX   XXXX   XXXX   XXXX  about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in  XXXX   XXXX  getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information.  Prestige Financial  sent a letter back dated  XX/XX/17    stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in  XXXX   XXXX , Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract Prestige to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my  credit score t o decrease and I want these inquires removed from all there reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax has reports my address, phone numbers, and name incorrectly as well as my student loans status, medical bills reporting incorrectly. This has significantly affected my approval for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Calls are coming from Citi card services. I have been in touch with them at least 4 times within the last month advising them of my financial difficulties ( I am out of job ), that I am making payments whenever I get any money and that I understand my obligation to paying my overdue balance. I made a payment this weekend. At XXXX XXXX Monday morning and today again at XXXX, I received robocalls advising me to call them regarding my financial situation. I then received calls from the same number at XXXX XXXX Monday and today at XXXX, I was in job interviews at these times and could not answer the call. No message was left to call. As I was filing this complaint ( XXXX ) I got a call from the same number. I said Hello 3 times before somebody finally spoke and identified themselves as being from Citi card services and that I had not made any payments recently. I explained to the woman that I had made a payment over the weekend and advised her of everything I have written above and advised her that while I was aware of my debt. Calling me at midnight every day in addition to the other calls was harassment especially since I had been in touch with their company repeatedly to address the matter. I advised her that I was filing a complaint with the CFPB. She said that she would put me on their do not call list. I stated that I was still filing the complaint She laughed and said that she had n't called me all those times. I asked for her name and employee ID. I had to ask her at least 4 times to repeat her name and ID as she kept saying it as fast as she possibly could. She gave her name as XXXX and her id was XXXX. She said " Bye '' and hung up on 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 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: To whom it may concern, I opened a secured credit card account at Wells Fargo a few months ago, and told the banker very clearly that I would do the autopay with my checking account from XXXX. She said no problem and asked me to open a saving account on Wells Fargo. After a lot of signature without further explanation from the banker, she said that I was all set. I was actually very happy at that time, did not know she linked my secured credit card with my saving account from Wells Fargo in which I do not have enough money to pay back. I did not realize it only after about a month. For sure, it gave me a lot inconvenience later. I spent hours on calling/writing them many times trying to ask for the feedback from Wells Fargo. They did not admit the fault they made, repeatedly showed me that my signature was on the document. However, I was never told the document was the autopay linked to my Wells Fargo saving account.

Thank you for listening.

Best regards,

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 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My name is XXXX ( DOB XX/XX/XXXX ). I had a student loan with XXXX and I had agreed to pay {$5.00} per month for nine months and my student loan would be forgiven out of default. My loan was then transferred to Navient and I am receiving mail from them saying I owe them money. This loan should not have been transferred and I should not be contacted by Navient. Please get back with me via e-mail at XXXX regarding this matter. I currently do not have a phone at this time and I am homeless. 

Sincerely, XXXX

Company response to consumer: Closed with explanation