milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: We needed to borrow {$40000.00} to purchase a house that was for sale in XXXX NV. We approached Wells Fargo bank, which we have been customers with since 1993, have all our checking & rental accounts with and XXXX house mortgage. We filled out their loan paperwork & submitted all necessary documents. We have an excellent credit rating, my husband is employed full time, I 'm retired receiving state retirement & working part-time. We own a duplex & XXXX houses, rented continuously for over 5 years, and a weekend home XXXX valued at {$180000.00}, all completely paid for. We have XXXX vehicles, XXXX that are financed through the credit union and XXXX paid off. We had no credit card balance at the time of the application, as we usually pay off the balance on our cards each month. 
*My complaint : With everything I have stated above, Wells Fargo Bank XXXX who has stated we were such great, long-time customers, could NOT borrow the asked for amount of money to purchase a house because " they were UNCOMFORTABLE loaning us the money! Why? Even our local federal credit union loaned us {$50000.00} in an unsecured loan, and we have XXXX cars on credit with them!! Something needs to be investigated into the loaning practices & customer services of Wells Fargo Bank. We were even willing to pay their outrageous interest rate & fee program. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion significantly change information in my credit report from XXXX XXXX, 2016 to XXXX XXXX, 2016, which also significantly dropped my credit score from XXXX to XXXX. I have attached my TransUnion Comparison Report for proof. 

I spoke with some women in XXXX, outsourcing is terrible, who was clueless in helping resolve the problem.

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 01/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had several credit cards with XXXX XXXX that I paid off and planned to close most of them. After the cards were paid off, I received letters in the mail from XXXX XXXX showing my credit score and notifying me they were lowering my credit balance. 

I never gave Synchrony permission to run my credit, I never asked for a change in my credit line, and I do n't know what gave them the right to run my credit without my permission.

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 11-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I made my XXXX XXXX mortgage payment on XXXX/XXXX/XXXX over the phone with a live representative, she waived the additional fee for making a " just in time '' payment and provided me a confirmation number ( XXXX ). In trying to refinance my mortgage recently, I discovered that my XXXX payment was reported as 30 days late. I called customer service to find out why and I was told by the representative that my payment was not processed until the XXXX XXXX. I informed him that my payment was made on XXXX and the representative assured me that it would be posted on XXXX and that was what my confirmation number was for. The representative on XXXX/XXXX/XXXX told me that the bottom line is my payment is 30 days late because they did n't process it until XXXX XXXX and that was the bottom line. He then refused to speak to me further because of an old notice from XXXX where I had an attorney representation and because of a cease and desist letter from then constantly calling. I explained that I wanted this matter resolved ASAP and that I wanted him to explain what was the purpose of them providing a confirmation number if he ca n't look in the system to confirm their own number.

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 12/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: visited the bank to ask about status of {$100.00} checking promo.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed 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 11/21/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I 'm XXXX and disable, I asked XXXX bank to transfer money from my checking account on XXXX/XXXX/2016, city bank suppose to send me ATM card for my saving account ending on XXXX to checking account ending XXXX about {$1500.00}, city bank agent XXXX stated he can do it because he has no access to it so transferred to his supervisor that said I can not do it because you do n't have the ATM card yet I told her I have the pin and was verified and you have my saving account number usually Transfer are between accounts not ATM, I have few checks coming on XXXX/XXXX/2016, what is going on why I can not transfer money between my accounts this is fraud at best I think CFPB must protect consumers aginst banks. 
Thanks

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 01/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I am trying to add my TD bank account to my XXXX account so I can have a working bitcoin wallet. When I put my TD information in to add the account, a prompt came up telling me the TD bank is blocking access to enable my external applications. This is the only account I can open my bitcoin wallet with and I should be able to add that account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: For the past 5 years I have had difficulties making payments. Yet the Navient n XXXX XXXX reps I always spoke too basically have been telling me that since I get food stamps n cant afford to pay to just keep putting my loans in deferment and/or foreberance until I get back on my feet. I have BEGGED THEM TO PUT ME ON A PROGRAM BASED OFF THE XXXX/MTH i get bt they have told me SEVERAL times A MINORITY and that forebearance n deferment IS ALL THEY HAVE FOR ME unless I win the LOTTERY and pay them ALL that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian has an incorrect address for me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA. 
I have never lived at that address and never sent mail there. In another profile section, Experian had my correct address of XXXX XXXX XXXX XXXX, XXXX WA. 
On XXXX XXXX, 2016, I advise the Experian dispute department of this over the telephone. They refused to open a dispute file claiming XXXX Bank, issuer of a XXXX XXXX XXXX credit card had that as my address. Further, tehy stated it was their " policy '' to require the consumer to call the issuer. XXXX did have that as an address fro me but not from me, but from the Experian report they ran. I did not know of the mistake. 
Experian stated it was their " policy '' to make the consumer correct the mistake with the issuer. I stated that they must take the dispute unless it is frivolous and it was not frivolous as they have XXXX conflicting current addresses for me, and I was advising them that the XXXX XXXX address was incorrect. 
I was forced to call XXXX Bank fraud who made the change and stated that they got the address from the Experian credit report. 

Experian 's " policy '' shifts the burden of investigating a dispute under the FCRA from the reporting agency to the consumer, and contradicts Experian 's obligations under the FCRA. 
No other reporting agency refused to allow a dispute. 
if it is is a policy of Experian to refuse address disputes, then there are likely countless other consumers to which they apply this policy. 
The correct procedure should have been to take my dispute information and open an investigation, allowing the consumer to also call the issuer. 
Experian has " security '' questions to access my online account with them. The questions contain incorrect information on lines of credit, mortgages and other information. Experian does not have a method to allow the consumer to explain or dispute the security answer, claiming that they are generated from the consumer 's credit report. However, if Experian incorrectly inputs information, the Experian system locks out the consumer from his own account. In addition, Experian refuses to address or allow a dispute of the errors.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.

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 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address reported on a XXXX account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I previously had a relationship with  XXXX  and ended it. They transferred my account to some collection agency, unannounced to me. Me and that prior company had arrangements and they removed it from my credit file. Now fast forwarding, I received an alert t hat Enhanced Recovery Company added ne gative information to my credit file. They never made an effort to send me a notice, call me or make some form of contact prior to adding this to my report. I have called this company 3 times in effort of resolving this and nothing. They simply have no resolution and the the agents that I speak to are rude.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My {$100000.00} student loan debt was transferred to Navient when  XXXX   XXXX  split. I consolidated my loans for ease of repayment. However, their interest rates were not, thus each individual loan remained with its original interest rate.     I paid off most of my loans by making overpayments, which I allocated to the individual loans in order of highest interest. I have only  XXXX  remaining loans,  XXXX  with a significantly higher interest rate. Navient, however, changed its website so there is no longer an option to allocate overpayments to separate loans. For months after switching to the new website they provided a link to the previous website, so I used that instead to allocate payments to the higher interest loans.     This option no longer exists. In the explanation of loan allocation provided on the website, the company states that if loans are consolidated, payments must be made together and distributed evenly between loans. I believe this is incorrect and illegal. Strangely, in a separate description of online payments, the website claims one can allocate online payments to loans as they wish. Yet, that option is not actually there.     Navient should be providing loan customers the option of allocating extra payments to their loans as desired.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Other bank product/service) with KEYCORP (OH).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2015 between XXXX-XXXX., I had got off work that morning and went to Key Bank in XXXX , Ohio to meet my Sister and Brother at XXXX. to discuss an outstanding loan debt with a loan officer. I was running about 5 minutes late, but when I arrived there, we were denied entry into the Key Bank located XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Ohio. They were only allowing XXXX in to do business. I felt that I was being discriminated against and could not understand why I was being treated that way. I have been a customer of this bank for years and I too was not allowed entry, we were literally locked out. I am an XXXX female who just wanted to talk with someone in the bank concerning modification of a loan. I was told to " go to another bank, on XXXX XXXX in XXXX XXXX talk with that Loan officer, who happens to be XXXX XXXX too. It was quite embarrassing. Though ... .after about 45 minutes, standing outside, witnessing XXXX police cruisers pulling in and them letting all the white customers out, my brother and sister and I were finally allowed entry. We asked why " we were not allow in but the XXXX customers were,? '' the Relationship Manager on duty, XXXX XXXX said, " because their system was down. '' That 's what explanation she gave us, which could n't be true, seeing that the white customers had no problem gaining entry and transacting their business. It was n't fair that me, my sister and brother were denied that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't owe any medical bills as I have always had insurance. The company has no right to have access to my medical re cords. HIPPA  has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Loan Amount :  XXXX  Paid to date :  XXXX  Loan # :  XXXX   XXXX  Personal Loan taken with Loan Me Finance Lender License #  XXXX   XXXX  Paid on time until I hit a hardship. They offered me an 8- payment plan of {$390.00} to begin in  XXXX .  Paid   XXXX ,  XXXX , called to pay  XXXX  and their phones were closed for the holidays. When they returned from break, they said because it was not paid on the  XXXX  they could not honor the payment plan.     I was not going to continue to pay more on this predatory loan, and they would not come to an agreement over the {$69.00} current balance.   They began to call me, put my account in collections with an incorrect past due amount ( reported to credit bureau ) On  XXXX   XXXX , I received this letter. Remember, this is 1 month and 2 days later than the payment date ( which was a holiday )  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX     RE : L oan # :  XXXX  Dear  XXXX   XXXX , This letter is to inform you of action that LoanMe  may tak e with regard to your delinquent account.       Pursuant to California law, your income is recognized as a collectible asset and is attachable through garnishment. LoanMe has the right to obtain a judgment against you and attach your wages to collect the judgment. We have verified your employment.       Your immediate attention to this matter is necessary. You must contact our office within  five d ays of this letter to discuss acceptable arrangements.       Sincerely,  XXXX   XXXX   XXXX  LoanMe , Inc .    XXXX  This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record  may  be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.       As y ou may k now, in California you must have a court order to garnish wages, I did not appreciate this scare mongering. If I was uneducated, I might have been very concerned. Especially since the balance owed is only {$69.00}. No one wants to have wages garnished for this amount.     They have called me 3 times per day and sometimes as late as  XXXX . They have now begun to call my work when I have specifically asked them not to, and called me  FOUR times in FOUR  MINUTES this morning. I sent them an email to cease and desist.     They continue to harrass me constantly and call my work. I literally recieve calls from them all day, every day. I was shocked when I started to receive calls from them late at night. Even at   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation