milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address XXXX XXXX XXXX shows up as one of my addresses and I 've never lived here in my life!!!! I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Over the past 5 years I have been making small, {$50.00} payments to Sears for a charged off credit card account. On XX/XX/XXXX I contacted Sears in an attempt to settle my outstanding debt. They informed me that they had sold the debt to XXXX XXXX XXXX, XXXX. ( XXXX ) On XX/XX/XXXX I contacted XXXX and was told that they had obtained a judgement against me. I asked if we could settle this debt, and we agreed that it would be settled for {$1900.00} as soon as I received a letter confirming that the Judgement would be recorded as satisfied after my payment was received. As of today XX/XX/XXXX, I was told on three different occasions that the settlement letter was in the mail, and once that it would be emailed to me. Today I was told that there was no settlement letter on file, and that they had no intention of providing one. I 'm at a loss as to what I should do. After the lies, and refusal to send written confirmation of the settlement agreement, what are my options? Do I need to hire a lawyer to have this resolved? Please 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 explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: on or about XXXX/XXXX/2015 a tree fell on our house doing damage to roof. the work has been completed and wells fargo is refusing to release payment to the contractor unless we agree to a repayment plan on our mortgage. the insurance is paid by me out of my own pocket. 

XXXX XXXX ( my wife ) has spoke to wells fargo several times first time they said no problem we will send out the paperwork right away. the paperwork never comes. XXXX calls again wells fargo says sorry that we never received the paperwork that their records show it was sent XX/XX/XXXX and will XXXX the paperwork out immediately. the paperwork never shows up.XXXX calls wells fargo again this time wells fargo says they cant send the paperwork until they receive the check. XXXX and I sign the check and send to them. wells fargo told us that once the work was inspected they would release the money to the contractor. now today XXXX/XXXX/2015 wells fargo says they will not send paperwork or release money to contractor unless we talk to the mortgage division and can work out a mortgage repayment plan. 

XXXX 2015 Wells Fargo filed foreclosure in XXXX county court and my Attorney XXXX XXXX has answered the summons and has request it to be dismissed and or sent to mediation. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with U.S. BANCORP (MA).
Issue: Unsolicited issuance of credit card

Complaint: US Bank claims is refusing to provide evidence that the credit card debt is valid, I have requested, numerous times, proof that I authorized this account. They are ignoring my requests, including the most recent one, attached, which was sent by certified mail. 
If US Bank can not provide proof of authorization for this account, then one can speculate that US Bank can not provide proof of authorization for other accounts. 
There is a history of banks opening cards, XXXX, without consumer authorization. This is a serious concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with General Information Services, Inc (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is the first time ive ever received my background check and i have never broken the law the misdemeanor in XXXX XXXX, Ia was done by someone who gave the police my information i know who it is because shes my sister she told me she had gotten it fixed 8 years ago but obviously from my background check she has n't i have contacted her and she has been willing to help with getting this corrected.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction. 

I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature. 

The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score. 

I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging. 

This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging. 

I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ). 

I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.

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 07/20/2017 about Student loan (Private student loan) with CITIBANK, N.A. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.

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 01/24/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: Refinanced XX/XX/XXXX Wells Fargo is unable to correct problem that they created by adding escrow to the loan. Wells Fargo failed to pay property tax which caused home to go to tax sale. Spent three months telling them they forgot to pay my property tax. Finally in XX/XX/XXXX they paid taxes late which cause the next year escrow account to double causing financial issues. DO NOT NOT WANT WELLS FARGO TO PAY MY ESCROW. 
The following year computer decide to triple my escrow account as payment was under {$400.00} a month and with escrow around {$500.00}. Last years account was {$560.00} which should be XXXX dollars less and taxes and insurance should be no higher than {$500.00} This years escrow should be not {$600.00} for their mistake but again there was over {$800.00} short fall. Each time I call and right they delay and refuse to admit the mistake and give me credit. 
The customer relations department is terrible and just lie or transfer to another department Account XXXX Wells Fargo Bank

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (MI).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 my attorney in XXXX XXXX wired me {$16000.00} USD from his account at XXXX XXXX XXXX XXXX XXXX to our XXXX account using Chase Bank as the transfer agent bank. As of today, XXXX XXXX, 2017, the funds have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with ZIONS BANCORPORATION (NV).
Issue: Unexpected or other fees

Complaint: We got a secured prepaid credit card with Nevada State bank about 3 years ago. We were never told the card had an annual fee, and up to this year we have never been charged an annual fee. We do not have a balance on this card. We have only used the card once and we paid off the balance that very month. This was when we first got the card. The credit on this card is the money we paid to secure the card, so the bank did n't actually lend us any money at all for this card. Suddenly, we were charged an annual fee, and then we were charged a late fee on the annual fee. So the bank is basically stealing money from us by fabricating charges, not sending us monthly statements nor having a clear way to check the statement on this card, then charging us late fees on their own fees. We called the bank. We explained the situation and they refused to explain why suddenly we are being charged annual fees when we have n't been charged those in the past. We asked the costumer service agent,  XXXX , to look into the history of the card so he could see for himself that this is the first time we 've been charged annual fees. He (  XXXX  ) claimed that he was not allowed to look that far back into the account. We asked this  XXXX  to waive the fees and he refused. He also refused to close the credit card even after we paid their fees. So now by refusing to close the card the bank is refusing to return our {$2000.00} dollars back which we used to open the card. Nevada State bank is stealing {$2000.00} dollars from us!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Around the end of   XXXX   they kept calling me for federal loan forgiveness! They asked for {$200.00} to proceed the paper work! Right around the time  Naveint bra nched from  XXXX   XXXX ! The took my money and put my account in forbanch for 2 months and then said I do n't quilify and went to paying the same! They steered me to federal forgiveness said I qualified took my money then told me it wo n't work I make to much at the time I was unemployed because I got back to work they said I can no longer do it!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is an account with a company called Stellar Recovery which is unknown. I have requested validation of this unknown account and nothing has been received. False and inaccurate data listed on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax refuses to investigate credit inquires I have disputed this with the cfpb multiple times and no change from Equifax Equifax continues to state that I must contact the creditor if I disagree with the inquiry but Equifax continues to display inaccurate info at the expense of my credit score and credit reputation

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 01   XXXX   XXXX     XXXX   XXXX   XXXX   Open {$3300.00} Account Details Last Reported   XXXX   XXXX   XXXX   Collection Agency   XXXX   XXXX   XXXX   Original Creditor 01   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX  , CA   XXXX     XXXX   XXXX   XXXX   XXXX   Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Problems when you are unable to pay

Complaint: American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bankruptcy A-Discharged CH-XXXX  XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from my 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