milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On  XXXX   XXXX , I went to Bank of America to close my deceased mother 's checking account. I gave them her death certificate and letters testamentary showing that I am the executor. They told me they would send it to their estate dept, I would hear from someone withi n 48  hours, and that the process would take 10 days -  2  weeks to complete. After about  2 w eeks I called them as I had not heard from anyone. The  manager  told me that I needed to fill out more paperwork, have it notarized and bring it in. I did all this and she told me that I should receive a check in 10 days  - 2 wee ks. After  2 1/2  weeks I called again to find out why I had n't received anything. After checking with the estate dept., she said that someone finally looked at the account and realized that it was left to the family trust, so we would need to start over again and a ll 5  trustees would need to fill out new forms, notarize them and send them back. SOMEONE FINALLY LOOKED AT THE ACCOUNT  FIVE  WEEKS INTO THE PROCESS!!! This was on  XXXX   XXXX , and the  manager  said she would mail the forms that day. My sister finally received her paperwork postmarked  XXXX   XXXX , over a week later. This has taken almost  two  months and still no resolution. We have been lied to and deliberately delayed.   Bank of America is making this process as difficult as possible, and dragging out the process as long as possible, either willfully or through complete incompetence. I believe they want to keep the money as long as they can.

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 03/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Logging on with XXXX XXXX XXXX 2014 it stated that access would be granted XXXX anytime I wanted to look. I looked multiple times and my credit score dropped out of sight at almost XXXX points. Now I do not know if someone has accessed my account or every time my profile received a hard or soft hit my FICO score dropped over this time period. Having a lower score has also increased my hard hits from financial companies while looking for a low re-fi interest and other personal loan request declined. Included are the reference numbers required. I have sent a dispute request to XXXX XXXX on line as requested and waited the number of business days requested with no reply. They encourage only XXXX request at a time or the time starts over again. Thank you for all your help in advance concerning this important matter. My sincere hope is to be restored after review. XXXX XXXX : XXXX XXXX, XXXX, XXXX, Trans Union and the FCFP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed my personal and financial info in a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for th e Amazon Visa card, via the Amazon website,  bef ore  XX/XX/XXXX . Ch ase was the bank underwriting th e Amazon Visa ca rd. A few weeks later I received a letter from Chase declining the card and the reasons wh y. In   XX/XX/XXXX , I re ceived   3 additional denial letters from Chase cr edit declining the issuance  of the Amazon Visa card. I returned one of the letters to Chase credit,  asking them to stop sending me these letters since I only applied for t he Amazon Visa card only  once and already had received a denial letter. Later on I saw m y  XXXX  repo rt and there had been  XXXX  separate inquiries in  XXXX  by Chase! On  XX/XX/XXXX  I received another letter from  Chase ( se e attached ) declining my '' application '' fo r Amazon Visa ca rd. I only applied once back in latter part of  XX/XX/XXXX ; I keep receiving these letters f rom Chase, and Chase keeps p ulling my report without my authorization! This has to stop. I need to know who authorized these inquiries, by Chase, in my  XXXX  Credit report. There is fraudulent activity going, and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2018 about Debt collection (Other debt) with Perfection Collection (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: When first encountered by XXXX they said I was a cosigner. Now they have put this account on my credit report stating i am the owner of said product and I owe them over XXXX dollars. tried today XX/XX/18 to speak to someone at XXXX and was placed on hold for over an hour. Placed a call to Perfection Collection only a voicemail. All i wanted to know was the date I purchased this item and what location it was mailed to.

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 01/23/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Since XXXX XXXX, 2016 my employer has been trying to make a sum payment on my XXXX student loan. The payment has been rejected three times, regardless of my continued phone calls, faxes, and confirmed loan information. When I have asked to speak to supervisors, I am given the same information, which is to " just keep trying to send it to the address on the website ''.

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 12-05-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: My BP Bisa/ Syncb credit card has been turned down numerous times none of which involved nonpayment or credit history. I called in today XXXX/XXXX/16 and gave them all of my information that they requested and they said they needed to send me an identity code to verify my identity and they needed a cell phone number. My cell was in my car and not with me so I secured it and called back. They sent a code to my cell and when they then said that they could n't verify it even though they had sent it to me. This same thing happened before with Sycrony Bank with my Sam 's club card. This bank ca n't get anything right. Now I have to wait 7-10 days to get a letter with a new code on it and I 'll bet it still wo n't work. I intend to terminate all my credit cards that are administered by Syncrony bank a I can not trust them to do anything right. Last summer I bought a new laptop computer at one of the large electronic stores and charged it on my Sam 's card through Syncrony. That charge went through and I then purchased some software for it in a separate transaction and they refused it. When I finally got through to Syncrony they said that my purchase of the software was an unusual purchase and that 's why they refused the charge. Duh! They let the charge for the computer ( {$1500.00} ) go through but refused the {$35.00} charge! What idiots.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hi XXXX, Just an FYI. They called the office to ask for information to send a garnishment order for your salary. If you want to talk to the agency that called their phone number is XXXX your reference # XXXX. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX-XX/XX/XXXX I tried over and over to refinance my home after being put on permanent XXXX, having XXXX, XXXX XXXX, constantly be hospitalized and my taxes goin up ove 120 % over the past years we were forced to short sale our home. Wells Fargo just kept refusing me over and over forcing a short sale. They constantly asked for the same documentation over and over even after the acknowledged the receive end it. After having XXXX different buyers the house finally sold. The XXXX buyer it took them 9 months to constantly aske for the same paper work and then refuse & the XXXX was approved after about 6 months and I finally sold the home. Wells Fargo has me missing payments, which I did under direction of my lawyer because of the short sale was in contract XXXX with Wells Fargo getting paid in full and to keep up with taxes, maintenance, bills and medical expenses. I feel this should be removed so me and my family can go on with our lives. The hiccup on our credit report is an issue since we are going to be moving out of state for a better ccost of living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I filed bankruptcy years ago, case number  XXXX  and   XXXX   XXXX    XXXX   XXXX  COMPANY AS TRUSTEE FOR THE BENEFIT OF THE CERTIFICATE HOLDERS OF   XXXX   XXXX    XXXX  MORTGAGE PASS THROUGH CERTIFICATES SERIES  XXXX , intervened in the bankruptcy. I was informed that my mortgage and note was transferred into that trust, some years ago, if this is true I would like to know when it was transferred.   XXXX   XXXX    informed me that they have no interest in the property located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Il  XXXX  and I am trying to determine if the Mortgage is in that trust or not because I keep getting contradicting info. I have sent sever al Debt Validation Letters and Qualified  Written Requests, which have gone unanswered. I would like the contact information for the Trustee. I am trying to get clear title

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 01-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between 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 monetary relief
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I Purchased an item from XXXX XXXX, paid with XXXX account, I never received the item. I opened a claim immediately but because I had a credit with XXXX they still charged me for the item. XXXX took a long time with the dispute and closed my account showing that I still owed it. 60 days after the dispute was open they closed my account after repeated calls and speaking with supervisors. 
XXXX finally answer the dispute after I dealt directly with XXXX since XXXX did not move on it, XXXX confirmed with XXXX and after their investigation they determined that I in fact never received the item. XXXX provided me with a letter apologizing for the mistake. XXXX tried to reimburse XXXX but my XXXX account had already been closed by XXXX. On XXXX XXXX sent me to their collections agency, XXXX XXXX XXXX, to whom I also disputed the validity of the debt and provided them with proof of the dispute but they did nothing. XXXX charged me interest over interest and sent me to this collection agency. I did not owe this account. 
Item was {$99.00} I ended up finally paying the collections agency because both accounts affected my credit. Paid over XXXX in charges and penalties for an item that I never received and for the lack of professionalism and protocol that XXXX should of taken. First they never followed up with their procedures on the dispute and then followed up with closing my account. It was through my own efforts that I got things settled directly with the merchant. 
For years this was a battle between XXXX and then the collection agency. It has affected my credit and not to mention put me through the anguish of fighting them with different people who none of them were helpful. 
I request a full reimbursement for all fee 's paid plus money for damages and anguish caused. But most of all I want these XXXX companies deleted of my credit report. 
XXXX / XXXX Account # XXXX & XXXX XXXX XXXX My report does not show that I owe them because I needed to show some what of a positive report but never the less they still show on my report and it has affected me in obtaining loans with higher interest rates and not being able to qualify for a mortgage loan. 

Please humbly review all my letters and the facts and restore reinstitution because no one else should be subject to all of this anguish and pain brought by one company who had til this day not taken any responsibility. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, MN XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This is what is listed on all 3 reports as an inquiry XXXX I have never done any of these inquiries. I have asked that they removed them repeatedly and I am not getting anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name 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 non-monetary relief
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Planet home lending took over my loan from XXXX earlier this year. When calculating my monthly mortgage payment, Planet Home Lending double charged me for my insurance bringing my monthly mortgage payments to somewhere around $ XXXX/Month. I obviously fought this and after three long month was able to convince Planet Home Lending of their mistake and bring my monthly mortgage payment down to $ XXXX/Month. This was XX/XX/XXXX and I have all the communication to proves this including an email from Planet Home Lending stating that " we are in contact with your insurance agent ''. I thought everything was settled as I have been paying $ XXXX/month since XX/XX/XXXX but all of sudden, my XX/XX/XXXX monthly payment jumped to $ XXXX/month. I immediately called Planet Home Lending to find out what had happened for my mortgage payment to go up so drastically and they said that I did not have insurance since XX/XX/XXXX and that they did not know who my insurance company was? This is a total lie since we had gone through this whole charade seven months earlier and I had email proof that they had been in contact with my insurance. Upon digging a little more, I found out that my insurance premium had gone up during the year a total amount of {$210.00} and that Planet Home Lending had not paid the invoice which is why my insurance was cancelled. I must specify that at not time was I contacted by Planet Home Lending or my insurance to advise me of this sudden increase but beyond that, Planet Home Lending obviously knew who my insurance was because 1 ) I have an email from them stating that they are in contact with my insurance agent 2 ) They reduced my intial payment from {$2400.00} down to {$2000.00} 3 ) They made a payment on my insurance but were short of {$210.00}. If they did not know who my insurance was, who did they make the payment to? 4 ) My payments remained at {$2000.00} all year until XX/XX/XXXX. All that being said, I have been fighting with everyone at Planet Home Lending but they refuse to admit their fault and every department passes me on to the next. I find it crazy that if I happened to be a day late on a payment they call me twenty times but when they have to put me on their lender based insurance at double the rate I was paying, nobody calls, emails or even sends a letter. I am at my wits end and hope you will be able to help me with this matter.

Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit reporting () with First Data Corporation (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: First Data is reporting derogatory and inaccurate information on my XXXX Credit Report. This credit item was listed on my Chapter XXXX Bankruptcy filing and discharged dated XX/XX/2013. Please see attached filing.

Company response to consumer: Closed with explanation