milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax After chapter XXXX in 2014 there is XXXX credit card account XXXX CREDIT CARD still listed as open. As a result this is bringing my credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with AMERICAN FINANCIAL NETWORK INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I worked breifly for a mortgage company that made many misrepresentations about their pricing and funding times. I quit the company XXXX/XXXX/XX/XX/2014 and asked when they were going to pay me my final commission. They told me on the following pay period. When the following pay period came, they changed their story to say that I never originated the file. I have a sworn statement from the borrower saying that I was the only one who originated the loan. This mortgage company is committing fraud by saying someone else originated this loan. I have all the email correspondence between the borrower and I during the initial phases and a letter saying I originated the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alleged Debt was not validated nor verified. Consumer requested validation multiple times in writing ( Certified Mail ) and never received a response. Consumer filed complaint with CFPB and they failed to respond to CFPB investigation. Consumer filed second Request to CFPB for assistance and Creditor still fails to respond. This the the third request since XX/XX/2016 where consumer is demanding proof of alleged debt. My credit report shows Creditor as Pinnacle, yet XXXX states they are servicing for Pinnacle. There is no proof of ownership of this alleged debt nor any validation. Multiple FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Wrong amount charged or received

Complaint: I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, 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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Citibank closed credit card without our knowledge yesterday. We found out about it after multiple purchases were declined. Citi will not prov ide any information on the closure of the account over the phone. Tried to cash out on the cash rewards balance and they are saying that I ca n't because we closed the account. We did n't close the account. I would like all cash rewards sent via check to address on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Installment loan) with Colony Brands, Inc. (NC).
Issue: Managing the loan or lease

Complaint: I have written to this company called Swiss Colony and disputed the item on my credit report and requested them to provide documentation bearing my signature associate with the account. They did not do so. I also let them know that the account may be fraudulent as well. I have an fraud alert on my credit files because of this company. I have looked at my credit report dated today ( XX/XX/2017 ) and before that date I did n't see the statement disputed by consumer in the remark area on my credit files. Instead in the remark area : Profit and loss write off. This statement is in the remark area. This company has broken the law called FCRA because they failed to place the statement : " disputed by consumer, '' and I do want the company to delete the entry from my credit files. I have requested this company to provide proof of any documentations bearing my signature with this account. They failed to do so with that being said I want the entry to be deleted immediately.

Company response to consumer: Untimely response
Consumer complaint received 05/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan is held by FedLoan Servicing, a company that constantly sends incorrect Income-Driven Repayment forms, fails to process forms in a timely manner, and costs me hundreds of dollars in interest for their constant mistakes. The present situation started in XXXX ( 2016 ). I needed to re-certify my IDR status. I called and requested a paper application be sent to me. FedLoan Servicing sent me a form it knew had been revised by the Department of Education, and also knew that the form would not be allowed by the Dept. of Ed at the end of XXXX. Also knowing they had a several-week backlog for processing paperwork, they sent it to me anyway. 
The form was denied ( obviously ). However, instead of a denial letter, I received a bill ( attached as documentation ) dated in XXXX, meaning I was denied denied in XXXX, prior to the deadline by the Dept. of Ed. I called on XXXX XXXX ( 2016 ) and spoke with a supervisor named XXXX. He e-mailed me the corrected form and said I would also be reimbursed for the postage because I was forced to pay for Overnight delivery by the Post Office. He said that FedLoan had finished processing the backlog of paperwork, and that my recertification forms should be processed within a week to ten days. Today is XXXX/XXXX/16 and no one seems to know what is going on at FedLoan Servicing. The only application they show processed was the XXXX they denied in XXXX. 
Please help me. I can not get a straight or accurate answer from FedLoan -- whether it 's from their Customer Service Reps or their management staff. No one seems to know what 's going on. And I am not sure if they 'll even follow through on my request today ( XX/XX/2016 ) to have my account and case reviewed by a Loan Specialist. ( Then again, I ca n't even get a clear answer as to what that is. ) As of today 's date, supervisors at FedLoan Servicing are still not taking this issue seriously enough to do more than an ( eventual ) response through the mail. I had to browbeat at supervisor ( after explaining again that their mistakes could cost my Social Security XXXX and cause me to become homeless -- as I did in XXXX ) to call me back with a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Mortgage (Conventional fixed mortgage) with Northwest Trustee Services, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: It is too long of a story. Suffice to say that XXXX bank took 7 months processing our modification request for an non-owner mortgage modification then denied us in XXXX XXXX because the house was not owner-occupied though we applied under the rules for a non-owner occupied. 

We reapplied using XXXX XXXX ... cost of {$2500.00} after spending {$400.00} from a lawyer whor recommended their free service..from XXXX Washington in XXXX XXXX, who submitted a XXXX plus page modification package XXXX/XXXX/XXXX. But XXXX did not tell Northwest Trustee Services to postpone the sale that was scheduled in XXXX for Friday, XXXX XXXX. Nor did XXXX inform NWTS that they had received a modification package. XXXX then received update document XXXX/XXXX/XXXX. Yet instead of informing NWTS to postpone the sale, they transferred the loan to XXXX in late XXXX. XXXX nor XXXX sent us a letter 30 days in advance of this transfer as required. Now XXXX will not inform NWTS of the modification papers. And NWTS knows of the modification papers because they have responded to parkview services acknowledging the prior XXXX file XXXX and now the new file under XXXX XXXX. But they have not postpone the sale date, as required by law. 

Unless something occurs according to what NWTS and XXXX must do according to law, I will need to to file under bankruptcy protection laws to protect my asset. {$2000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I noticed a charge on my account on XX/XX/2018 from XXXX   XXXX XXXX XXXX of {$24.00}. The phone number they listed with this charge is XXXX. 
I called my bank to dispute the charges and they told me that I have been charged this amount from this company every month for as far back as a year maybe more. I have never signed up with or given any reason for Experian to charge me. I tried to call the number on the charge and it immediately asked me for my ssn. I felt uncomfortable right off the bat because I did some research on this number and Experian and had come across other people complaining about fraudulent charges mad by a company claiming to be Experian. When they called, they were prompted to give their credit card info and/or ssn. After relaying their information, they were hung on and more charges were made. 
I laughed and hung up the phone. My bank is currently disputing the charges.

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 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Please see attached Word document for all complaints against SunTrust Mortgage Co . 
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 monetary relief
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 09/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: we had a mortgage with Homecomings Financial back in XXXX and in XXXX we became delinquent on the Mortgage. First delinquency was XXXX XXXX. By XXXX we received threatening letters and by XXXX XXXX we got a Letter of Default from Homecomings. Throughout XXXX we were delinquent but because we were frightened by worked hard to pay what we could. In XXXX XXXX Homecomings Financial transferred to GMAC. GMAC took a final payment from us and applied it XXXX XXXX XXXX then reset the clock for our first delinquency as XXXX XXXX XXXX. After that they started foreclosure proceedings even though we were attempting loan modification and short sale. By XXXX XXXX they foreclosed. Ever since they have counted seven years from XXXX XXXX as if that is our first delinquency but it is NOT. We are now actually almost eight years past first delinquency which was XXXX XXXX. But GMAC went bankrupt in XXXX. The credit agencies will not respond to our multiple disputes ( more than XXXX ) and GMAC is not reachable. We can not buy a house or borrow money. The foreclosure remains on record and the credit reporting agencies continue to reject our requests to delete the account from our record now that seven years has past. Now they are saying it will go off record seven years after the last activity which is the last time GMAC forced money out of us. That can not possibly be legal. We need help. There is no way foreclosure can stay on your record for ten years just because GMAC is bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Transaction issue

Complaint: I purchased a total of XXXX items from kohl.com. I then received a package with XXXX items in the box for which I did not order. I called kohl and was told to return the wrong items in store and i will receive a full credit for the correct items and a refund of the shipping charges. I go inside the kohl location in XXXX MD, speak to the manager XXXX who confirms I indeed returned XXXX items that was placed in the box to a kohl.com agent and I was then advised I would get a full refund in about 7 days. Now, i received a second bag with a book i ordered XXXX and i do n't expect to get that back. Im told that all calls are monitored and recorded and nearly everyone i spoke to seemed to advise me i returned XXXX items not XXXX. I called in with the manager, XXXX, from the kohl store I was given a reference number of XXXX that should have stated i returned all XXXXitems that were shipped. I only received part of my full credit. Ive been getting the run around, no one seems to be able to help. I just want my full refund as I returned all the items i received.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (OH).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX Me and my husband signed an extension agreement for {$1900.00} which included the monthly payment and any late fees. Once that amount was approved my account was supposed to be caught up. The 1 month payment and all of the late fees were to be moved to the end of the loan. I called to verify that the extension was approved and I did see where they did move the payment to the end of the loan but not the fees they moved {$1300.00} to the end of the loan and made the account current and due for XX/XX/XXXX. I have a copy of the fax I will attach it. My mortgage has now been transferred to another servicer and the late fees are still on the loan. Can you see that they do indeed remove the late fees per our agreement on XX/XX/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 12-10-2017 about Credit card or prepaid card (Payroll card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XXXX XXXX, XXXX, my card did not work and I called to find out why. I learned that my account had been flagged for fraud. After work that day, I called again and kept a representative on the line while I XXXX out my account. Account was XXXX out at XXXX XXXX. I was told my account was closed and my card could no longer be used. I was told not to use my card and that I would be getting a new card in the mail. I did not use the card from that point forward ; however, my employer did send my XXXX XXXX pay to the account. 

Since I was told the account/card was closed and could n't be used, I do not understand how someone was able to fraudulently charge/debit {$520.00} to the account ; nor, do I understand how the card was swiped when it has never left my possession. 

As I have discussed with Bank of America in numerous telephone calls from XXXX XXXX XXXX XXXX, XXXX ( see communication log below ), I am disputing the following fraudulent charges/debits on my account. 
XXXX XXXX, XXXX {$160.00} XXXX ( XXXX, PA ) XXXX XXXX, XXXX {$200.00} XXXX XXXX XXXX XXXX, PA ) XXXX XXXX, XXXX {$150.00} XXXX ( XXXX XXXX, PA ) Not sure of the time of transaction but I was at work, in XXXX, PA, from XXXX XXXX to XXXX XXXX this day. 

I can honestly say that I do n't believe I have ever even stepped foot in either the XXXX XXXX or the XXXX XXXX XXXX. Furthermore, I had my young sons the weekend of XXXX XXXX. If I go shopping when I have them, it is only for necessities, mainly food, for while they are at my house. I certainly would n't have such a large order, nor would I be traveling to approximately an hour to XXXX XXXX to shop. 

I have been disputing these charges for nearly two months and do n't seem to be any closer to a resolution. Since they now claim they have another 45 days to make a ruling regarding the dispute, I would appreciate any assistance the CFPB could provide.

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 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: This seemed too petty to complain about at first, but then I realized they are doing this to thousands of people, I have a XXXX XXXX Chase credit card. With this credit card, I am promised XXXX free passes to XXXX XXXX XXXX. Then, I find this cheap airline ticket to XXXX through XXXX. I have the XXXX XXXX terminal, it 's overcrowded and you end up paying {$3.00} for a brown banana. But that does n't matter, because, hey I 've got this pass for the XXXX XXXX. 

Except I do n't. I find out when I get there .. I 've seen no other notice ... that pass members are not allowed to access the club. I am not allowed access and not offered compensation. Now, this is understandable, as there is verbiage about " availability '' in the pass notes. But here 's what infuriates me : the reason was because of renovations. They closed all the Clubs to one-time passes in all XXXX of their XXXX hub clubs for a cause under their control. They **planned** a shortage of capacity -- the weather was fine and travel conditions normal -- and solved their problems at the expense of low-priority customers. Customers who had no realistic way to know they did this. This is an ongoing condition. Customers lured into flying through XXXX under these conditions should receive compensation. It 's worth noting that I checked and it was an option to pay {$59.00} for club access in XXXX online. If it was so crowded, why was that allowed?

Company response to consumer: Closed with non-monetary relief