milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NJ).
Issue: Unexpected or other fees

Complaint: On  XXXX / XXXX /   2017  I initiated a transfer of {$500.00} from  my Wells Fargo ac count using the SurePay system to my cousin who uses   XXXX    XXXX   XXXX . It generated a reference number #  XXXX  and my cousin also got a text message on her phone indicating that the funds were received. However, when she checked her account, the funds were not there. She immediately called  XXXX   XXXX   XXXX  to inquire, but they told her I 'd have to submit a claim through my bank because they saw no record of the funds.     Since then, I have submitted two claims wit h Wells Fargo (  Claim #  XXXX  &  XXXX   ).   Wells Fargo has closed both claims, stating that the funds were posted to an account but can not rele ase any additional information. My cousin has tried to inquire with   XXXX    XXXX   XXXX  but they refuse to provide any in  formation either.
Wells Fargo h  as told me that it 's possible  I may have  entered the incorrect phone number when I initiated the transfer. However, she got a text message indicating the transfer took place.     After opening up a claim by phone, which got rejected, I decided to send a complaint to  Wells Fargo through my online banking but this was the response I got : " ... The claim is closed beca use the transfer was sent as requested. '' The response we 're getting from both banks suggests I 'll have to absorb a loss of {$500.00} and no one can help me. I 'm very disappointed in my bank for not even attempting to help me recoup the funds.

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 11/22/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.

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 02-09-2018 about Debt collection (Medical debt) with EQUIFAX, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Non-federal student loan) with RAB PERFORMANCE RECOVERIES, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I signed up for a public offer for an American Express Platinum card on XXXX/XXXX/2016. The terms of that agreement I signed up for stated that if I spent {$3000.00} within 3 months, I would be awarded XXXX Membership Reward Points. I satisfied the terms of this agreement and was awarded the XXXX points as of XXXX/XXXX/2016. 

However, as of XXXX/XXXX/2016 I am unable to freely transfer these available points to a frequent flyer program in order to book an upcoming flight. AMEX has deliberately frozen my account and is in violation of the agreement that allows me to redeem my available points at will, so long as my account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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 pulled up my credit report from all three credit bureaus, XXXX, Equifax and XXXX, and noticed there was a listing of Chapter 7 Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the U.S. Bankruptcy Court. 

I wrote a letter to the XXXX Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX to XX/XX/XXXX to XXXX, Equifax and XXXX on the bankruptcy and they all responded back by saying the information was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These XXXX companies have been calling my home phone number constantly trying to collect debt for other people. Usually its a member of our family but now they 've started calling trying to collect debt from the person we recently bought our house from. She NEVER had this phone number. 

XXXX XXXX XXXX XXXX XXXX Receivables Perf XXXX XXXX XXXX Neither myself or my husband have any debt collection issues. These people harass us constantly for debt that does not belong to 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 explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The company Equifax said that that my bankruptcy was verified through XXXX and I have a security freeze on there they stated that they got the information from a third party company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We are the owners of XXXX XXXX XXXX XXXX , XXXX, CO XXXX. SPS is the current servicer of the loan being foreclosed. 

A foreclosure sale date is currently scheduled for XXXX XXXX, 2015. A short sale offer at a purchase price of XXXX was submitted to SPS last week. See the attached Contract and Short Sale Addendum. SPS also has the attached estimated HUD. 

SPS approved a short sale on substantially similar terms earlier this summer - see attached. Although the purchase price of that contract was {$XXXX}, the current pending offer represents the full BPO value that SPS received for the property. 

Yesterday, our short sale coordinator informed us that he was told by SPS " that there 's no way to postpone that foreclosure sale date because the offer is not under review in the investor wants to foreclose. " That is unacceptable. SPS has a cash offer in hand that meets its BPO value. We have approval in hand from the XXXX lender ( XXXX ) to accept the terms proposed on the HUD, which were previously approved by SPS. All we need to close is approval from SPS. 

If SPS takes this to foreclosure, they are choosing to foreclose on us instead of accepting a cash offer that meets the BPO valuation, and is in hand well before the sale date, which would deprive us of our ability to mitigate our losses by avoiding foreclosure. 

We need SPS to : ( 1 ) review the file they 're sitting on, ( 2 ) issue an approval, and ( 3 ) give us an ample amount of time to close. Both the Buyer and Sellers are ready, willing and able to close, except for the SPS approval. 

- XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: My merchant services WAS BANK OF AMERICA, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think BOA thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with boa to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Credit card () with JH Portfolio Debt Equities, LLC (GA).
Issue: Other

Complaint: I 've requested debt Validtionfrom JH Portfolio Equity and they provided me with a letterhead and XXXX page billing statement. Actually it was the wrong address for XXXX XXXX I 've been a XXXX resident all my life. I demand that the validation be is n't he form of a notarized statement by a person with original knowledge for he debt as it was constituted and who can testify that the debts as incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer product, was utilized as a profit-loss tax deduction during the period it may have been payable. I 'm not requesting that you have my mailing address : rather I am requesting validation, i.e., competent evidence that I had some contractual obligation minus consumer protection encumbrance which incurred the original claims associated with this tradeline. Also attach a copying any agreement that bears the signature of the alleged debtor which gave rise to the original agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to place a complaint against CHASE bank. Our house has been in default since XX/XX/XXXX. We initially owed only {$5000.00} and the bank started to refuse taking our payments each mortgage payment which were sent were returned. We have tried since that time to work out a loan modification with Chase Bank who is our loan provider and we are now in XX/XX/XXXX we have been battling for the past 7 years with the bank for a loan modification and have spent money on various types of agencies and have gone to also various non paying agencies as well in trying to come up with a loan modification solution. We still yet are waiting for a positive response toward a modification offer by the bank. Each agencies that have tried to help us after a year have given up and we are here still fighting. Each year there is a crisis that erupts in the family when the bank establishes a sale date for foreclosure and we go round and round trying to get it postponed and start again the same process all over again. Our family XXXX suffers from chronic XXXX XXXX XXXX, I ca n't even explain the impact of this situation on our family. We do n't know what to do, we have gone even at one point tried to declare bankruptcy to avoid loosing the house. We see others that have faced the same type of issues like us and have gone ahead toward a modification with their bank and us for whatsoever the reasons we still have not yet obtain an answer from the bank after all these years. All my mother 's savings all her life 's work have gone into purchasing this home. She is now retired and should be at peace but it is not possible because of this situation. Her work situation of course is not the same since she has now retired but she has support from us her daughters and renters in the house she is able to pay if the bank would finally come up with a modification for us. We need help because we do not know where to turn at this point of time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian is delaying my request for an investigation by means of multiple requests for identification ( # XXXX ) that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see ACCOUNTS XXXX ***XXXX XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX****XXXXXX/XX/XXXX{$260.00} ****XXXX  XX/XX/XXXX {$57000.00} ****XXXXXX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX ****XXXX  XX/XX/XXXX{$54.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$130.00}

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 10/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Good afternoon, this will be my XXXX complaint against one of the most dishonest and untrustworthy companies I have ever dealt with, NAVIENT. I am a XXXX United States XXXX and a single father of XXXX children. Due to my divorce I filed for chapter XXXX bankruptcy on XXXX XXXX XXXX and was XXXX in XXXX of XXXX. I forebeared/deferred all of my federal student loans with no issues including the federal student loans serviced by Navient. The issue I am having is that in XXXX of XXXX I received a letter from Navients collections department stating that the Private student loan that I have through them is currently in default. I was completely unaware that I even had a private loan from them, when I enrolled at XXXX XXXX XXXX in XXXX I requested only federal loans and not to involve me in any kind of private student loan. The original balance was XXXX dollars give or take and is now over XXXX dollars. They never offered me any kind of help or rate reduction while on XXXX XXXX as my federal loans have. I am completely fed up with dealing with this company, on XXXX XXXX XXXX I submitted a complaint and it was referred to XXXX of their so called customer advocates I did not receive any kind of response to the complaint until XXXX XXXX XXXX. They responded only after I was forced to agree to their payment terms to avoid them garnishing my wages. I am dissatisfied with their customer service I was spoken to by their representatives rudely and disrespectfully as if I were a XXXX XXXX XXXX, I wouldnt talk to my dog the way they spoke to me. I never received any kind of correspondence or any kind of notification that my loan was in default until I received the default letter from their XXXX department. I have been making payments for XXXX months now and they refuse to reflect those payments on my credit report. I have lost XXXX home loans because of this dishonest behavior by them. If I had known ahead of time that the loan was behind I would have dealt with it before it got to this point. I also would like to know how I can be held responsible for a loan of which the promissory note does not have my signature on it. I requested a copy of the promissory note that has my signature on it and what I received was a promissory note with my name written in regular hand writing not my signature. I do have examples of my signature from that time period. CBFP I would like to know if there is anything you can do to help me out or if I am going to have to refer this issue to an attorney? How is their behavior legal? I will also be submitting this complaint to the XXXX XXXX, the better business bureau and anyone else that can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 have disputed identity theft with all three bureaus, and Equifax is the only one that refuses to remove 2 identical inquiries done on the same day from XXXX XXXX XXXX XXXX, and two from XXXX XXXX XXXX, after I have submitted disputes 16 times and called 5 times asking them why they are not helping me. I was treated rudely by their staff and given the runaround. I have disputed the inquiries with the businesses and was assured in writing that they contacted all three bureaus. I saw that XXXX XXXX and XXXX   have removed the fraud inquiries, and the two cards that were fraud when my identity was stolen. As far as Equifax, I last emailed them advising I would sue and again provided the police report number and an email from XXXX XXXX XXXX XXXX   stating they contacted Equifax. Still after three months Equifax still refuses to assist me. Ever since their data breach, the fraud activity started with me and ruined my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/XXXX I gave permission for Capital One Auto Finance to run my credit. I recently obtained my yearly credit report and i noticed that they ran my credit again on XXXX/XXXX/XXXX resulting in a hard inquiry on my credit report on all the major credit bureau XXXX, XXXX and XXXX resulting a drop of my score. I have no idea why they ran my credit again. I contacted them to ask why did they run my credit and that i never gave them permission and to please remove it. They stated that I need to take my name off a general pre-approval list. I have no idea what pre-approved list they are speaking about.

Company response to consumer: Closed with explanation