milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2016 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Account opening, closing, or management

Complaint: I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. 

I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. 

When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. 

I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. 

I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. 

Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. 

This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. 

I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. 








followed me to every bank I opened. I have contacted all the federal agency 's

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company ran my credit report with out authorization on XXXX XXXX and XXXX XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I reviewed my annual credit report with Equifax and i noticed that an old closed account in XXXX from XXXX XXXX bank still showing in my report. I 've contacted Equifax twice to get this account removed from my report since it has been well past 7 years. Others credit agencies like XXXX and XXXX have remvoed this account, but Equifax is refusing to do so. The keep claiming that " its reported correctly '' or " that it belongs to me '', i 'm not saying it did n't belong to me nor that its incorrect, what i 'm stating that it should be off my credit report at this point. I 've called them to ask if i was filling out the dispute correctly and made the additional comments and a XXXX of their representative said that i was. Their website does n't give you an option that says " remove account '' then state why ; their options are very vague and i do n't think it fits this purpose of taking off closed over 7 years accounts. Moreover, Equifax is claiming that the old credit grantor " XXXX XXXX bank XXXX '' has reported to them this information. However, when i called XXXX XXXX bank directly to XXXX numbers provided on my dispute, No one on XXXX XXXX was able to find out anything about this account - as if almost disappear from their records. I have to write to XXXX XXXX to get an investigation going because it 's such an old account opened in XXXX and closed in XXXX ; that makes me wonder where is Equifax getting their information from???? It seems very suspect to me, that my account is being reported to Equifax but when i call the credit grantor they ca n't find anything on MY account! 

Please help me investigate this issue and I 'll contact XXXX XXXX in writing as well. FYI all these phone calls are recorded and i can even tell you when i 've called XXXX XXXX and Equifax. 

Let me know what else would you need from me. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Federal student loan) with Delta Management Associates, Inc. (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (GA).
Issue: Deposits and withdrawals

Complaint: RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and is now yet the bureaus have n't fix that and other debts I already paid for and I have the XXXX they sent me and neither they have remove from my credit report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.

Company response to consumer: Closed
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005, it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it, nor can he sue me for it. He said he was from a legal firm and would see me in court and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to secure a loan modification with Bank of America for over 2 years now. I have experience poor service from Bank of America. I have written a number of times regarding the rough treatment I have received in letters which Bank of America has dated XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX. I was told by XXXX XXXX XXXX yesterday that she would call me back today between XXXX and XXXX. After holding on the line with XXXX XXXX XXXX from XXXX until XXXX I was finally connected with XXXX XXXX. It seems that we had a miscommunication on when we would meet by telephone. My conversation with XXXX XXXX, I indicated that my home is over {$120000.00} underwater due to maintenance issues in my kitchen, bathroom and foundation. I asked that some or all of my principal balance be forgiven and XXXX XXXX said that while B of A owns the loan as investor, principal forgiveness was impossible. I have appealed to bank of America in good faith because I believe it would be fair for them to give me some relief from my principal balance. If relief was not given to B of A in XXXX and XXXX, the Bank would no longer be here. I have been told by XXXX XXXX XXXX XXXX office that B of A does principal forgiveness. This process has been very stressful with hours and hours of phone wait times and representatives who passed me from XXXX person to another over and over.

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 05-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: Mortgage company has filed a trustee sale against my property while a lawsuit against them is filed. For the past 2 years I have tried to reach an agreement and resolve our differences with this company, and one option was to modify the loan, and for about a year their employees kept losing the paperwork that was being submitted to them, I kept re-sending them the same papers 2 or 3 times and still they would deny the modification stating that I did n't submit all the requested documents. I got fed up hired a law firm, they filed a lawsuit against them, because this company uses Robo-Signers, this means they used a random name as the person who signed the assignment of the deed, the signer does n't even work for the company, but on the document that person is appearing as the vice president of the bank. They use forged signatures to foreclose on homes. During the lawsuit process, the staff from the law firm were finally able to reach the bank, and receive a modification to which bank was not willing to disclose the terms. They stated that I must pass a trial period, which means I have to make 3 payments for the amount they stated, after that they will provide the terms of the modification. I did make those trial payments, and after they sent me terms that were completely unacceptable. I made several attempts to reach them, in order to discuss the terms, prior to signing or agreeing to anything, I was not able to reach anyone. I left 4 messages within 15 days, and did not receive any call backs. I did however receive 3 calls from the bank, when I picked up it was a machine stating that I need to call the bank regarding default payments. I would call them right back, and again be transferred to a machine where again I had to leave a message, and no calls were returned. I even sent email to have someone call me back, even my attorney tried to get hold of someone and failed. Now a court date has been scheduled for XXXX XXXX, and bank decided to set up a trustee sale 3 days prior to the court date, for XXXX XXXX, while a lawsuit is still pending. I need to stop the trustee sale until the lawsuit is over. Bank is trying to foreclose on my house without any proper documentation, actually even worse, with forged documentation. I need this to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen sent an escrow analysis stating we needed to pay {$410.00} for a shortage ( even though by their own paperwork we had a {$0.00} shortage on our mortgage this past year ) I mailed the check, it was received and documented by the post office, cashed with in the time limit set by the company, even so our mortgage payment was increased to the level as if we did n't pap the shortage. When I called to find out why it was increased - I was told I needed to call again after the payment was made to request a new escrow analysis. Why? you did XXXX told me I was short and I paid it. I want the overpayment refunded to me and the monthly amount corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I was pre-approved by Third Federal Savings and Loan Association of Cleveland for a house purchase that ended up not working out due to circumstances outside of the loan process. 

After some more house hunting, I went to re-apply for a pre-approval from Third Federal Savings and Loan Association of Cleveland on approximately XX/XX/XXXX 

A letter of Denial was sent out on XX/XX/XXXX saying my credit was inadequate. I was confused on some of the wording of my credit score. I spoke to a representative at Third Federal and was told " Not to worry about it '' and that she saw " A different number '' on her report. According to her, this letter was sent out by mistake. 

Approximately two weeks later, on XX/XX/XXXX, I began to become concerned because of the lack of communication after the last conversation. I called the representative back and was told by one of her colleagues that the denial was actually valid. The representative I spoke to originally was out that day. 

I called back the next day in the morning on XX/XX/XXXX and spoke with the original representative. She stated that the denial was valid, but had me forward a direct pull I received from XXXX XXXX and she would " Talk to her manager and see what she could do ''. 

I called back once more in the afternoon ofXX/XX/XXXX and asked to speak with the original representative. She was at lunch, so I asked to speak with her manager. After some clarification on the verbage of the denial letter, I was again told the denial was valid and final. I asked why I was told two weeks ago " not to worry '' by the representative while during that time I could be pursuing a loan from a different entity and an answer could not be given.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously learned of this debt after obtaining my credit report. I have had medical assistance for the last 10 years or so. I also have never visited  XXXX   XXXX  which is listed as the orginal creditor regarding this debt. I sent this company a letter asking them to provide me with the documenation they have that makes them believe this debt belongs to me. Th e 1st letter was ignored so I was advised to sent a 2nd letter certified ( please see attachment ) that letter un fortunately was ignored as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest 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 monetary relief
Consumer complaint received 06/26/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Forbearance / Workout plans

Complaint: Chase agreed to settle the balance which I paid on my account was current on XXXX 2015 they report charge off instead paid in settlement. 
law states account must be 180 days before charge off. On XXXX XXXX,2015 chase sent to collection agency XXXX XXXX Ref. XXXX to collect the debit but collecting agency closed the case on XXXX/XXXX/15 send back to chase they stated this account unlawfully charge off. Chase want it damage my good credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I spoke with 2 people today XXXX XXXX between XXXX and XXXX I was not receiving my low Balance alerts and due to this I incurred XXXX in overdraft fees at some point the system should just stop the transactions from going through. I understand the point of the overdraft program and having alerts when they work. All I got was parroting that there system shows the alerts went out and there is nothing that they could do otherwise. This was unethical and unfair. I wanted the fees reversed and they said they ca n't do it even as a bank error.

Company response to consumer: Closed with monetary relief