milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo routinely failed to apply my mortgage payment and can not tell me where the money was applied. I continued to pay on time and was never late. They then manufactured a default. After the foreclosure was dismissed several times, they sold the servicing to another firm ( potentially related to Wells ) and I could not get any answers. I continued to pay my mortgage through 7 years of foreclosure filings and refilling and they never told me where the money went. 

I am XXXX now, and was over XXXX at the time. I was forced to sell the house my husband built for our family over 40 years ago as they would/could not resolve and no other lender would lend to me because of the foreclosure. 

Sometimes, Wells Fargo employees would come to my home and harass me. XXXX. I cry when I see the Wells Fargo branches now. I never received my money back and had to pay astronomical fees on the mortgage when I sold.

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 10/13/2015 about Mortgage (Other mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX 2015 I applied for mortgage refinancing to Citizens Bank. I sent all information and I disclosed everything in writing. During this time I got a better offer from another mortgage company, but I was told by the loan officer XXXX XXXX their policy is to match all offers, to get the business. The process was very slow, and we provided all the required information with no delay. Loan officer assured us that we are all set with the application and we need to pay the appraisal fee in the amount of {$470.00}. The appraisal report came after one week, but with wrong information ( only half of the house was appraised XXXX sq.ft instead of XXXX sq.ft ). Right away we contacted XXXX XXXX, our loan officer, and again we were assured to keep going with the process and correct this after we will obtain the refinancing ( in his opinion to correct the appraisal report will slow down the approval process ) .After couple weeks, the application was denied and my fee of {$470.00} never returned to me. We were trying to contact XXXX XXXX by phone or email and he never responded to us. In this situation we manage to reach up to the manager of that department - XXXX XXXX. He understood our situation and he assured verbally and by email that we are entitled to get our many back ( see attachment ). Couple times we were told that we neglect to check our credit card, because the money are returned already. Also we had a XXXX way call with XXXX, us, and our credit card company representative. After 4 months XXXX XXXX, XXXX, XXXX, XXXX ) of communication with XXXX XXXX we did not get our money back and now, like the loan officer he stopped to respond to our emails or phone calls. 
At this point we feel like we need help from your bureau to get our many back. 
Regards, XXXX XXXX XXXX home

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (AL).
Issue: Account opening, closing, or management

Complaint: I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Money was not available when promised

Complaint: I used Western Union direct bank for International money transfer for sending money XXXX. 
The money was transaction was done on XXXX XXXX, 2015 and they promised that money would be available on receivers account on XXXX XXXX. when I checked the receivers account on XXXX XXXX the money was not deposited. Then I call immediately to the Western Union XXXX Bank money transaction department. they said that the receivers bank was rejecting the transfer and money would be refunded to my account within XXXX business days. I was waiting for patiently those days and still money was not credited to my account. Every time when I call the representatives, they were saying that they were escalating the issues and problem would be solved within XXXX to XXXX hrs.But the problem would not solved, no one would be contacted and no follow up, waste of time, and money was not credited to my account. 
When I was using the XXXX or XXXX for international money transfer, money was deposited to receivers account on proper time with no issues. Even I discussed with receivers Bank Managers why money was rejecting when western union sending, they said that they are not rejecting it was western union problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
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: Back in XX/XX/XXXX I sent a dispute letter to XXXX and Experian asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you XXXX my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.

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 04-03-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Equifax has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX/XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX, and also list the date of the delinquency as XX/XX/XXXX, which is over a full year after the first 30 day late of XX/XX/XXXX, and after the default dates of XX/XX/XXXX and XX/XX/XXXX. I disputed these repeatedly over the last year and a half. Equifax has refused to investigate this with due diligence, otherwise they would have discovered these errors. Equifax also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Savings account) with BBVA COMPASS FINANCIAL CORPORATION (NJ).
Issue: Account opening, closing, or management

Complaint: I transferred $ XXXX into a online bank called BBVA Compass, because they promised me a rate of 1.10 %, after three months they knocked down my interest rate to .4 %, which I feel like was a scam to get my money into their account. So I called to transfer my money out and close my account. They told me I can not wire that much out of my account at one shot, the most I can transfer out is $ XXXX at a time and they charge a fee each time. They said I can go to a branch to get a bank check but they have no branches in NJ. They had no problem accepting my $ XXXX in one shot but now have a problem with me transferring it out. This bank sounds like a scam and I am very scared, Please help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2016 about Payday loan () with NETSPEND CORPORATION (TX).
Issue: Received a loan I didn't apply for

Complaint: I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am a Co-signer on my granddaughters loan, I am XXXX yrs old, fixed income, & I have paid on this for over 4 yrs., they have raised my monthly payment for no reason over the years, when I have n't missed a payment. They Will Not help me as I have tried many times to talk to them!! Now, I am being threatened by XXXX cause I havent made a payment since XXXX XXXX! I do n't know what to do, they are a terrible company! Ca n't somehow this loan be written off? Its XXXX to pay off. Im very upset, at my age, this is very unfair. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: My name is   XXXX   XXXX  . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623 f cra*.   XXXX    and Equifax will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies ( which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX   which shows  XXXX  120 day late payments ( missed payment violation ) sec t 623 fcra states an account cant be listed more than 90 days past due which it shows 120  on both sites.  XXXX  collection account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).   XXXX   XXXX   bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: AFTER SUBMITTING WRITTEN PROOF OF ORIGINAL SALES CONTRACT AND BANK STATEMENTS PROVING HOW MUCH WAS PAID TO XXXX, EXPERIAN CREDIT BUREAU REFUSES TO UPDATE MY REPORT AND REFLECT TRUE AND ACCURATE INFORMATION. THEY ARE STILL REPORTING FALSE AND INACCURATE INFORMATION.THIS IS MY THIRD COMPLAINT TO YOUR OFFICE FOR ASSISTANCE, PLEASE HELP. I HAVE PROOF OF MONTHLY PAYMENTS OF {$170.00} AND XXXX IS REPORTING {$120.00}. MY HIGH CREDIT LIMIT WAS ONLY {$3000.00} XXXX 'S IS REPORTING {$3900.00}

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 04/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I went to Wells Fargo bank in person in XXXX nj to close my account. I signed card at bank and withdrew money I had left in account. I was told account was closed and at XXXX balance. In no way did i authorize any transactions after the account was closed yet transactions continue to be put through. I have contacted all merchants as well as the bank and filed a dispute for each attempted transaction. Wells Fargo is the worst bank I have ever dealt with.

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 02/14/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MI).
Issue: Taking out the loan or lease

Complaint: I visited a Costco at the location in XXXX XXXX, Michigan at or around XXXX on Friday, XXXX XXXX. The employee working the credit card station near the entrance made material misrepresentations to me when I applied for the Costco Anywhere Visa Card by Citi. The false statements are as follows : 1. Handing me the terms and conditions of credit card after being told that " I was only applying for a card. '' 2. She handed me terms and conditions for a business credit card, which is a different credit card with different terms and conditions. 

3. I was verbally told that the seven-month, interest-free grace-period would not begin until I used the card. ( Actually, the grace period began to run as of the day I applied. ) 4. I was not informed that my Costco membership would be automatically charged to the card. 

5. I was not given any terms and conditions until after I " applied. '' After reading the terms and conditions, I decided that I did not accept them. We should not have a contract. I do not believe there is one. Still, my credit report will show negative scoring because you issued a credit card in my name without my permission or assent. 

I feel lied to and betrayed. If possible, please remove any discrepancy from my credit report. How will you attempt to rectify this problem?

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, DISCOVER now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not DISCOVER. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (KY).
Issue: Fraud or scam

Complaint: Was told I must purchase a XXXX pack to open a safe account on line to put my money in before I could access my money my prepaid XXXX card. After loading my money onto my safe account, XXXX, I went through circle after circle of technical difficulties and I couldnt access my money. After a month of trying to reconcile this problem, I finally requested a refund of my money, they said it would take XXXX business days to receive it. After XXXX days came and gone still no money, called cooperate office spoke with XXXX at Blackhawk Network, she said some how refund was canceled she apologized and had no clue who did it, then assured me I would have my refund in XXXX business days. XXXX business days came and went, still nothing called XXXX back again some one had some how canceled my refund yet again, they apologized but will try and start refund process again which still will take another XXXX business days, Im not holding my breath!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted XXXX and received a response from XXXX XXXX XXXX which I assumed is XXXX parent company.They could not or would not give me information on the reason they ask to see my credit report. I never heard of XXXX. XXXX XXXX XXXX advised me to have the credit reporting agency ( EXPERIAN ) investagate this but they should have know why they inquiried my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Medical) with Receivable Solutions Specialist, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection of medical services I never received or agreed to or otherwise. I have called the agency reported on my credit file multiple times in good faith offering my telephone number and requesting they return my call in order to clear up the issue not a single call has ever been returned. 

Fileing disputes with the credit agencies has not gotten very far the collections have been removed from XXXX but not from XXXX.

Company response to consumer: Closed
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with Hauge Associates, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was turned to a collection agency years ago! I paid this in 2013? Why is it On here?

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kirkland Asset Management LLC (KS).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Left me multiple vocie message advising that they were serving legal court papers on friday between XXXX for a judgment against me. I could contact XXXX and left a refrence ID most of the time they called private but happened to call with XXXX XXXX of the times.

Company response to consumer: Closed with explanation