milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have had at least XXXX occasions where i was working with wellsfargo and they waste time going back and forth and after i get all documents to them as they requested they would then turn around and say that we didnt get the documents, Can you send them again to then turn around and say we are sorry but we can not help you. 
First instance was trying to get a mortgage modification in XXXX it took 6 months after going back and forth and resending documents that they request and being told that we can help you, to send in a trial payment for 3 consecutive months and then we can decide later. Which never happen, at all times they would have an escuse as to why they cant help me or work with me to save my home. I have went as far as hiring XXXX different legal firms to help me modify my mortgage, however, they were just as bad. XXXX of them i never got my money back after they promised me that they can get my mortgage rate and payment reduced. After so many attempts to get some help from them and them constantly changing the account specialist. I strongly believe Wellsfargo is not interested in helping its customers save their home because if they are, it definately doesnt seem that way as they make the process too complex, no XXXX representative is accountable and they wait until the time runs out when you need to have an answer always with the same response we didnt receive all the documents as requested and after further review we are not able to help, so un fair, i have had it. My most recent experience after several attempts to get my mortgage modify is trying to get a short sale approval. My agent worked diligently with the correspondent and after i send in the information and she did as well to them and with such a surprise close to the sheriff sale date. I surprising receive a letter not a phone call or email prior to but a generalize letter that says we have not received all documentation up to this date and we regret to inform you that we will not be able to proceed on your request for a short sale. I dont understand as we sent everything in to them and when my agent call their contact person 's response was you were to fax or mail all the documents, not email. Which blows my mind as they have been communicating via email for all request and didnt request that it all be fax. They received it via email weeks in advance and why didnt they call or email back and say pls fax as well?. They are so discouraging to deal with as i was already having a hardship and sincerely needed the help to reduce my payments and they didnt help. Now im trying to save my credit to do a short sale and they also dont show any sincere assistant to help make the process go thru. Just sending out letters is not the best way to communicate or the most effective when its a time sensitive or urgent need.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX ... Fraudulent Charge on account in my name from several years ago at a rental property I own. Equifax has continuously rejected my request to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed this account with Equifax before, I do n't understand when you point out clear evidence of the account being wrong they still what to report it. And tell you they need to do a 30 - 45 days for and account that is clearly wrong. Has not clear payment history and reporting Delinquency twice on the same account with two different days. The correct date is at the bottom of the page of the page XX/XX/XXXX. The payment history clearly shows it when it when to collection. Then also shows when I made the last payment making it XXXX balance as it is being reported. But out of no where the have a another date making it appear that the Major Delinquency is reported last year XX/XX/XXXX. This has hurt me in getting fund because it appeared to be recent. I tried to tell the lender that but they said there is no clear payment history when it started because they put NR all over my payment history making it unclear when anything happen. I called Equifax to show them the clear error of reporting two different days of delinquency and how it is effecting me getting credit. I ask to to remove this clear error and do investoring before they can put it back on my credit report because why should I suffer when someone else makes a clear mistake. I am looking for funding for my business and things like this can take my out of business. It is not fair when reporting agency see clear errors and refuse to remove them until they are probably fixed. When I did a investigating with Equifax in the past they took XXXX points off making my score to low to get funding until the investigating is done. This is like blaming me for standing up for my rights to fix my account and making me suffer for 30 - 45 days until they finish investigating. My score should not be affected until the final update is finish. Why should I suffer for and error that Equifax should not aloud to report. No clear payment history and two different delinquency dates. I spoke to a supervisor and they said they can not do nothing but file a dispute when this account should be illegal. It is clearing wrong. XXXX Account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have reached out to PNC on XXXX separate occasions, over a 1 year period to attempt to obtain a modification. The HELOC is the only loan on the property. When the HELOC was obtained PNC incorrectly assessed the value of the property to obtain a larger line of credit. The property value is currently XXXX and the HELOC due is XXXX. Our income has greatly reduced and PNC has been unfairly charging us our monthly payment. They have been charging more than required, in an effort to force default on the HELOC. When we have contacted PNC I have been told a modification is not an option and if I do n't agree I can submit a request in writing and receive a response in 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.

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 12/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have been banking with Chase bank for many years back when they were Washington Mutual. I work late in the evening so I do most of my banking online and through ATM 's. On Saturday XXXX XXXX. I made a deposit in the lobby of my local Chase bank for {$940.00}. The machine malfunctioned and gave me a receipt saying I deposited {$80.00}!!. I immediately freaked out looking for my money in the return slot and nothing! I immediately called Chase claims and asked what I should do. I did not want to leave the machine for fear my money would come out. The representative assured me they had cameras so if anything like that happened it would be OK. She put a temporary credit on my account and said they would investigate. 2 1/2 weeks later I receive a letter saying they completed the investigation and they would be taking the {$860.00} back out of my account!!! I called claims and they were no help. They just told me the money was not showing in the report. I was furious and so upset. I demanded they check the cameras and give me a copy of the tape. They said they would only do that if I had a subpoena. I went into my local branch and asked for their help. They escalated this to another office who did a review and denied the claim again. I asked for a manager and they said they would have to have one call me back and NO ONE has even had the courtesy to return my call. I have banked here for years. I have a personal account, a youth account for my daughter and a business account. Their customer service is terrible and they have stole my money. I feel so helpless. My money should be safe when I use their ATM but it was n't. They continue to tell me they can not find the money but I feel they are just looking at the report and not going the extra mile to investigate. Did they do another audit of the machine. Did they check the machine again? Did they check the tape? Did they have a recording of the person who took the money out of the machine. I should not be responsible if they stole my money. I work hard for my money and {$860.00} is a lot of money for me. Not only am I out that money but now this threatens to hurt my credit and keep me form opening an account with other banks in the future. Please help me because Chase is doing nothing!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (MD).
Issue: Adding money

Complaint: Hello, I have a Rush Card. Today I loaded XXXX dollars to my card at XXXX though greendot. Then I called to check my balance to make sure It was credit. It said it was. Later I went online to pay my care note and the system said I have insufficient funds. I called Rush company, they had me on hold forever. I talked to XXXX ppl. Then I finally talked to someone they said they cant locate my money. I provided ref # and everything. All they tell me that they send to higher authority and there 's nothing they can. So now Im out of XXXX dollars and carnote not paid. I read on the internet ppl have not be getting their money. what can we do about our money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (IL).
Issue: Account opening, closing, or management

Complaint: I had my 2015 tax return sent to net spend on XXXX XXXX. They let me make couple of with draws. Then they put a block on it. They wanted information that I could n't provide.So I told them to mail it to me.I call several times and talked to many supervisors and all gave me different information.They claim they mail it off.Here are some of the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX &, XX/XX/XXXX all dates had a20 day waiting period. As of today date XX/XX/XXXX I have n't received it.Now every time I call I 'm holding till the line click off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt Collector continues to report, twice, a debt which has been paid to the original creditor.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about XXXX years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet. 

I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank. 

I closed the checking account on XX/XX/XXXX.

I withdrew from my savings account on XX/XX/XXXX.  The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license. 

There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice. 

What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw. 

Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents? 
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this. 
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4.  Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: To Whom It May Concern : I am having issues with Discover card billing resolutions. It is probably one of the most incomptent department you can imagine.

I purchased the item on XX/XX/XXXX2017 from XXXX for XXXX Item was returned to XXXX using their prepaid XXXX label. Item was returned, however, XXXX  did not give me any updates. Then I contacted them multiple times, they claimed that the box they received was empty. After confronting, and getting XXXX chat help involved, XXXX said it was not empty ; and XXXX then opened the case saying someone will respond to me in couple of days. I got no response. Then I tried again, the same thing happened. So I contacted Discover, asking to help me to resolve the issue. I got a lot of bubble gum, overly fake and sweet type of treatment, promising they are doing their best. Then few months later I found that the balance was higher than it supposed to be. Turns out the charge was reversed, and no notification was made by mail. So I had to contact them again, and re-explain the entire story. The case was reopened. Few days ago I checked again the account to see if there is nothing unusual, and I found again higher than normal balance. Turns out the charge was again placed back on my account. In dispute page it says 2nd review found the charge to be valid not sure how did they conduct the review. So I initiated again the chat with billing department. I got XXXX, if I am not mistaken, ( the same I dealt with at the start ) to talk to. She said she needs some proof with the weight. I had to reexplain the situation all over again. And I had to guide her to check my supporting documentation, which were a given XXXX  label from XXXX and proof of delivery from the XXXX  showing the weight. So I was told that oh they did not notice it because the weight information was so far on the bottom of the slip. According to previous rep- he already put the notes on this case before with the details. So I dont understand 2nd review found the charge to be valid without even looking into it?

Then on the top of that I was told that the billing rep would not be able to reopen the case for me, needs supervisor to look into it, and supervisor was not yet at work. I think I spoke with them around XXXX so OK. I contacted them next day, I was told its under review. It was XXXX. I asked if I can talk to supervisor myself, it only takes 30 seconds to check everything out. XXXX told me that supervisor is not working. I asked for hours of supervisor- turns out supervisor does not even work. No one knows when he works. Today its XXXX day still nothing. And they bill me higher minimum payments for this, report to credit bureaus higher balances, and charge the APR for this. This is completely unacceptable.

I attached the documents for a review for both CFPB as well as for Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: At the end of XXXX, Santander consumer USA repossessed my car. During this time, I have made effortless tries to try to get my car back from Santander. Every time I would call I would get a different quote or something completely different from what I was told by another representative. I have made several attempts and Still no luck. I have no idea where my car was taken too, I was never told where I could pick up my belongings, I was never notified of anything regarding the car. I know I have a right to know where the car is and at least get my belongings. I have confidential information and belongings in that car and still, Santander refuses to release information or at least my property. As a consumer, I have rights that were abused and not respected by this company. It has been a stressful process with no help. I have called multiple times with solutions and trying to come to a compromise or at least a solution. I have tried to work with Santander and have had no luck. It is XXXX and I still do n't know about my car or my belongings.

Company response to consumer: Closed with explanation