milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Submitted a XXXX dollar check to wells fargo, believe had the amount in father 's XXXX life insurance account, in fact, apparently did not, banker showed returned check, promptly went and checked, and came back to the bank and submitted a XXXX check which did in fact have the full amount of funds available, which did in fact clear. believe the bank had " mistakingly '' initiated the XXXX check again, and apparently this XXXX time time bank initiated XXXX run of the check was enough to close an account built from a year long developed opportunity account, at a time where am currently on my own, post a father 's passing, securing living space, and closed the account. 
XXXX and XXXX XXXX XXXX, XXXX number XXXX were the people call center sent to the call to.. prevented being able to pay for a hotel, etc. absolutely no fraudulent activity. absolutely would be a period of two days without any direct funds from my own personal account with no fraudulent activity. am very concerned on the activity on the decisions and would definitely like further research in direct integrity and of a genuine nature. 

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have asked the company twice to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Payday loan, title loan, or personal loan (Installment loan) with ACIMA CREDIT, LLC (VA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My Synchrony Bank/Walmart credit card account : XXXX is lost/stolen and compromised. Someone used my entire credit limit of {$2500.00}. All of the charges are fraudulent, unauthorized and don't belong 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my complain is about my  credit score  on  XXXX   XXXX    XXXX   my  credit score  decrease  XXXX  pts from  XXXX  to  XXXX  then on  XXXX   XXXX  it decrease  XXXX  points and  XXXX  points from  XXXX  to  XXXX  .In that time frame the only thing happen is i paid a loan of  XXXX   (  unify financial credit union ) in full  2  yrs before my term expire and during that month i do n't have a late payment my credit usage is 9 % and  XXXX  deliquent account was deleted on my report.All this positive things i did why did my  credit score  went down from  XXXX  to  XXXX .i called experian and they do n't have any  explanation.Now Honestly to me credit score  is a joke it was made to help all Banks, lending company and Credit card com. makes more money .lender will deny you even if your score is above  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

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 04/26/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Received a letter on XXXX XXXX, 2016 from PNC Mortgage date XXXX XXXX, 2016 accusing me of not having insurance for my property and threatening to buy it for me. " Because unit owners insurance is required on your property, we plan to buy insurance for your property. '' First, they never asked me to provide proof of coverage. Second, they have their own insurance company which I believe is a conflict of interest. This company is not consumer friendly and should not be allowed to provide mortgage services.

Company response to consumer: Closed
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently checked my XXXX credit report and found negative accountings on my account that should not be there. The one to which i am currently reffering is my mortgage with XXXX XX/XX/XXXX- XX/XX/XXXX. I was covered under the SCRA law during this time and have enclosed the orders as well as the law for you to correct this mistake as soon as possible. I also have several other issues including XXXX, XXXX XXXX, XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX XXXX. I was covered under SCRA starting XXXX XXXX XXXX XXXX XXXX and a year after that as well as, XX/XX/XXXX- XX/XX/XXXX and a year after that, as well as, XX/XX/XXXX- XX/XX/XXXX a year after. Attached are all of the orders for these dates and all negatively affecting credit reports for said dates should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PENTAGON FEDERAL CREDIT UNION (PA).
Issue: Settlement process and costs

Complaint: During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit )

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX cable/phone/internet had a billing error for XXXX form XX/XX/2013. When I pulled credit report I noticed contacted XXXX and they removed from all Credit Reporting agencies and stated billing error on their side. I checked the reports and all entries were removed. Several months later I received a letter from Collection : Debt Recovery Solutions for the same amount. I explained the background and faxed them the receipt of the return equipment to XXXX. The rep advised ( XXXX ) they would remove the account from their files. This week notices the Collections has been placed on my Credit report. I called XXXX and they could find NO records of any Past due, Collections under my name or any address. How can Debt Recovery Solutions report a debt that XXXX states I have none and I sent them proof of 2013 return of equipment

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 06/17/2015 about Credit card () with U.S. BANCORP (FL).
Issue: Billing disputes

Complaint: I believe that I am being billed incorrectly or the payments are not being reported correctly. I have paid a past due amount of {$66.00} and I 'm still being billed for it. It is a negative reflect on my account. Also, I was told that my payments would be approx {$34.00} per month and I have been billed for more, in which they keep increasing the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Regarding Citi-bank : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from XXXX XXXX to Citi-bank. I notified Citi-bank of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the XXXX auto-payment to Citi-Bank, and nothing as been remedied yet. Regarding XXXX XXXX ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his XXXX, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Neither bank seems willing to help remedy this situation, and XXXX XXXX continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.

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 06/18/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We were denied of a modification due to " not imminent default ''. Our income is less than halfthat when we got the loan. I lost my job due to medical reasons and I am filling for XXXXOur loan take 36 % of our income.

Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased office furniture and they never sent me a bill but then reported me late to the credit bureaus. We knew a payment would be due, we just did n't know when and they never sent us a bill. By the time we got it straightened out we had a late payment on our credit reports.

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 08/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: WE filed for a loan modification, due to hardship, illness and low income, with Nationstar in XXXX 2016. It took 2 weeks for the 'time sensative ' application to reach us. We were assigned a loan specialist, XXXX XXXX, to oversee the process. We sent the documents requested, sent more documents when the first were deemed insufficient and so on. XXXX XXXX was never available for the telephone, when he would call and reach our screening message he would hang up, and when responding to a message left for him would call back, but always at the wrong phone number. Finally we reached an individual that saw what the problem with our documents was and we sent the correct one on Thursday, XXXX XXXX, 2016. The following Monday, XXXX XXXX, our application showed all the requirements had been met and it had been forwarded to the underwriters. Tuesday, XXXX XXXX, the message had changed, and we were informed that our application had expired XX/XX/2016, and we could re-apply if we wanted too. 
My wife was able to get through to a different agent on Thursday XXXX XXXX, 2016, who informed her that the reason the action had been taken was that there were better programs, ones that fit our needs better. Friday, XXXX XXXX, in a one hour phone tag event, she was informed that had the loan modification gone through, we would have had lower monthly payments, but Nationstar would have added an additional 20 years to our loan duration. We currently have 20 years, 7 months left, I am XXXX ( soon to be XXXX ), and had a XXXX 2 1/2 years ago. My wife is XXXX and does not receive any XXXX payments. 
It is unrealistic for Nationstar to expect us to maintain a mortgage until I am XXXX years old. There never was a communication that shared their intent, the loan 'specialist ' XXXX XXXX was never available, was non-responsive and intentionally obfuscated the actions of Nationstar by returning calls to the wrong number. The last agent my wife talked to had no idea who XXXX XXXX was, and said that he would institute an investigation into why he was allowed to act on Nationstar 's behalf. 
We were applying for a loan modification under the auspices of HARP, in an effort to remain in our house. We are current on our payments and have never missed a payment, but have had some bad luck and ill health lately. We proceeded in good faith. It does not seem that Nationstar has done so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2018, I noted two checking/saving accounts and two credit card accounts, which do not belong to me, show up on my Bank of America ( BOA ) mobile App, and I have full access to these four accounts. I reported the incidence to BOA, and BOA start a claim case on these accounts and put them on hold. 

On XX/XX/2018, my own checking account was placed on hold by BOA, the two checking/saving accounts I reported was still active and I still have the full access to them through BOA mobile APP. 

On XX/XX/2018, I called BOA again and let them know they hold the wrong account and was told as the department who hold my account does not work during the weekend, they can not lift the hold. 

On XX/XX/2018, I called BOA again and I was told I have to visit a BOA location with my legal IDs. Then I visited the BOA location at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was informed by the relationship manager there that BOA wrongly merged my customer profile with anthoer customer, who shares the same name with me but lives in a different state, on XX/XX/2018. Because I called on XX/XX/2018 to report the four additional accounts in my APP, this customers account was on hold on XX/XX/2018. As a result, this customer visited one BOA branch, BOA then unhold her/his accounts, terminated my claim case under her/his name and put a hold on my account on XX/XX/2018. I provided the relationship manager at BOA XXXX XXXX location copies of my official IDs and she sent them to an analyst ( XXXX XXXX XXXX XXXX Department ) to prove that I my the legit owner of my checking account. 

On XX/XX/2018, my account was still on hold and BOA still has not separated my customer profile with the other customer, I still have full access to her/his two active BOA checking and saving accounts. I called BOA customer service again and was told though I provided all the documents and it takes XXXX business day for the analyst to review my case. 

On XX/XX/2018, my account was still on hold, I still can access the other person 's BOA checking and saving accounts, and I did not hear anything back from BOA. I was informed by my credit card company that BOA cancelled my payment I made on XX/XX/2018 ( the day I report the case to BOA ). I again called BOA customer service to follow up my case and was informed by XXXX from the billing dispute deparment at FL, they can not provide me any infomration on my case unless I go to a BOA branch.

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 04/19/2017 about Credit reporting () with TENET HEALTHCARE CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: To date, I 've not received any invoices or payment requests from this collection agency, only copies of a hospital statement and a copy of my drivers license and signature. I have credit reports from as far back as  XXXX , each clearly showing that they never reported this " collection '' in  XXXX , as they claim they did. I suspect that is because they NEVER made any " collection '' effort, NEVER contacting me at all. I 've found that I am not alone in my grievance, my case being mishandled along with hundreds of thousands of others. This is evidenced as per your  XXXX  lawsuit,  File No.   XXXX , to which I would like to be added as a plaintiff. Aggravating my situation and possibly in response to your lawsuit order to put procedures in place, their lack of diligence with regards to their client ( and me ) was discovered. I 'm certain they decided they 'd best do something to justify their billing to my hospital, even if it was wrong. Hence their  XXXX  erroneous reporting of a nonexistent " collection '' effort more than 5 years after the date of service. I want this removed from my credit and / or to talk with someone from CFPB regarding a lawsuit of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.

Company response to consumer: Closed with explanation