milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Billing disputes

Complaint: I issued a check to Dillards in XXXX and it never went through then received another statement in XXXX stating it was paid due. I called on XXXX XXXX, 2015 and paid the {$2.00} over the phone and was given a confirmation number. I called today XXXX/XXXX/15 to verify that the balance was showing XXXX and it still is showing the {$2.00} as past due. I am very upset because this is showing up on my credit report. Also, the woman stated that they tried again and it would not go through using my debit card. There is something wrong with Wells Fargo who is handling Dillards. I am going to the store tomorrow to pay this off. Can you please inform someone of their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Fraud or scam

Complaint: In XX/XX/XXXX, I sent money from XXXX to XXXX via Western Union, while I could n't receive the money. They offered me quite a lot of solutions, which were totally useless actually. They also asked me to provide my personal information, such as my passport, my driver 's license and the address. They promised me that I would receive a refund check with Fedex tracking number, which never happened. The last email I received from them was on XX/XX/XXXX, which asked me to wait with patience and I have been waiting for a whole semester. Today after I finished my final exam and tracked this transfer on their website. I was shocked by the word " We could not find any records that match the information you provided. Please try again. '' It is my first year that I came to XXXX from XXXX. I have not idea if it is kind of fraud. 
BTW just in case there is confusion, this transfer was sent from the online bank of my account in XXXX to myself in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion is exploiting the security catastrophe caused by the malfeasance of XXXX. TransUnion is charging {$10.00} to freeze each credit history account ( which I was forced to pay to freeze my credit ; order # XXXX from 2017XXXX ). With highly private information stolen from 143M people, TransUnion can expect to receive {$10.00} * 143M = {$1.00} XXXX. What 's special about this amount is that TransUnion earned $ XXXX in revenue for XXXX. Hence, TransUnion will more than *double* their revenue by exploiting the American public who were impacted by the incompetence of XXXX. This is an unacceptable business practice and shows the contempt that credit bureaus have for the American public. 

Shame on TransUnion for not doing what 's morally right by removing fees to freeze credit history.

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 01/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to do this?

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 01/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I have/had account ( s ) with PNC Bank, some for 25+ years & others current accounts. For some reason they have closed them. They tell me to go to my bank account disclosures. This makes no sense to me. I maybe " being '' discriminated against by PNC Bank, I do n't know?

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit inquiry on my Trans Union, XXXX  and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : 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 08/15/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XX/XX/XXXX Account Number XXXX This is the fourth or fifth time complaining about my mortgage company, Roundpoint. I am currently attempting to secure a successful short sale of my property and this is the second time that i have secured buyers threaten to walk away because Roundpoint is dragging their feet with timely processing. My attorney and listing agent has worked tirelessly to get this short sale completed. Roundpoint continuously allows time to transpire letting timely delivered correspondence to expire and my having to submit documents over and over again. I attempted a short sale in XX/XX/XXXX that fell through because of this same issue. I then attempted a loss mitigation that was forever attempting to get completed and was only done after i submitted a complaint and then it was more than my original mortgage payment. Now again attempting short sale because of illness and loss of work that started on XX/XX/XXXX. As of XX/XX/XXXX the 90 day contingency has expired and the buyers are  now threatening to pull out of the deal because of the lack of confidence of ROUNDPOINT internal processing!! This is unacceptable. One because my case is not escalated it is still being handled by a POC that does n't respond in a timely fashion and two because this will be the SECOND time losing a sale on my home. WHAT THE XXXX is going on over there!!

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 06-11-2015 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We received a loan modification from TD. We complied with all the payments. 
completed XXXX trial payments $ XXXXCash contribution of $ XXXXXX/XX/2014 modification began $ XXXXXX/XX/XXXX notice of new payment $ XXXXSince receiving that letter we have called and emailed out representative. No responseCalled TD bank XXXX times a week on phone for hours being transferred around. No one knows what 's going on and they say a supervisor will call back. They never do. 
What do we do? Nowhere in agreement says this is going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with SYNCHRONY FINANCIAL (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquiry issue called XXXX they refused to remove

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 04-10-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I CANT BELIEVE THIS MESS. I SENT OUT NOT XXXX BUT XXXX LETTERS STATIN NOT TO CONTACT ME AND TO TAKE THIS MESS OFF MY CREDIT REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: US Bank claimed that I authorized charges based on XXXX facts that were presented to me 1. ) That the signatures on sales receipts matched my signatures 2. ) That the voice on 11 calls on this account were identical I provided proof, in the form of a certified forensic investigator, that there were no similarities and US Bank wrote in their response : " Please be advised that we are unable to provide you with copies of recorded calls that you have requested. ''

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 07/25/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: I received a call from a company in California called XXXX XXXX XXXX who said that they had submitted paperwork to take me to court for litigation on an old bank account from US bank from like XXXX or XXXX, I did n't even know about this account til the company said something because I was never sent the information pertaining to it file # XXXX and then they said the consumer finance protection bureau had filed a complaint against me as well but I never received any notification from you guys or US Bank claiming fraud, I thought that once something was n't on credit report could n't use it again

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX autos on XXXX XXXX policy purchased through a broker. In XXXX XXXX I cancelled XXXX of the autos ( XXXX XXXX ) and notified the broker in writing. The broker confirmed via email he would cancel. I noticed in late XXXX that the policy still reflected XXXX autos and I had paid over a year for insurance on a car that was insured with other companies during that time. After providing proof of insurance to XXXX and my broker, XXXX did not credit the policy premiums all the way back to XXXX XXXX. So I deducted XXXX roughly ( the balance of the credit they owed me ) from my last payment and cancelled the policy. nationwide placed the balance for collection with Credit Collection Services. They refuse to honor my dispute, they dont review my written dispute material, and they 've listed the collection item on my credit bureau. I 've send them my detail and correspondence XXXX different times. Once by writing, XXXX time via email and lastly by up loading by evidence on their web site.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WI).
Issue: Managing the loan or lease

Complaint: I paid off auto loan VIN XXXX with XXXX about 5 years ago. XXXX was to have released lien on my vehicle. XXXX had an obligation to electronically clear my title when the load was paid off. 

When I called XXXX to have it released they stated that it would take 24-36 hours. 

I beleive XXXX has a pattern and history of failing to release liens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan Servicing refuses to send me monthly statements despite a Federal Bankruptcy Court order to do so. 
They are also withholding applying my payment to my account in a timely manner, essentially increasing the interest they earn. For example, I send them my check on the XXXX of every month but they do no apply the amount paid to my loan until two weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (IL).
Issue: Trouble during payment process

Complaint: Loan Care underestimated my escrow payments. Now it reassessed my escrow and I have to pay nearly {$800.00} more a month to satisfy my escrow minimum balance. The company wants me to do this in a period of 12 months. On XX/XX/XXXX I called and explained that I would like to get an extension to be able to repay within 24 months and make the burden easier on me. They explained I would have to do it in writing thru e-mail. I did so and 3 days later received an automated e-mail back stating they had received my request. I havent heard nothing else from them and now on XX/XX/XXXX im expected to pay {$2000.00} from {$1200.00} that I was paying. They never said yes or no to my request for and extension or responded back in a prompt way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Since XXXX XXXX, I have been trying to get Equifax to confirm I have been enrolled in their TrustedID service in response to the data breach. Previous to that date, I followed the instructions and applied for the service as directed by Equifax. I also contacted their customer service number by phone to enroll and was told I would be receiving an email confirmation. That email never came. I followed up with several emails. I was last contacted by them on XXXX XXXX where they stated XXXX in the email ) that I would be contacted by a representative. I have not been contacted despite having sent them follow up emails on XXXX and XXXX. I have the case number and incident number they provided in their last response to me on XXXX and will provide it to XXXX as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Payment was made over the phone But for some reason reported it as a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I contacted Transunion to resolved unauthorized inquires showing on my credit report. I called and spoke to US representative by the name of XXXX. Ive recently checked my credit report and noticed many inquires that were removed during a breach in XX/XX/XXXX- XX/XX/XXXX were reinserted. I DID NOT receive a written 5 day notice informing me about the breach or Transunion reinserting the inquires. This is a violation of the FCFA. Transunion can not continue to violate my rights. 

Transunion are in violation of fdcpa 805. Communication in connection with the consumer generally Without the prior consent of the consumer given directly to the Debt collector or the Express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Plus I had already had a fraud alert on my account which was just added back, but they still refused to remove the inaccurate information.

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 10-04-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Late fee

Complaint: I called due to losing my Macy 's American Express Credit Card. I could not find my husband 's card. I am the authorized user he is the account owner. This card is being reported on my credit. I am not sure what the rep put in the notes but now it is marked for fraud. I only told the rep I lost my card and could not find my husband 's at the time. Now they wo n't even allow me to make a payment on the card. This caused the card to be late. They demanded that I pay the current balance which is not due until XX/XX/2016 and the past due ( stating that it was all due now ). Then is still going to charge a late fee when all I have been trying to do is make a payment. I had to get a supervisor just to let me make a payment. I work nights and not able to get my husband on the phone to say it is okay for me to make a payment. I just wanted to make a payment to avoid late fees and credit marks. Now I have a late fee and possibly a credit mark. Once again because even though I am only the authorized user this card is on my credit too.

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 08-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: An empty lot adjacent to the property that is the Commitment in the Security Instrument for my mortgage had a lien incorrectly placed on it. I would like to sell that lot, and can not get the mortgage company to remove the lien. XXXX backs the mortgage, and Green Tree Servicing , LLC is the servicing agent. Green Tree refuses to process my request for a title defect from origination, which is the preferred method per XXXX servicing guidelines. Instead, they want to process as a partial release of mortgage, which requires them to make the determination that the release of property does not adversely affect the debt-to-asset ratios, which it will. Therefore, they are unwilling to fix the issue. The county will not remove the lien, unless the mortgage company is willing to sign that the lien is in error, or that they willfully remove the lien. Since, neither Green Tree or XXXX will sign a document, or resolve the title defect, I am unable to sell a lot that was never part of the mortgage. 
I am attaching the original mortgage, which shows a purchase of Lots XXXX and XXXX, with the transferred property rights in the Security Instrument being only Lot XXXX ( see bottom of XXXX page of attached mortgage, under section TRANSFER OF RIGHTS IN THE PROPERTY ). I paid cash at closing for Lot XXXX, which as an empty lot, could not be made part of the Security Instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017, I disputed the account listed on my credit report as ONE MAIN. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought Springleaf Financial. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and  closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.

Company response to consumer: Closed with explanation