milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Received correspondence from Wells Fargo XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX. The correspondence was addressed to XXXX XXXX XXXX with a mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX does not live at this address and has never lived at the address. He has never used this address as his mailing address. Contacted Wells Fargo customer service department on XX/XX/XXXX18 at XXXX XXXX and talked to XXXX XXXX. XXXX XXXX ask me what correspondence was in the envelope and I told him the envelops was not addressed to me and it would be a federal offense if I opened it. He than asked if I could see the correspondence through the envelope. Please review the tape recording of our conversation for details. I again informed XXXX XXXX that is was a Federal offense to open mail that was not address to me and that I was noting going to prison for an error Wells Fargo made. I than had a telephone conversation with XXXX XXXX and explained that I had received correspondence from Wells Fargo at my residence. PLEASE CALL ME ASAP AND SEND A LETTER TO XXXX XXXX AND TO MYSELF AND EXPLAIN WHY XXXX XXXX XXXX INFORMATION WAS SENT TO MY ADDRESS. XXXX XXXX DOES NOT LIVE AND HAS NEVER LIVED IN THE STATE OF ARIZONA. INFORM ME, STEP BY STEP HOW THIS HAPPENED AND WHAT YOU ARE PUTTING IN PLACE TO MAKE SURE THIS DOES NOT HAPPEN AGAIN. THIS IS NOT THE FIRST ERROR WELLS FARGO HAS MADE CONCERNING MY ACCOUNTS. AT ONE POINT WELLS FARGO REMOVED {$3000.00} FROM ONE OF MY ACCOUNTS WHICH I HAVE NOW CLOSED DUE TO THE ERROR AND PUT THE {$3000.00} IN SOMEONE ELSE 'S ACCOUNT. PLUS PUTTING SOMEONE ELSE 'S PAYROLL CHECK INTO MY CHECKING ACCOUNT AND NUMEROUS OTHER ERRORS.

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 08-04-2015 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I previously submitted a complaint on same company in XXXX ( case # XXXX ) I received letter from creditor on the case # for Bayview Loan Servicing stating they would discontinue all collection Activity on the loan ( DISCHARGED ). 

I have now received a billing from them again for change of my mortgage interest rate and that I owe {$5000.00} that is due XXXX XXXX, XXXX. 

I spoke with Bayview this afternoon and they said I will have to send them a letter and documentation to show the mortgage account was include in my bankruptcy ( Chapter XXXX - XXXX ). 

they were suppose to have all this information and correct their records back in XXXX as per my case # XXXX. 
THIS IS A DISCHARGED DEBT .... CREDITORS WHO VIOLATE THIS ORDER CAN BE REQUIRED TO PAY DAMAGES AND FEES TO THE DEBTOR ... 

Do you need me to submit all the documentation again? 

they need to stop, HOW MANY TIMES DO I HAVE TO CONTACT THEM AFTER WE TOOK CARE OF THIS IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, i am seeking your help because it is over 2 years trying to get my loan modify with Wells Fargo and they never approved me for any type of resolution. Now that i decided to sell my home under a XXXX Short Sale. Wells Fargo keeps refusing to help me in order for me to avoid foreclosure. 
Please help since i dont know what to do. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 disputed fraudulent accounts on my credit report with XXXX, TransUnion and XXXX in writing twice. I requested that XXXX, TransUnion and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of TransUnion over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF TransUnion has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617. <P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from TransUnion and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first XXXX letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

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 07/15/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Making/receiving payments, sending money

Complaint: I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

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 08-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Aldridge Pite, LLP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Servicer has not accounted for payments received and disbursed from my mortgage escrow account properly since XXXX XXXX through XXXX XXXX and is requesting a foreclosure via Aldridge Pite LLP when it appears that approx. {$10000.00} of my funds paid and received as acknowledged by the Mortgage Servicer are unaccounted for in the escrow account. I want to know where the approx. {$10000.00} went. I do n't believe Aldridge and Pite LLP has been provided a true accounting of my mortgage balance or escrow account balance and are proceeding with a foreclosure based upon cooked books created by the mortgage servicer..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian failed to follow Fair Credit Action 605b and block the info that is the result of id theft. This is my 4th request and I am including the FTC Theft form completed, Police Report, Drivers License, SSN card and proof of residence! Please block the XXXX XXXX XXXX account it is a result of ID Fraud!!!!!!!! Please review all attached documents and the FTC is n't signed because its an automatic report to the police I did but the police report is included as required under FCRA Section 605b.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 about Debt collection (Federal student loan debt) with LOAN TO LEARN (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with The Leviton Law Firm, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never heard of this XXXX XXXX XXXX place before. All of my medical bills have been paid by insurance or workmman 's compensation for the last 10 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NJ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX, XXXX I leased a new XXXX XXXX XXXX from the dealer XXXX XXXX XXXX XXXX located at the address XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The lease company is Ally Financial. They said there will be XXXX downpayment, but I made {$3000.00} payment. Overall, I am overpaying for the car. I paid {$3000.00} downpayment plus the first month payment of {$600.00}. And my monthly payments are {$600.00} for 39 months. The dealer quotes the same car for other customers for around $ 400 monthly payments. So they charge me extra {$200.00} per month. I went to the dealer to ask why I am overpaying. Their reply was " you already knew that the payments will be {$600.00} ''. They didnt give a fair explanation why I was overpaying than other customers. I feel like they tricked me and made me pay a lot of money. Plus my credit score is excellent. It is not that I am overpaying because my credit score is bad. Please approach the company for a reasonable answer why I am overpaying for the lease. $ 600 monthly payments with {$3000.00} downpayment is a lot of money. They tricked 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 05-10-2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Advertising and marketing

Complaint: Dispute of Charges -- Offer of {$100.00} credit for applying for Citi credit card account on XXXX XXXX website is not being honored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2016 about Debt collection (I do not know) with Consolidated Management Group, LLC (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A man named XXXX called me from XXXX to tell me there is a possible claim being filed against me. He gave me a phone number and claim number and attempted to verify my home address by asking me was I home. I explained that I did not know anything about a company named Continental at XXXX. He told me he would call me back in 30 minutes after I spoke with them, but to consider myself served. He called me back and told me that since I had not contacted them and did not take this seriously he would come to my place of business.He asked me again was I at home. The phone number is coming from a XXXX XXXX in XXXX, Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion is reporting false information regarding my payment status with XXXX XXXX XXXX XXXX.I have never been late on any payment with XXXX. This false report is hendering my ability to move forward with my financial health. I have filed disputes with Transunion regarding the removal of this false information. Transunion had removed these negative items but recently began re-reporting them. Please help?

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 03-05-2018 about Mortgage (FHA mortgage) with RESIDENTIAL MORTGAGE SERVICES (MD).
Issue: Closing on a mortgage

Complaint: I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is XXXX 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 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, I paid for a monitoring service with Experian at Experian.com 3 months ago and immediately l discovered an unknown entry. It has been 3 months and my case has yet to be resolved. I am requesting your help to have the following unknown entry deleted. I have contacted the original creditor but they cant help me because the account is not tied to my personal information XXXX XXXX XXXX Acct # 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 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was advised that my introductory rate had ended and my minimum due was going up. I accepted the situation and paid early and a little more than required. My balance went down by {$27.00} after interest and my next month 's statement with no new charges and the same 16.49 % for standard purchases an 26.49 % on cash advances went up by {$34.00}. 
When I spoke to 1st member of management I was told I had not paid my first two payments and that I paid the wrong amount because I paid what showed on my statement and more before it was due. I was told I did not make the correct amounts, though I had statements showing what was due and having paid more each month. 
The 2nd member of management advised that I had paid correctly all along but that with my balance going down and being charged the same interest rates my minimum payments would again increase by 62 % over the previous months interest. 

XX/XX/XXXX statement showed {$110.00} minimum due on {$5400.00}. I was charged {$57.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 29 day billing cycle. ( {$1.00} a day in interest ) No new charges added.

XX/XX/XXXX statement showed {$140.00} minimum due on {$5300.00}. I was charged {$92.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 33 day billing cycle. ( {$2.00} a day in interest ) No new charges added I was advised that if I paid more than the minimum due and paid before due date that my next payment would go up by over {$40.00}. When asked for clarification I was told I just don't understand cards and I could not begin to understand the interest. I asked if the amount owed was less and the interest rate the same how my payments could be going up every month when there were no new purchases according to their statements. I was told you just don't understand and you need to take us on our word because we are the credit card company. 

This is on a XXXX XXXX XXXX Card by Citi.

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 09/19/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.

Company response to consumer: Closed with explanation