milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NH).
Issue: Account opening, closing, or management

Complaint: Starting XX/XX/2016 there was over {$2000.00} missing from my account according to my statements and have not been able to reconcile my account since then. Please send a FAX number so I can FAX my supporting bank statements.

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 12/21/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: My husband XXXX XXXX lost his wallet and there were some unauthorized charges on our debit cards from Citi bank. On XX/XX/2016 we disputed all unauthorized charges from our Citi bank debit cards. There were unauthorized withdrawals from my personal debit card and my husband 's business debit card. Our disputes were dismissed twice. Then my husband filed an appeal and a complaint to CFPB. On XX/XX/2016 he received a letter from Citibank that the charges were unauthorized and the final credit was issued to him. XXXX XXXX. 
On XX/XX/2016 I filed an appeal regarding my claim. Today I found out that they dismissed my dispute. I called the bank immediately and requested an explanation why my husband 's claim was approved and my claim dismissed. They could not provide with any explanation. To clarify - my card was in my husband 's wallet when it was lost. I was with my husband in XXXX XXXX. We faxed all supporting documents requested by Citi bank several times and filed a police report. They provided me with XXXX different dispute numbers for the same dispute, and they were calling my husband cell regarding my dispute instead of calling me. Why were they calling him for my personal account dispute? There is a miscommunication within the departments of the bank and a poor customer service. After I submitted the appeal nobody contacted me and tried to solve my issue. 
I am appealing this decision of XXXX as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) otherwise I have to file a formal complaint to Consumer Financial Protection Bureau and make my issue public. I have never authorized these transactions.

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 07-08-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Settlement process and costs

Complaint: I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Alliance Data Card Services (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I attempted to contact the company, however, they would n't allow me to talk to someone. I sent 2 letters and the first time they responded about the wrong account and the second time they ignored my issues completely. The creditor - Comenity Bank - engages in shady business practices and does nothing to actually look into the issues and truly investigate. I also submitted a dispute and within 2 days they responded stating the information would not be corrected. They did n't even investigate! 2 days turnaround shows not even looking into the matter. I have other accounts and have been a good customer, however, they could n't even help me with this matter. I have read several better business bureau complaints for this creditor with similar issues. I want the late reporting removed because it is inaccurate and due to errors on their part, not sending statements and disputed fees

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following unauthorized inquiries are showing on my TransUnion credit report. 

When I call their toll free number, my calls keep getting transferred to India. The representative says even though my info was improperly used, I am responsible for contacting each company to straighten this out on my own : 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 5.XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX All they do is read to me from a script. It is very frustrating! XXXX and XXXX  were very willing to help when I told them what happened. TransUnion is not.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.

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 03/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close it.

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 01/23/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I went to wells fargo to apply for a mortgage loan. I was given a preapproval letter by XXXX XXXX stating how much I was approved for. I gave the letter to my real estate agent and we started looking. Within a few days we found a home. We communicated with the loan officer the amount of the home and he gave us an offer amount that fit our payment needs while being in the budget he gave us. The offer he told us to give was accepted so I proceeded to borrow from my XXXX for the {$1000.00} binder needed as well as the inspections. XXXX then told us to immediately give the money back to XXXX XXXX because it would look bad on our credit, not knowing XXXX loans do not affect your credit what so ever. XXXX should have been very well aware of that! So we could not give the money back so he advised us to immediately use the money to pay off a couple of credit cards to make up for taking out the loan. This was unescessary money we did not need to spend nor could we afford to spend then to find out it was for absolutely no reason in the end. We proceeded to move forward with inspections and XXXX. This is when all phone, email, or text message communication completely stopped. We reached out numerous times to let him know all these things were done and we were ready for finalizing. Well after about 8 days we realized the loan was not going to go through, he had inputted my info wrong. I still have not recieved a call from him at this point I have reached out to corporate and was informed that he was wrong and they were sorry ... .Well now I have taken out a {$2000.00} loan, paid for all inspections, paid off XXXX credit cards with the money borrowed per his advice, and put down a {$1000.00} binder all on the word of my loan officer who allowed me and encouraged me to move forward. Corporate does not seem to think this is a big deal and have not in any way tried to make ammends. I feel very strongly wells fargo owes me all the money that I spent in this process because it was money that was wasted and money I did not need to spend nor did I have.

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 05-04-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX, I called Discover to talk with them about an open dispute I have. 
My intention was to provide them with new information relating to the dispute, and verify the claims of the party I filed the dispute against. 
In speaking with agents at Discover, I was transferred multiple times, asked to repeat my information far too many times, and refused assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband had a loan with Seterus, and was in the middle of making trial payments to have the loan modified when he passed away XX/XX/XXXX. I wanted to assume the loan, and completed all paperwork to send to Seterus. There was an issue that took several months to resolve, as Seterus wanted me to have the home go through the Probate process before they would review the assumption application. I explained that I already owned the home since I was on the deed, and should n't have to pay the expenses of Probate since I own the home. This took Seterus several months to review, and finally send me a letter that they agree the property does not need to go through Probate - that i must have been " misinformed '' by someone at Seterus. Once this issue was resolved, i had to resubmit many of the documents since they were considered " out of date '' by Seterus. I did as they asked, and they sent a letter dated XX/XX/XXXX that they had received all the documents from me they needed and were reviewing for the assumption and I should receive an approval or denial in about 30 days. We are just a few days short of it being 60 days now. I have been calling each week since the 30 day point to see where we stand - and each person I speak to says there are no notes that reflect it 's even being worked on. This situation has been " escalated '' in Seterus system twice in XX/XX/XXXX - without any forward movement to the " escalation ''. I received a letter via XXXX on XX/XX/XXXX that Seterus was " responding to our request '' and had assigned XXXX XXXX with " Consumer and Government Affairs '' to our case. The letter said to reach him with any questions, and gave his number. I have since called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I left voicemails each time, and have not received one return phone call or message. I called the general customer service line on XX/XX/XXXX and spoke w XXXX XXXX who reviewed all notes, and agreed that the review did not appear to be moving forward, and got her supervisor XXXX XXXX involved. I spoke with XXXX and she said she would contact the " Assumptions Department Manager '' that day, and have them call me that day. I never heard from anyone ( XXXX or Assumptions Manager ) .I asked XXXX for her direct line and called her on it on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - and left voicemails each time stating I had never heard from the Assumptions Department Manager - and I still have not received one return phone call or message from XXXX . I called the general customer service line today, XX/XX/XXXX and was advised there are still no notes or evidence that the review is moving forward. I want this process completed so that I can move forward with my life, and I 'm concerned that Seterus is taking so long, they 'll tell me my paperwork is out of date again.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Student loan (Non-federal student loan) with Genesis Lending (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX located XXXX XXXX, NJ. I took out a Federal Loan and a private loan. Money was demanded while I was attending school. The financial aid rep told me during the application process if I needed to make payment changes it 's simple and can be done. That was not the case. Neither XXXX XXXX nor Genesis Lending would help me. So I defaulted on my loan because I was n't able to pay the monthly amount, but I would send what I could. Not only that I did not get assistance in finding employment in the field I trained in. I received many annoying calls from XXXX XXXX fishing for information as far as what job am I working at and I can always go back to the school for assistance. I would tell the rep that I 'm not working in the field because you need 3yrs+ experience and I went back to my XXXX background temping until a permanent position came along. The rep stopped calling me as frequent because she was happy I had a job, but it was not in the field I trained. Every once in awhile I would receive a call because she wanted information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT 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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (TX).
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: Beginning early  XXXX  we worked with a company called  XXXX   XXXX   XXXX  to assist us in getting my credit in shape. They did a fantastic job and my  credit score went up dramatically. One issue we were una ble to resolve was false reporting from  XXXX   XXXX   XXXX  on behalf of The  XXXX  Apartments in  XXXX  Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in   XXXX   XXXX   XXXX   The second request for an itemized account of their reporting was   XXXX   XXXX  . The third request was sent   XXXX   XXXX   XXXX  . After  XXXX  attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help!      National Credit Systems  -   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  Phone (  XXXX  )  XXXX  Partial account number :  XXXX  Address Identification number :  XXXX  Original Creditor : THE  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (I do not know) with Credit Bureau Services Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2016 send a dispute to the Credit Reporting Agencies indicating that the account is not accurately reporting. 

Subsequently, on XXXX/XXXX/16 the Credit Reporting Agencies indicated that the collection agency verified to the credit reporting agency that the account was being reported accurately. 

On XXXX/XXXX/16 I faxed a letter to the collection agency to the attention of XXXX XXXX. The letter stated that i was not sure how they were able to verify accurate reporting and asked if they did in fact verify the reporting or if the credit reporting agency was at fault. 

On XXXX/XXXX/2016 I received a notice from the collection agency reiterating what was already reporting. HOWEVER, they did not answer my inquiry. I requested to know if they did in fact verify that the account was reporting accurately between XXXX/XXXX/16 and XXXX/XXXX/16. I can only assume that no validation of the debt exists. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Further, under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Prepaid card (Government benefit payment card) with PLS GROUP, INC (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: Re PLS prepaid card, and atm use. 

I used my card at ATM. Requested {$130.00}. I was ok with the {$4.00} charge ATM cost, and {$2.00} charge for ATM transactions with PLS debit card use. I accepted and pressed proceed, then, The ATM machine dispensed only {$80.00}, but proceeded to charge the {$4.00} and bank cost of {$2.00}. 

I called the XXXX XXXX, as I was told they own the machine, and was told since I do n't have an account she ca n't refund and to call my card bank. I called my card bank, PLS, and was told they ca n't do anything. 

I am being charged twice, for XXXX requested total. ATM should not charge you if they ca n't dispense the total amount. The card issuing bank should have a process to protect us consumers. I 'm stuck with paying about {$16.00}, to receive XXXX requested total of {$130.00}. My cost should 've remained the roughly {$8.00} not be surprised to roughly {$16.00} due to failure of an ATM. 

I want a refund of the PLS cost of {$2.00} plus {$4.00} ATM cost, just to do the additional transaction in order receive the difference in total I requested of up to {$130.00}. Why should I be stuck paying twice for my XXXX request?

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with  XXXX  and the company   XXXX    has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also experian i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved

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