milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Using a debit or ATM card

Complaint: XXXX XXXX, 2017 I contacted Bank of America regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted BOA approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called BOA for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on BOA behalf.

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 09-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Portfolio Recovery continues to call my cell phone multiple times a day from different numbers. The only thing I have on my credit report is something from 5-6 years ago which is beyond the statute of limitation in Texas. They have done this to me XXXX in the past year and even had me served. They made me so scared and nervous that I ended up breaking down and paying what they asked for ( XXXX ). Portfolio Recovery even took a 5 year old debt, sued me for it and then re-reported it on my credit report as a new debt. Can they do this? This company is relentless and will not stop. Even this morning the calls have begun and will not stop. This is harassment and against the law. They should be allowed to harass people and collect debts that are so old. 
Can someone please assist and help? I can not afford a credit attorney. I 'm being threatened by Portfolio Recovery they will sue me again and harassed by threatening phone calls. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called numerous times, and sent a letter to XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XX/XX/XXXX to each institution, I received a response letter from the XXXX of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past XXXX years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I was unable to make a payment online like I was able to a month ago in XXXX. This month it would not allow me to do so and insisted I include late fees or I would not be able to make the payment. I feel as if I am being discriminated against by this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I receive up to XXXX calls a day, some past XXXX from synchrony bank ... It is nerve wrecking

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: I contacted PNC Bank which was my current mortgage holder in order to refinance my 1st mortgage loan. I was obviously interested in a lower rate and what it would cost me to to do this in order to be beneficial. I was told the total fees for this transaction would be {$720.00} that would include the appraisal fee, credit check and then I would be receiving a credit for this particular product that would make my total costs out of pocket the {$720.00}. There was never any mention of a {$800.00} loan origination fee that later appeared in the documents they sent out and I just assumed that since the loan officer told me this was only going to cost me {$720.00} I figured the credits were going to wipe this out. This never occurred and I ended up having to pay the {$800.00} that I was never told about even after questioning it before the closing. All they said was that it was in the initial paperwork you signed. I do acknowledge that it was in the paperwork but I was also told that this loan would cost me {$720.00}, not {$1500.00}. The company repeatedly tells you every time they communicate with you that the call is being recorded but when I inquired about my complaint and what I was told they never seemed to go back and listen to the calls to verify what I was told and just reminded me that I signed the papers that included the fee. I feel that this was misleading and they should disclose all fees to the customer that stay in their pocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX has compromised my security & information, putting me and 209,000 other people at risk by allowing access to important information. It happened around mid-XX/XX/XXXX to XX/XX/XXXX. 

I am listed as a potential victim on XXXX. 

I would like a resolution.

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 10-03-2015 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. 

I sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. 

However, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.

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 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial well being by still reporting an open balance which is affecting any ability to acquire financing.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been trying to get support from Citi bank for 7 months now on a charge for services not rendered I scheduled a move and paid {$750.00} deposit to insure a quote for the move in XX/XX/2015  # days before the move I got a call saying the price changed to quote of {$1900.00} to {$3600.00}.. The owner said he would move my things for the original price but would not move all of my things. He reduced the items about 1/2. 

Of coarse I canceled the move as I needed all of my things moved. 

I can not get a refund from the company and my credit card company take the charge on and off periodically for the past 7 months without paying attention to my situation, I have spoke to customer service serval times over the last 7 months and have got nowhere.

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 05-10-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Regions Bank failed to honor the terms and conditions of a recent sign up bonus for a checking account. According to the offer promotional code  (  XXXX  ) , by   XX/XX/XXXX ,  I was required to open any new  LifeGreen Checking u sing the promo code. In exchange, I would receive a bonus of {$400.00} when I completed the following : Make 10 purchases with a  Regions  Visa C heckcard   (  must post within 60 days of account opening ) Enroll in Online Statements through Online Banking ( within 60 days of account opening ) Moreover, the terms of the offer stated : The offer is available only to the person who has registered and is non-transferable. ( this is the same language in the previous offer, which was not targeted, so theres no reason to believe this is targeted ).   {$400.00} bonus offer may not be combined with any other offer, does not apply if you have or had a Regions checking account on or afte r  XX/XX/XXXX , o nly applies to personal  LifeGreen checking acc ounts To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued.   All  LifeGreen checking acc ounts require a {$50.00} minimum opening deposit.   The only checking account with a n APY is LifeGreen Preferred. No interest is paid on other LifeGreen checking ac counts.   For accounts opened in Iowa, certain account fees are subject to Iow a State Tax of 6  %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient.   Regions associates are not eligible.     I opened my account on   XX/XX/XXXX ,  and I completed all terms and conditions that I could. However, Regions Bank never sent my debit card to my registered address which prohibited me from completing t he 10 tra nsactions requirement. Regions states they sent the card, but I repeatedly told them I did not receive the debit card. I was repeatedly assured it would come. My address is valid and I regularly receive mail at the address.     Eventually at my own suggestion I requested Regions Bank send the card to a local branch so I could pick it up. I did, but wanted to confirm I could still complete the offer. I was told no, that the time had passed.     I requested the time frame be reset so i could complete the promotional terms. I was told no.     I was unable to complete the promotion due to Regions ' failing to ensure receipt of the debit card. My incessant requests for the debit card shows I intended to complete the terms and conditions. The fault is the Regions Bank, not mine.

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 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My Equifax Credit report under ( Inquiries that may impact your credit rating ) shows XXXX making an inquiry on my credit report. I do not have an account with XXXX nor did I give XXXX permission to access my credit report. I contacted XXXX and spoke with XXXX XXXX, I spent nearly an hour on the phone while she investigated why the credit report was ran. XXXX 's end result concluded they have no account for me and no record of a credit report being ran. They suggested I contact the credit reporting bureau. I contacted Equifax Credit Bureau and spoke to a supervisor XXXX XXXX. I explained that XXXX made a credit inquire but has no record of doing it. I asked to have the inquire disputed and he said he can not issue a dispute on his end ; XXXX must send the dispute. I explained to him that XXXX has nothing. He said that 's a problem and suggested I file a police report and then they can take it off. I told him I thought if I dispute something on my credit report the credit agency sends the reporting company " XXXX '' proof of reporting, and if the reporting company fails to send proof then the credit reporting agency must take off the impacting credit remarks. He said he was sorry and there is nothing they can do. 
Questions : So now how do I get this off my credit report? 
Is this a rogue XXXX employee viewing credit reports using XXXX 's reporting account? 
Is XXXX 's computer systems compromised allowing a hacker to use XXXX reporting services? 
Is this the beginning of an identity scam using XXXX as a front? 
Do I need to file a police report to get this off my credit. 
Who actually reviewed my credit report if XXXX says they do n't have any record of a credit report ran but Equifax says XXXX ran the report ; who 's responsible here? 
Facts : Equifax is refusing to verify who viewed my credit report, they simply say it was XXXX. 
Equifax will not dispute the inquiry because XXXX must first acknowledge the reporting error and send it to Equifax. 
Equifax contact : XXXX XXXX supervisor ID XXXX XXXX or XXXX XXXX has no record or knowledge of ever running a credit report. 
XXXX contact : XXXX XXXX XXXX XXXX result, I have no confirmation of whom ran/viewed my credit report and the results of the inquiry may impact my credit score with no recourse other than to file this complaint. Please help and thank you for your time. 
XXXX supporting documentation excerpt from my credit report : Inquiries that may impact your credit rating XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX XXXX/XXXX/16 Creditor Contact Information XXXX XXXX Public Sq XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In the dispute linked to this NEW action item, Equifax stated the following : '' Explanation of closure - Equifax has reviewed the complaint and its records. XXXX account number **************** and XXXX account number XXXX has been updated. The disputed XXXX account numbers XXXX and XXXX are currently not reporting on the Equifax credit file. Written confirmation was mailed on XXXX/XXXX/15. " The DISPUTED account numbers they claim do not exist, even with the screen shots of their product, were never responded to. 

These Accounts - as evidenced by the original attachment in the original dispute, and then a new attachment specific to these accounts ( Equifax XXXX 's ) - are attached. These screen shots are from my report, in XXXX 's product. 

Once again Eq -1. Please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Money transfers (International money transfer) with First Data Corporation ().
Issue: Money was not available when promised

Complaint: i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.

Company response to consumer: Untimely response
Consumer complaint received 01-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is listed as an adverse account placed for collection. It states joint, open account but paid in full. I am single and this date is over 5 years ago and I was single then too. It states updated 2015? I do not have an account with them and never had any joint accounts? It states paid in full but has not been removed? Please have this removed. It is Transunion and the adverse account is 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 10-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with I.C. System, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment 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 02-06-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Last month I filed a complaint against Caliber Home Loans regarding my payment for XXXX. My payment was finally processed but now they have not credited my account for my XXXX payments for my Principle, Interest, Escrow and addition principle I have paid. They processed my XXXX payment and those amounts are showing on my online account but all of XXXX is missing. I have attached paperwork with what is showing as of XXXX/XXXX/2017 and what the totals should actual be. I want this resolved ASAP! I have sent numerous emails and all have gone ignored.

Company response to consumer: Closed with explanation