milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: From XX/XX/XXXX to XX/XX/XXXXI was unemployed and collecting unemployment benefits from NYS. During this time, my loans with XXXX  were supposed to be in deferment. Due to an error on XXXX XXXX part, these loans were never placed in deferment and were instead placed in collections. As a federal student loan borrower, I was entitled to deferment or forbearance during my period of unemployment. Therefore, my credit reports do not currently accurately reflect previous payment statuses.

XXXX  representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

I expect my late payments and negative remarks to be removed from all CRAs within 14 days. I intend on disputing the processing of my deferment if need be.

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 02-07-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I sold a property located at XXXX XXXX XXXX, XXXX, TN XXXX. The closing occurred on XXXX XXXX, XXXX. 

A mortgage on the property was held by Carrington Mortgage Services , LLC . Their pay-off statement ( copy of which is attached ) indicated that the current total unpaid principal balance of the loan was {$57000.00} and interest payable of {$410.00}, with a total amount to pay the loan in full of XXXX ( XXXX + XXXX = XXXX ). That is the amount that was paid to Carrington Mortgage at closing ( See attached closing disclosure ). 

After closing it was discovered that the interest due to Carrington Mortgage at closing should have been about {$210.00} and not {$410.00}. So I had been overcharged by about {$200.00}. 

On XXXX XXXX, XXXX I contacted Carrington Mortgage and spoke with a service representative, who said that a senior service representative would have to call me back to discuss the situation. As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage thus I called them back. I spoke with a service representative by the name of XXXX. I Discussed the interest situation with him and he agreed that I should have been charged {$210.00} and he could not figure out why they had charged me {$410.00} instead. He said that I needed to talk to a supervisor. He said that no supervisor was available at the time and transferred me to a supervisor 's voice mail. I left a very detailed message as to the reason for my call and left both my home and cell phone numbers where he could call me back. 

As of XXXX XXXX, XXXX I had still not heard from Carrington Mortgage. I called again and spoke to someone by the name of XXXX. She also seemed puzzled as to why I was being charged {$410.00} instead of {$210.00}, however, she said she could not help me and that I needed to talk to a supervisor. I left a voice mail message for a supervisor by the name of XXXX XXXX. I explained the situation and asked him to call me back. 

As of today ( XXXX XXXX, XXXX ) I have still not heard from anybody at Carrington Mortgage. I Think it is pretty clear from the above that these so-called supervisors at Carrington Mortgage are totally ignoring my very reasonable request for a review of the situation I am describing. I am relying on the Consumer Financial Protection Bureau to help with this matter and I appreciate any assistance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I closed my account with AAdvantage Mastercard on XX/XX/XXXX. After closing my account, and paying the final balance, I set my email notifications from AAdvantage to my junk mail. In XX/XX/XXXX, I saw a bill in my junk mail from them for {$150.00}. I did n't know what it was for so I called them. They said after I closed my account they received another charge on the account for {$15.00} and processed it. Over the next few months that turned into {$150.00}. They said they 'd escalate it to remove the charges. They called me back XX/XX/XXXX, and told me I would have to pay the full amount. They said there was a loop hole in the law that allowed them to accept that charge. I was upset, but I did n't think there was anything I could do, so I payed the balance. I saw another email today with charges from AAdvantage after I canceled the card, and paid the closing balance twice. I want to make sure these guys do n't do this to anybody else. Although my first charge is unethical, as was communicated to me on the phone by their representative, it it within the law. This second charge is illegal. I do n't like when companies take advantage of consumers. This has taken a lot of my time and money to resolve. AAdvantage is acting illegally and is taking money in bad faith.

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 Debt collection (Other debt) with Financial Business and Consumer Solutions. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me.
I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my home to greentree servicing on XX/XX/XXXX due to loan modification process, loan process lingered for 12 months .I have filed XXXX complaints to my attorney general they were no help. I have had this mortgage for 18 years with XXXX year note. greentree deceived me through whole process. I have filed XXXX complaints with CFPB as of today I have had NO response from your XX/XX/XXXX. Regarding lawsuit. I was informed few days ago that ONLY mortgage from XX/XX/XXXX XX/XX/XXXX was quafied for settlement.!!!!! I have been harassed, decived, threaten, when I would fall behind. SO Why only a few have more rights to receive compensation than I?? This is unfair that our govt pick and chose. I have sent all my documents to your agency and would like an answer. I have lost my home with 2 years left to pay. 

Thank you XXXX 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 04/26/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a letter from my employer today stating that an order for wage garnishments has been processed for a defaulted student loan through ECMC. This was a great surprise because the last time I spoke with a representative from this company was on  XXXX / XXXX / 17  when I made a request to be communicated with in writing/by mail about a resolution for this matter. I have kept a record of letters I have sent and received in an attempt to get this debt validated and to request a payment plan if this debt belongs to  me. ECMC was not willing to work with me, the debt they claim is mine has not been fully validated and they have yet to provide me with a promissory note. I was not given proper notice that this process was even happening, yet   in one to two pay periods they are demanding that my first employer in almost two years garnish 15 % of my wages after only being employed for three months. I was never notified of the issuance of this order and the law requires a thirty day notice from what I read in a letter from my employer. Not only that but I was not given an opportunity to contest the withholdings, nor was I informed of my rights in regards to the wage garnishment process. I was not given a n opportunity to make any arrangements so that this order could be avoided.

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 07/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: We are not able to get credit report. Based on your credit data, says that is the wrong address. 

We have been informed that my social security have been stolen. Please email me my credit report so this document can be provided to the police and I could file an identity theft request. 

My name is XXXX and I have been living my entire life in XXXX, NY. Since my arrival to this country I never change states. Here are my mailing address since living in the US. 

XXXX XXXX XXXX NY XXXX -- -- XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Present XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Asset Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had paid this debt and challenged debt within requirements under law and no valid confirmation of the date was made and it was not removed from my credit reports!

Company response to consumer: Untimely response
Consumer complaint received 09-10-2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: Are banks allowed to post checks to a checking account before a deposit even if they both are posted on the same day? First Niagara Bank does this and I think that it is just a way to get the extra charges for themselves. Yesterday my Social Security check was posted and I has a availabe balance of XXXX after everything was taken out. When I looked at my account today they posted a check and charged me XXXX for it even though my balance was much higher than the XXXX check that was posted on the same day. This bank are a bunch of thieves. I live on Social Security and I 've had some times when I have overdrew and I know that it is my fault but to manipulate the numbers for their own gain is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent numerous certified to which I get verified back .... the debt collector can NOT validate this debt therefore how can it be reporte. The agency has not done their due diligence and provided me with any valid paperwork. I am uploading the letter sent from merchants credit saying THEY CAN NOT VALUDATE THIS DEBT

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 07/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agencies calls me throughout the day at my home and on my cell phone. I know that I owe Capital One and I am making every afford to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Step XXXX above did not provide a choice that covers my issue : Equifax used the " Inquiries that do not impact your credit rating '' from my credit report as " hard inquiries '' ( their term used when I questioned them over the phone ) when coming up with my credit score. Key factors listed as adversely affecting my credit score on a recent residential mortgage credit score notice included " too many inquiries last XXXX months ''. On my Equifax credit report, I have XXXX inquiries listed under " Inquiries that may impact your credit rating '' and there are XXXX inquiries listed under " Inquiries that do not impact your credit rating ''. I did not initiate any of those XXXX inquiries. I believe all of those XXXX inquiries to be marketing related. Equifax is not being truthful in the wording on its credit report. When I questioned this practice, instead of acknowledging that the wording on the credit report states that these XXXX inquiries should not impact my credit rating, they tried to sell me their monthly credit report privacy service at $ XXXX/month as the only way to resolve this type of thing from happening, or I was told I would have to contact each of the companies making the XXXX inquiries not to access my credit report. There is no way to dispute this with Equifax in its dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with Experian and XXXX getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.

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 05/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: After becoming more educated with my finances, I ran my credit report for the XXXX time for the purpose of reviewing the accounts back in XX/XX/XXXX. Upon reviewing the account I noticed there was a dependency on the names and address listed. My name is XXXX XXXX, XXXX of the names listed was XXXX XXXX XXXX. Aside from this, I also noticed a list of address linked to me that I never lived in. A XXXX account stood out because it showed the date of last payment was in XX/XX/XXXX and the account was opened in XX/XX/XXXX. This was scheduled to be removed from my credit report on XX/XX/XXXX, however, I decided to file a dispute with the credit burueas and the collection agency to validate the debt. I sent all letters via certified mail in XXXX. The response I got was in XXXX and not able to undertand what the letter said, I sent them a XXXX request. I received another letter from them in XXXX with no documentation showing the account was mine. So instead of investigating the claim, they changed the status of the account as a charge off. I sent all the letters to XXXXXXXX, and Equifax however, they again failed to validate the debts or remove them. No explanation has been given to me as to how this was determied or what was done to investigate the debt. I am 100 % I made no payment in XX/XX/XXXX nor is the account mine. The report stated the limit was {$200.00} yet the amount of the debt was {$500.00} I asked how that amount was even calculated but never got a response. Both The credit bureau and XXXX bank have failed to provide me with my right to validate debt. Instead, I received offensive stalling tactics by sending me letters in a language they assume I spoke. I ask that you please request further investigation from all XXXX credit bureaus. The XXXX account that is completely off is by a utility company called XXXX XXXX XXXX which is the collection agency for XXXX XXXX XXXX XXXX that was opened in XXXX/XXXX/XXXX. I sent them copies of my XXXX ID 's, to show I lived in the state XXXX and was attending XXXX college. It makes no sense how I could go open a utility account if I did not live in the state XXXX. After XXXX request nothing has been done to investigate these accounts. Please request a throrough invesigation, I XXXX these companies have caused me XXXX, I 've spent large amounts of money sending certified and expedited mail the last 2 months with no results. Thank XXXX XXXX, XXXX XXXXXXXX XXXX - XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I believe Chase is deliberately holding onto credit card payments in order to fraudulently charge late fees. On XX/XX/XXXX, I mailed my credit card payment which was due XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my credit card payment had not been received. I called XXXX and had funds transferred from my checking account. On XX/XX/XXXX, I called to have the late fee reversed. Miraculously, they found the previously-written check on the very night I called ( sometime in the hours between the late afternoon of XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX. I do n't believe in coincidences. I think they know I would have verified that my check had cleared and thus they had to apply it to my account ... or go through an auditing procedure to find out exactly where they put that money. I think they are doing it to collect late fee payments even when payments are made well within the deadline. I closed the account. This is the second time it has happened with Chase within two years. It has never happened with any other bank or credit union, and I have held credit card accounts since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief