milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NJ).
Issue: Making/receiving payments, sending money

Complaint: My father XXXX XXXX XXXX died on XXXX XXXX 2015. I have attached a death certificate. He died at XXXX years of age. My sister and I live in different locations ; we are not in XXXX New York. It was only going through his papers that we discovered that checks had been forged out of his checkbook by XXXX XXXX XXXX, who was a tenant of my father 's. Following that discovery, I went to visit XXXX XXXX on XXXX XXXX to discuss the forgery ; XXXX works at First Niagara Bank. XXXX asked me if a Forgery report had been filed, I said not to my knowledge. He called the Fraud Department of First Niagara and they said nothing could be done, given that a report had not been filed. My sister then found a copy of the filed report and we sent that on to XXXX on XXXX XXXX, 2015. Again, I emphasize that First Niagara Bank never indicated that report had been filed prior to my father 's death. 
XXXX XXXX later requested a copy of the Police Report which we did send to him on XXXX XXXX. XXXX asked me what the XXXX Police Department and DA had decided ; I shared that given his death, they had decided it would be impossible to prosecute but that is entirely separate and unrelated matter to the bank 's investigation. Numerous phone calls to XXXX were unreturned. Numerous emails were ignored. 
Finally, in late XXXX, First Niagara determined that they had no liability for the numerous bad checks that were cashed. In total XXXX forged checks were cashed. My father did not have on-line banking and discovered the fraud in XXXX. 
-I attach his Death Certificate-The Affidavit Filed by XXXX XXXX XXXX-The Police Report-The letter from First Niagara with the " amount of time '' as a reason for not reimbursing. 
Frankly, I am disgusted that a XXXX Bank would not disclose the existence of an Affidavit at our meeting in XXXX. I am further disgusted that when all requests for information were met, and in the circumstance of a death, that First Niagara took this tack. To use an excuse that the DA would not prosecute a case when the injured party has died, is nonsensical. First Niagara staff has not been timely, responsive or honest in their dealings with me and my sister. They obviously hoped we would not find paperwork that had been filed so that they could use that as a reason. 

Thank you for your time. My contact details are ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. My cell phone is XXXX XXXX XXXX. My home email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: I 've been with Wells Fargo XXXX XXXX California since its 2010. There 's always been issues with my account money missing. I spoke to somebody and they had excuses for different type of fees that I did n't understand. Now it makes sense I am outraged and disappointed have a good take advantage of a single mother of XXXX kids my daughter overcoming XXXX and I 'm on a strict budget.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been paying my loans on time for 5 years. This year only, AES began raising my minimum payments every month. They have raised my interest rates several times in the past 12 months causing my payment to increase significantly. Every month, they change either the loan repayment terms or increase the interest rate. It is getting to the point where I can not keep up with these payments. I have already started working a XXXX job to afford the {$420.00} loan payment that has increased up to {$440.00}. I have student loan accounts with XXXX other places. Those loan amounts are steadily decreasing, even the privately owned student loan debt. The loan debt owed to AES has been increasing significantly. I now owe significantly more than what I started with despite paying over the minimum. I do n't understand how this can work.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Bank account or service (Other bank product/service) with BB&T CORPORATION (CO).
Issue: Using a debit or ATM card

Complaint: My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. 
Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent several disputes to transunion for the following credit inquires on my credit report that were not authorized by myself as well as dispute letters and a police report for identity theft. I never hear back from transunion in a timely manner. I have already filed a dispute with you guys on behalf of transunion and still the issue is not resolved. I am listing the inquires that I did not authorize below thank you Inquiry Source Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 09/16/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX  on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with ROYAL UNITED MORTGAGE LLC (IN).
Issue: Loan modification,collection,foreclosure

Complaint: My credit report show different addesses and names on it that did not belong to me. If was sent to me through Royal Untied Mortgage, LLC. For a XXXX XXXX XXXX Mortgage loan. Was suppose to close on loan around begining of XXXX. What do I do Next?

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Problems when you are unable to pay

Complaint: this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Debt collection (I do not know) with Red Cedar Associates LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
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: On XXXX XXXX, 2016, I ate at a restaurant in XXXX XXXX called XXXX XXXX and became seriously ill because they apparently do n't clean the fish they serve there. I emailed them and complained and disputed the charge on my Citibank XXXX XXXX card because I did n't think I should have to pay for a meal that made me sick and sent me to an emergency room. Citibank contacted them and they said I never complained to them which was a lie and Citibank sustained the charge without investigating I have since filed complaints with the Better Business Bureau, and the XXXX XXXX Consumer and Business Affairs. BOA ignored all of their correspondence so I was found to be correct in my claim. I went back to Citibank, the Office of the President through someone named XXXX XXXX. He arranged or asked me to call a man named XXXX XXXX at the restaurant for my refund. The man never called me back and never replied to my email. Copies of a years worth of correspondence are being attached here. XXXX XXXX old me that " It 's hard for them to investigate with restaurants '' but I know that Citibank never investigated this at all.

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 02/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (KS).
Issue: Taking out the loan or lease

Complaint: I had been involved with a Wells Fargo Bogus Loan.The only way I knew about this was when it popped up on my credit report.I had banked @ Wells Fargo For years { off and on } Around XX/XX/XXXX-XX/XX/XXXX-Or so, { cant pinpoint the date, due to all information was on an old computer } Any way, The Bank had an outstanding loan out on me that i was not aware of, I had a loan a few years before, However it was paid and satisfied.I spoke with the company { wells } XXXX branch, About the loan that was not mine.They would not budge on assisting me in resolving the issue.My credit is what suffered! I had finally contacted the Federal Trade Commission about the bogus loan or mistaken identity loan out in my name.As far as i know, this was never resolved? Now fast forwarding to the issues with said bank practices ... I have to wonder if i was a victim of this fraudulent practice as well.And i have no idea on how to move forward with resolving this issue on my credit report.During this fiasco..I had several XXXX in my account.More than 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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.

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 08-01-2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX XXXX XXXX of XXXX, Virginia attempted to confiscate my Federal Student loans which were twice the amount that was owed originally. The account doubled in two to three months. This was in XX/XX/XXXX. They won a judgement against me in XX/XX/XXXX by misinforming me why my account originally went to collections. This led to them drawing from my checking account for roughly the amount I told them I would be receiving in financial aid and right when I told them I would begin to receive it. XXXX also set up a date for a settlement that I did not agree to, then sent me a letter saying I missed the payment followed by filling for a judgement. I have n't had any communication from them in three years.When I went to refinance my house in XX/XX/XXXX, they showed up and say that I owe them XXXX XXXX dollars in interest on a loan that was roughly XXXX dollars. Through garnishments, they have collected nearly 11 thousand dollars. The garnishments stopped in XX/XX/XXXX. The damage caused by this company has endured for close to a decade creating health issues and financial hardships. Not to mention physical damage to my house while they were garnishing my wages in the middle of winter and the heat went out. XXXX refuses to negotiate a reasonable settlement and keeps demanding paperwork that no longer exists for my home refinance that is no longer going to happen. It took 3 years for them to provide paperwork related to the account as to why it went to collections. Upon review of the details, it showed that I was charged for a month when I did not have a payment due because of a promotion through the creditor. I pointed this out to XXXX XXXX XXXX and they refused to do anything about it with the exception of one representative that looked into the notes and acknowledged that I was under the promotion when I was charged a payment. They continue to do nothing about it. All I seem to get from them is " Shut up, pay us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

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 12-09-2016 about Debt collection (I do not know) with Perfection Collection (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i check my credit report because i needed a good and well somehow the company that " claim '' i " owe '' certain amount is showing on my credit i proceed to dispute the account since I do n't have any clues as to how or why I 'm been ding on my credit. the response i get from the credit bureau ( XXXX ) is that the report will remain. i certainly do n't agree with that due the lack of authenticity from the company that is making the claim. I 'm not willing to pay for something I did not ask for there is not way i have this company in my archives as part of my monthly billings not now not in the past. I need and want this company to stop fraudulently claiming is me or assuming is me when is not. This need to stop and my credit restore they think that they can intimidate us but I believe in the system. i believed they are in violation of many FCRA rules but since is really hard to know all the rules with out an attorney this is the reason I 'm recurring to my closest resources. I even think the FTC my have some say on this. but i will refer to the correct channel whichever is recommended.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an auto loan with XXXX XXXX XXXX. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with XXXX and they now state that did n't happen when I call in.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: APR or interest rate

Complaint: Can the bank charge you the new interest rate on an old charge that was subject to the old rate?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation