milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I refinanced a home of 7 years under a HARP program with Wells Fargo. 
During the life of my old mortgage, with Wells Fargo, I had never been late once with a payment. At the time of securing the loan, I was assured that my PMI ins. would not be " reset '' as I had only about {$20000.00} more of principle left to pay and then the PMI ins could be stopped. After, I found out that my property had been revalued lower and my PMI restarted. I now have about {$40000.00} left of principle before PMI ins can be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Medical) with KeyBridge Medical Revenue Management (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I NEED TO KNOW IF THERE ARE NEW FEDERAL LAWS THAT STATE SOMETHING TO THE EFFECT OF HOW LONG A PAID MEDICAL COLLECTION CAN STAY ON YOUR CREDIT REPORT AND WHAT STEPS I CAN TAKE TO REMOVE THIS FROM MY CREDIT REPORT?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account # XXXX I started disputing in XXXX with XXXX and TransUnion concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.

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 04-11-2017 about Student loan (Non-federal student loan) with SECURITY CREDIT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, 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 03-08-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed. 
I moved to this address not 4 months ago and have never had XXXX here or anywhere. 
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX. 
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.

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 10/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Using a debit or ATM card

Complaint: Ordered a tent and equipment rental from XXXX for an event XX/XX/2016 in XXXX, Wisconsin and paid with my WellsFargo debit card. XXXX was not able to complete the job appropriately as their weight system did not fit into the required XXXX space allotted at the show .The tent they installed also had rips in it. The tent also was installed incorrectly and had tears in it. I requested that XXXX return to the site to fix the problem. They stated that they could not fix the weight issue as it was a liability so they could not fix to fit in with my allotted space. ( see texts and photos from event essentails ) They stated - too bad, that they would just pickup the equipment. 
I filed a dispute with Wells Fargo including photos and copies of all communication. Wells Fargo issued me a provisional credit then did n't do anything and reversed the credit last week. I have requested for them to reopen the claim and find in my favor but they have n't responded

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have received MANY credit card offers over the years from  US BAN K and never accepted them. In  XXXX  of   XXXX  , I got an offer for our business with a cash back bonus o f $ 500.if you s pend {$4500.00}. within the first 150 days. I applied and got accepted. By the time I got my  XXXX  statement, I had already spent {$4900.00}. At the beginning of  XXXX , I called because I had not seen my bonus yet. The person I spoke to  at US  BANK looked over my account and did n't understand why I did n't get it either and she said she will send my complaint t o one of their  departments and have someone get back to me.   Today (  XXXX   XXXX ,   XXXX   ) I received a letter in the mail stating that I do n't qualify for the cash back bonus because the charges needed to be done by the Authorized Officer only and not by any Authorized Employees.. I got out ALL of my paperwork and the original offer they sent and I do not see anywhere in this paperwork where it says that I had to make all the purchases. I have had and used numerous offers over the years with different banks and this is the FIRST time that I have ever had something like this happen. To me, this is FRAUDULENT advertising and it does n't look like there is anything I can do about 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 05/14/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: i already submit a complaint description, the complain ID are XXXX in this second complaint description, i try attached more image evidence to helping your investigations easier. 

" on XXXX 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my account, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. I immediately check my bank account, then the bank said the check ca n't be verified. I ca n't believe the XXXX XXXX chase bank made this kind of mistakes. 

First, the bank shows my check has been deposited successfully, no any warning messages have been sent to my email or message. 

Second, after i sending out the money by XXXX, then the Chase deny the check that was successfully deposited. 

third. if Chase can carefully verified the fake check in the first place, then I wo n't believed them and sending the money 2 times first time : XXXX $ second time : XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't.  After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the Equifax security breach, I placed a freeze on my credit report on XXXX XXXX 2017. I then realized I need to run my report, so I called back to lift the freeze, & discovered I need to pay {$5.00} to take this action. 
I reluctantly paid as, I needed to run my report, but I am extremely angered about this fee since 1st off it is due to lack of secure diligence by Equifax that I have to place the freeze to begin with! And I foresee Equifax taking advantage & making profits off many by their failure! 
1 Example : I am a XXXX XXXX XXXX who maintains licenses in several states. As part of my annual license renewal, the licensing auth. needs to run my credit report. My complaint is - It should NOT be allowed that Equifax can profit over their 'immense ' lack of security protocol issue & charge consumers {$5.00} each time the lift a freeze. Their lack of security is bad enough for an institution that is holding such delicate private information, let alone not holding them responsible to correct & protect the situation. 

I also have a client that is currently held up to enter a Purchase contract of sale, because Equifax will not lift the freeze off her account via the website or call, but she has to send delicate private info to them via regular mail to their office, ( thus putting herself more openly accessed to fraud ), for Equifax to lift her freeze. On top, through her communications with Equifax, no one is able to explain 'why ' she has to mail in her info & no one will confirm how long this process will take. 
These are MAJOR FLAWS. 
2 Credit Bureaus suffice. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I lost our jobs in XXXX, 2011 when our company 's contract was not renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OH).
Issue: Taking out the loan or lease

Complaint: I recently attempted to purchase an item on eBay. I tried to pay for the item using my PayPal Smart Connect which had a credit line much higher than what I was purchasing. PayPal would not allow me to pay because as I discovered in a later phone conversation with PayPal, the seller was not set up to accept PayPal Smart Connect. 

In discussions with both eBay and PayPal I was told they could not identify which sellers accept PayPal Smart Connect. In other words a buyer can not find this out until they are at the checkout and have already won the auction. The sellers also appear unable to tell if they can accept PayPal Smart Connect. ( I 've personally surveyed over XXXX so far ). 

I supposedly have a credit line of over {$1700.00} which PayPal supposedly wants me to use. What good is a credit line if I ca n't use it? I feel this at the least an unfair way of denying me a loan or deceptive practice and at worst fraudulent. None of PayPal 's Credit representatives could give me a straight answer and eBay ca n't help either. Meanwhile I 've been humiliated and a seller will needlessly have to re-list the item.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This Citibank loan was paid in full and still showing a balance of {$1300.00} in 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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Regularly, I receive solicitations from Wells Fargo that I neither want, nor need. I have closed every account with the institution and still get mail on a regular basis. I would like my information removed from the privacy systems for all lines of business with the company. I no longer want to receive any information about checking or savings accounts, credit cards, mortgage loans or other products.

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 03/25/2015 about Debt collection (Credit card) with GRYPHON CORP. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I bought a bed ( mattress & box spring & mattress pad protector included ) from XXXX JC Pennys last Wednesday the XXXX of XXXX 2017. I spent about {$500.00} for it but however I have yet to receive it. I keep getting the " runaround '' from JC 's. 
First they told me I would receive it on the XXXX? then again the next day the store told me i 'll get it. I am fed up with it 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 non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Schachter Portnoy, L.L.C. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom it may concern, In the spring of XXXX, while I was still in school, two of my student loans went into delinquency. In early XXXX those loans went into default. At that time the law office of Schachter Portnoy , L.L.C . began collection on the loans. We agreed upon an amount and I have been paying it ever since. I was writing to see if I could get this delinquency or negative mark off of my credit report. It has affected my life ever since and now I am trying to buy a house and it is making this difficult. I have kept current on everything else in my life and this is the only blemish on my credit report. After speaking with a loan XXXX and explaining my situation he also said the way this appears on my credit report doesnt seem quite right. At the very least I would like the status of this to be changed. I have tried to contact Schachter Portnoy and they told me the only thing that could change the current situation was to pay to amount in total and I dont have that kind of money. I do not want this derogatory mark on my credit report for the next 10 years. I have included documents from Schachter Portnoy L.L.C regarding the default and my current standing as well as bank statements showing my payments. Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Convenience checks

Complaint: I had XXXX balance transfers, both with a 0 % promotional balance on my Bank of America : XXXX XXXX XXXX credit card. 
0 % balance transfer 1 - Transaction date : XXXX/XXXX/XXXX for {$2000.00} with a 3 % fee. Promotion expired XXXX/XXXX/XXXX. 
0 % balance transfer 2 - Transaction date : XXXX/XXXX/XXXX for {$1400.00} with a 3 % fee. Promotion expires XXXX/XXXX/XXXX. 
I had made minimum monthly payments to this card. On XXXX/XXXX/XXXX I made a full payment for the {$2000.00} balance + 3 % fee ( {$60.00} ). As of my account statement ending on XXXX/XXXX/XXXX, instead of continuing my 0 % balance transfer ending on XXXX/XXXX/XXXX, I was charged an interest on {$950.00} of " outstanding balance. '' Bank of America refuses to refund the interest and states that all principal must be made to avoid further interest costs - they are blaming me for not paying the full amount even though the balance transfer promotion does not end until XXXX/XXXX/XXXX. I called in multiple times before the promotion expiring to ensure I would not be charged the interest cost. I 've attached my account statements and a document I requested from BOA in regards to how payments will be allocated to my Bank of America : XXXX credit card. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Money transfers (International money transfer) with CITIBANK, N.A. (IL).
Issue: Wrong amount charged or received

Complaint: Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault.

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