milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I tried to set up an estate banking account at Wells Fargo bank. I was told by the Store Manager - XXXX XXXX - that I can not have that type of bank account, I need to set up a checking account linked to a savings account. I objected but she would not budge. Also, the Short Certificate ( I am the Executor ), had my married name, but the Will had my maiden name. Wells Fargo legal accepted the documents, but the Store Manager demanded that I bring in a copy of my marriage certificate or else she would close the account. I opened the account with XXXX checks - XXXX of which was a certified bank check from XXXX. She told me that it would take 8 days for the checks to clear. In addition, she looked into other unrelated accounts I had with Wells Fargo and suggested that I do something else with those accounts. I objected to her inspection, yet she continued on about that account and kept asking me to look at other banking arrangements for that account. I explained very clearly to her that I was there to set up a checking account only for the estate of my mother, but she did not listen. She took my checks and told me that the funds would be available 8 days later ; however I needed to provide to her a copy of my marriage cetificate ( she wanted it, not legal ) or else she would close the account. I waited five days and decided to close the account out today, but she refused to close the account and began to instruct me on how I should be doing my banking. I am very insulted by her lack of people skills ... her inspection into unrelated accounts ... her insulting my intelligence, especially at this most difficult time. Plus, when I went to close the account, she threatened to call law enforcement because I was becoming upset at her insulting nature. I am concerned that the money for the estate is being held up due to this person 's views on banking and the possibility that my concerns were dismissed because of my ethnicity.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have filed over  3  online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone  carrier  for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.

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 08-01-2015 about Debt collection (Payday loan) with Quick Click Loans, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Debt collection (Federal student loan) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a dispute to chase auto in regards to account number XXXX and XXXX XXXX XXXX XXXX and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let chase auto send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by chase and there was a 30 late inXX/XX/XXXXfor non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency isXX/XX/XXXXXX/XX/XXXXthey also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. This account should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America broke the rules. 
When Bank of America represented to me and bona fide purchasers the subject property is vacant and abandoned, Bank of America, the Trustee, the Trustee Attorney, the servicer, and third party representatives intentionally made false statements during loss mitigation processes including, but not limited to, the modification and foreclosure processes. These knowingly false statements and representations on a mortgage, Deed of Trust, or real property were designed to mislead and deceive in an effort to solicit or gain a desired outcome, action or inaction, or result and are in violation of the California Business and Professions Code. 
I have never abandoned or vacated the subject property and remain in possession, control and occupancy of the subject property to date. 
The XXXX Requirements are as previously stated and are to include the following : Anytime during loss mitigation processes when either party believes Dual Tracking has occurred or may occur, any foreclosure process can only be brought as a judicial foreclosure and no non-judicial foreclosure may be had. 
All previously mentioned resolutions are desired and mandatory.

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 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Trouble during payment process

Complaint: I contacted Chase on XX/XX/XXXX after receiving a XXXX for tax year XXXX for a principle forgiveness. I spoke to XXXX XXXX to inquire as to why I was receiving another XXXX in XX/XX/XXXX when I had already filed my taxes in XXXX. Also, I was responsible for claiming the full {$24000.00} but the deferment is in increments of {$8100.00} for a total of three years. I stated I 'd only received one deferment so why did n't the XXXX reflect the amount allocated to me. I was transferred to XXXX in the mortgage department who transferred me to XXXX XXXX in Servicing Escalation department at XXXX XXXX. I was transferred at XXXX XXXX to Default Modification Escalation Department  where a case # XXXX was created to address my concern. I was advised I would receive a call back in 48 hours to no avail. I contact Chase on XX/XX/XXXX at XXXX XXXX and spoke to XXXX Escalation Supervisor regarding the case for my XXXX, if it would be changed to reflect the correct amount, or if they 'll take the full amount off the principle immediately. I informed her my next anniversary is in XX/XX/XXXX for the second payment to be applied to the principle. She denoted she was waiting on a follow-up request from the back end department and some one would call me back. I received a call back from XXXX XXXX from the escalation department at XXXX XXXX. He opened up another case XXXX with the back end department and they were the ones to send over discharge information to the IRS but will see how they wish to proceed. I 'd receive a call in 7-10 days. I contacted Chase on  XX/XX/XXXX at XXXX because I had not received a response and spoke to XXXX in the escalation department. She read XXXX notes which stated that the IRS request the full discharge amount to be applied during the year the modification was initiated. I expressed my dissatisfaction with the explanation because I 've filed taxes for the full amount and could possibly default but have n't and they 've sent the information to the IRS. It does n't make sense. Will I receive another XXXX for XX/XX/XXXX  & XX/XX/XXXX? Will the amounts be at XXXX is the question I proposed to XXXX? I was suppose to receive a call back by XX/XX/XXXX with a response and have not received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an inquiries with XXXX XXXX Dealer from 2015 on Equifax credit report that I never applied for, I already fill up the Identity Thief Affidavit and send to all XXXX credits bureaus. I request this information to be update.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nationwide debt management solutions has been repeatedly calling my job several times a day sometimes not identifying themselves. They have also contacted my brother also not identifying themselves, he said that they were rude and threatened him. I have contacted them once and told them I do not owe the debt they claim I owe and they still repeatedly call my job several times a day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XXXX XXXX I attempted to withdraw {$9000.00} U.S. from my CoinBase account to deposit to my bank account. There seemed to be issues with the CoinBase website. ( As usual. ) I had a problem getting a confirmation so I attempted the transaction a total of three times. On the third attempt it seemed to go through. I then received a confirmation that my funds would be deposited into my bank account on XXXX XXXX. Today is XXXX XXXX and my funds have yet to be deposited into my bank account and they no longer show as existing in my CoinBase account either. I received notice that my first two attempts had been canceled but that my third attempt was confirmed. My account on CoinBase shows my {$9000.00} transaction to be " PENDING '' to this day. However, on XXXX XXXX I attempted to withdraw {$1000.00} U.S. to my bank account from Coinbase and those funds were deposited and available within two days. **This proves without a doubt that there is no issue with my bank, my routing or my bank account. ** I have spoken with my bank and they have NOT received any attempt at a transaction on or since XXXX XXXX for a {$9000.00} transaction. ( Only the XXXX XXXX transaction for {$1000.00}. ) I have contacted CoinBase by submitting a support ticket and I have called their phone support. All they will tell me is that my case has been " escalated '' but that I should not submit another support ticket, email them or call them again because that puts me at the end of the resolution line. ( And apparently that line is long! ) What a great way to scam people and withhold their money by telling them if they inquire as to where there money is that they will have to wait longer to get their money!! They also sent me a link to my support ticket that does not exist! It only goes to their standard support ticket page but does not show any relevant information concerning my actual case. If they ca n't provide accurate and timely transactions or resolutions then they do n't need to be allowed the responsibility of people 's money!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. 


I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. 

I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. 

Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was away on a birthday trip to XXXX with family and lost my coin purse that held my debit card and my I.D card. Reported it lost when i got back home to Maryland a day later and closed the card down. Bank of America was supposed to send out a new debit card and in the mean time i went into the branch to withdrawal some cash and on the receipt was a huge balance of XXXX i assumed it was some sort of mistake and assumed it would be fixed immediately. Days later i called the banking center and found out about the fraud on my account and i closed my account out. I informed them of me losing my coin purse again and did a full investigation only for Bank Of America to find me at fault. How could i know me losing my card would result in this mess. I have since NOT been able to open any kind of accounts because of this mishap.

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 08/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I copy of inaccurate information relating to my criminal background was sent to a prospective employer on XXXX. The inaccurate information states that I was convicted on a XXXX XXXX XXXX on XXXX with a sentence of 60 hours of community service. The information is inaccurate because I was never charged in this case as the case was fully dismissed. I checked with the XXXX County Superior Court of XXXX and verified that the information presented on their end reflects just as I said, the case was dismissed & I was never charged.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was notified by   XXXX   that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX  and 60 days late in  XX/XX/XXXX . My full mortgage payment was made in  XX/XX/XXXX , then a partial payment of {$1000.00} in  XX/XX/XXXX , then the full amount owed in  XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX   {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00}  XX/XX/XXXX  {$6000.00}  XX/XX/XXXX  {$2600.00}  XX/XX/XXXX  {$2300.00}  XX/XX/XXXX   {$2300.00} I understand th at they may report that I was 30 days late in  XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below  : XX/XX/XXXX  - Called   NationStar - A co mplaint was filed with the  Research Dept by NationStar, loan payment history received from   XXXX   XXXX   ( Customer Service Admin   Support ) at  Nationstar  XX/XX/XXXX  - F ollowup email to  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar w ith my payment history from the bank - No response   XX/XX/XXXX  - F ollowup email sent to  Research Dept a nd  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd  XXXX   XXXX   ( Customer Service Admin Support ) at Nationstar requesting status update - No response

Company response to consumer: Closed with explanation