milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (ME).
Issue: Account opening, closing, or management

Complaint: My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit reporting () with EQUIFAX, INC. (AK).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid off my Alaska XXXX with the State of Alaska and it shows that I still owe XXXX plus on my Equifax credit report. The State of Alaska did not remove and show it paid on time in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (MD).
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: XXXX   is not reporting one year of payments on my Westlake Financial account. The Westlake account is reporting accurately with  XXXX  and  XXXX  so I find it hard to believe that Westlake is reporting it incorrectly to  XXXX . I 've requested for this concern to be corrected and  XXXX  played me as that they are reporting what is being reported to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have responded to all the repositories 3 different times through their websites and by mail over the pasat 2 months as recently as XX/XX/2016 to correct their errors and they have not done so XXXX Accounts closed at my request due to fraud charges.Reporting Terminated Mortgage and Equity Line Paid off 10 years ago-used in determing my credit score Stating too many revolving accts-only have 2 and the balances which I pay off each month are one half what my allowable credit limit is Report states too many inquires-never made an inquiry. Any inquiry that may have been done was unauthorized and illegal Showing residence addresses I never lived at Reporting previous name or AKA no mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with AVANTE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: M y problem is with Wells Fargo, the ho lder of my mortgage loan. They have dragged their feet and put us through the runaround for  over two yea rs and are now setting a foreclosure sale date of  XXXX   XXXX . They have refused to initiate a review of our current financial circumstances, even though things have changed and the amount of income for the household has significantly increased. We received a letter from  Wells Fargo last month fro m  XXXX   XXXX   Executive Resolution Specialist that stated that Wells Fargo will not review your loan for mortgage assistance options again. There is no reason given. I am pretty sure that Wells Fargo is  supposed to be looking at our current and correct financial information. We have several relatives living in the home and everyone is trying to pitch in to help so that we can save our ho  me. Wells Fargo is purposely denying my family access to government programs that we could qualify for and I dont know why. Not only are they refusing to conduct a review and instead trying to set a foreclosure sale date, they also failed to offer us the option of mediation as required by New Jersey state law.
This is part of a pattern. Wells Fargo has repeatedly dragged their feet, misplaced documents and given us the runaround. We just want the chance to save our home, but Wells Fargo   will not review the current and correct financial information. There are  XXXX  of us living here including  XXXX  young children. I understand that we fell behind but we can make this work and can qualify for a modif ication if Wells Fargo gives us a chance. They are now saying we dont get any more chances. I dont know of any rule or guideline that says you cant re-apply for help if your financial situation changes. I think Wells Fargo is making this up and trying to avoid helping us so they can foreclose. Based on their actions in relation to the fake bank account scandal I am not sur prised.

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 06/15/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MI).
Issue: Unauthorized transactions or other transaction problem

Complaint: Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Billing disputes

Complaint: Was in XXXX in a tour that turned out to be pressure sales tactic. 
The guide in the middle of our drive, say that if we do n't buy anything, she 'll will charge us {$600.00}. This was not an option as we were under their supervision in a van where we did n't know where we were. I figured since we were held hostage, the only way to get out was to pay her using a credit card, then afterward called the CC company to not authorize the charges, XXXX for {$590.00} and XXXX for {$3000.00}. So when I contacted CapitalOne and told them that I did n't authorize the charges they put my request in the their Fraud Department, who basically said that since I signed the transactions I have to pay. When I tried to tell them I was under duress, that I could n't do much in that situation, they refused to listen. So they basically pushed the transactions back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Other

Complaint: I returned an item to XXXX, but they did not credit my account. I sent documentation and letters to Capital One indicating proof of lack of indebtedness but they claim I have not. I received a small claims judgement against XXXX, but Capital One refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is in direct violation of FCRA AND FDCPA.

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 10-07-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: consumer cellular acct is not mine. My ex husband opened it in my name. The XXXX credit card is also his, he added my name without my knowledge and I never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I properly disputed an invalid obsolete account three times and the account is over 7 years old and TransUnion refused to properly investigate or delete. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Someone opened several bank accounts ( checking and savings accounts ) in my name without permission. These accounts were supposedly opened online according to Wells Fargo, XXXX, XXXX, and XXXX. Someone obviously stole my identity ( SS #, name, DOB, etc ) and opened these accounts. I then had to call all the banks and cancel these accounts, put a credit stop with the XXXX credit agencies as well as fraud alerts and go to the local branches of Wells Fargo and XXXX in order to close these accounts and prove that I had been a victim of identity theft. What I do n't understand is how anyone can just open accounts in my name online, but I have to actually go to a local branch in order to close them???!!!!! What XXXX kind of stupid system do these banks have??!!

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 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian reporting account incorrectly in regards to date opened, date first reported and date of status, Original Delinquency date and terms. XXXX XXXX XXXX is reporting as if it is a new account. I have never had a loan with XXXX XXXX XXXX, nor have I ever submitted a payment of any kind to XXXX XXXX XXXX. It is my understanding this account was acquired after a merger and XXXX XXXX XXXX acquired the original creditor XXXX XXXX and as well as any outstanding debt. The original creditor XXXX XXXX charged off the account as of XXXX XXXX. Current owner of acquired debt XXXX XXXX XXXX is reporting the account as a newly opened as of XXXX XXXX. How is that possible? When the account was initially issued by XXXX XXXX in XXXX XXXX and was delinquent as of XXXX XXXX account was never brought current nor were there any additional payments made after going delinquent XX/XX/XXXX. Per FCRA The seven-year period begins 180 days after the delinquency ( the first missed payment ) that led to the collection activity or charge-off. The clock does not start ticking again if the account is sold to another collection agency, you make a payment on it, or you file a dispute with the credit reporting agency. Per the FCRA XXXX is required to report the original delinquency date. As of todays date XXXX/XXXX/XXXX this account has been reporting negatively on my credit report ( Experian & XXXX ) for 9 years and 10 months. After getting an attorney involved XXXX has removed as of a dated correspondence from their office on XXXX/XXXX/XXXX. XXXX must have responded to a request from XXXX. This creditor is completely disregarding the FCRA by deliberately reporting inaccurate information as well as Experian is reporting incorrect information. I believe XXXX XXXX XXXX has a moral responsibility as a financial institution to report correct and accurate information to the credit bureaus and Experian should review and verify documentation to know they are correctly reporting verified. Due to this inaccuracy I have recently been denied credit as well as housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are collections on my credit report that are not mine i am going to list them here.        1.    XXXX   XXXX   XXXX   -  XXXX   2.    XXXX   XXXX   XXXX   -  XXXX   3.    XXXX   XXXX   XXXX   -  XXXX   4 .  XXXX   XXXX  -  XXXX   5.   XXXX   XXXX  -  XXXX  6.  XXXX   XXXX  -  XXXX  7.  XXXX   XXXX  -  XXXX   8.   XXXX   XXXX  -  XXXX   9.   XXXX   XXXX  -  XXXX   10.    XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  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 12/15/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America Home Loans is engaging is Mortgage Service Abuse, Dealing in Bad Faith with deceptive and misleading practices by fanning a Loan Modification, then denying to wit without proper notification. 

This type of behavior of deflecting the homeowners attempts to get a fair loss mitigation resolution and is therefore an unfair business practice. 

Bank of America Home Loans is engaging in deceptive and misleading practices in regards to this loan Modification by arbitrary and redundant conditions. 

XXXX XXXX first mortgage at since XX/XX/XXXX at Bank of America Loan number XXXX is a federally insured XXXX XXXX with a principal balance of XXXX XXXX with rate of 6.25 % monthly payment of {$1100.00} and a second mortgage loan number XXXX XXXX XXXX with a principal balance of {$36000.00} at interest only rate of 6 % and a monthly payment of {$180.00} with a balloon payment of {$36000.00} due XX/XX/XXXX. 

XXXX XXXX fearing the looming balloon payment of {$36000.00} which she does not have contacted Bank of America to request help and inquire as to her options. To which there only offer was to apply for a loan modification which she did in XX/XX/XXXX. 
XXXX XXXX received a letter dated XX/XX/XXXX stating that we regret to inform you that based on careful review of the information you provide, you dont meet the eligibility requirements to qualify for a loan modification. However, youre qualified to pursue a short sale. Weve included more information about your shot sale option and reason ( s ) why your loan isnt eligible for a modification in the enclosed Results of Your Evaluation section. Exhibit A. YET THE IS NO SPECIFIC REASON GIVEN. 
A short sale is a sale of real estate in which the net proceeds from selling the property will fall short of the debts secured by liens against the property. 

Exhibit-B is Bank of America AVM dated XX/XX/XXXX7 for loan Number : XXXX with the estimate value if {$290000.00}. 
Exhibit C Mortgage statement dated XX/XX/XXXX the 1st mortgage prinpincal balance is {$180000.00} minus the value of {$290000.00} equals 62.85 % LTV or equity of {$100000.00}!

Exhibit D- Mortgage statement dated XX/XX/XXXX the 2nd mortgage prinpincal balance is {$36000.00} equals a total balance due of {$220000.00} equals 75.30 % CLTV or equity {$72000.00}.

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 explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted National Credit Adjusters , LLC  XXXX / XXXX / 17  in response to a message they left with my mother  XXXX / XXXX / 17 . I called  XXXX  I spoke with  XXXX , She would not tell me about the debt that I owed. I asked the name of the company they were hired by, how much  I owed. She would not tell me anything and demanded that I verify who I am by giving the following : last four of my social security number, birth date, and address. I told her my full name again, and that without her telling me who she was hired by to collect the debt I did not feel comfortable giving her that information. I then asked if she would no longer contact me via phone and only contact me via mail. She explained th at without me verifying that information she could not honor my request for mail correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a XXXX account through Citibank XX/XX/XXXX. The account came with a ThankYou points promotion ; if I fund the account and make bill payments from their portal in two consecutive months, then I 'll receive XXXX points 90 days after the last bill payment is processed. I was told by numerous Customer Service Representatives, both online and by phone, that the account was in good standing and that I qualified for the promotion. It was only after the 90 days had passed, which was XX/XX/XXXX, and they had charged several monthly fees for the account, that I was told that I did not qualify for the promotion. I tried to resolve the issue by asking for my issue to be escalated internally, but I kept getting the same response, despite being told numerous times that I qualified for the promotion.

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 12/27/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing took over as my student loan service provider after I submitted paperwork for Public Service Loan Forgiveness. I did not receive notification from FedLoan Servicing until XX/XX/XXXX, which was in the form of an email that only provided information on setting up my account with them. On XX/XX/XXXX, I received information in the mail from them describing repayment options and student loan forgiveness. They also provided information about my first payment, which was scheduled to be due on XX/XX/XXXX. The letter detailing this information was dated for XX/XX/2016, three days before that first payment was due. 
After setting up my account to see if it was possible that it was a typo and actually meant XX/XX/XXXX, I noticed that my student loans were labeled as delinquent. I contacted FedLoan Servicing today and spoke with a customer service agent, who notified me that my delinquent status would not affect my credit score or my chance for student loan forgiveness. The person I spoke with also notified me that FedLoan Servicing provides a 15-day " grace period '' for payment. This information was not provided to me in any of the documents I was sent via mail or email. 
I do not believe that I was given sufficient notice for payment from FedLoan Servicing, nor was I informed that there is a 15-day grace period to pay until after I called to speak with someone.

Company response to consumer: Closed with explanation