milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Several Wells Fargo bankers lied and coerced me into signing for openning multiple personal, business and brokerage accounts. The wells Fargo bankers stated the reason I was signing their electriconic pin pad was in ored to waive overdraft fees. This was a lie. Several Wells Fargo bankers lied and tricked me into opening several business, personal checking, savings, credit cards, brokerage and merchant services accounts without my knowledge or consent. I have filed several complaints about the fraud that the Wells Fargo bankers committed and nothing has happened. The wells fargo bankers lied to me about what they were doing. The wells Fargo bankers at several different wells fargo branches tricked me into signing for opening multiple accounts when I was told by the same wells fargo bankers that the reason I was signing their electric pin pad was to waive overdraft fees. These wells fargo bakers lied and used my signature to open several business checking, business savings, business merchant card processing as well as several personal checking and savings accounts and brokerage accounts without my knowledge or consent. These same bankers deleted these fraudulent accounts from my online banking view. Because of the bankers deleting this fraudulent accounts from my online banking view, I had no clue they existed. I had no clue they existed until I saw derogatory marks of charged off negative accounts on my credit report. This is the same exact corruption that occurred in the XXXX law suit about fraudulent accounts. Wells Fargo opened several business accounts, several personal accounts and several brokerage accounts without my knowledge and consent. The fraudulent accounts charged off with negative balances. I had no clue about the fraudulent activity until I saw the negative remarks and charged off accounts on my credit report. I have filed several complaints with wells fargo and have asked to submit to mediation with wells fargo. Throughout the mediation program, wells fargo keeps delaying and wasting time while giving me the " run around ''. The tracking number for my mediation account is XXXX. I demand that Wells Fargo fully compensate me in the amount of " {$150000.00} For all of the fraud, deceptive business practices, and defamation to character that was committed against me. Wells fargo keeps giving me the " '' run around ''. I need the CFBP to step in and demand more monetary restitution for me for to the horrendous acts of fraud, deceptive business practices and the defamation of my character by Wells Fargo. Please help me as this has damaged my credit report and has cost me losts of money and even has costs me obtaining a job.

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 03/23/2017 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get two to three robo-calls a day from the CBE Debt Collection Group. When I answer the phone there is no one on the line, just a prerecorded message telling me to call them. I have no one who has claimed that I owe them anything ; I have no one warning me that they are turning a debt over to a debt collector ; I have no outstanding debt ; and I am certain this is a phishing expedition or scam, and I am not going to call the CBE Group to reinforce their manipulative tactics and questionable motives. If they believe the CBE Group believes it has a claim against me they can write me a letter explaining their claim and provide documentation or they can call and talk with me directly, but I will not initiate contact with them. I want their harassing calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.

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 04-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Card used for one fraudulent purchase. Citibank chose to text me at XXXX XXXX (! ) and call multiple times beginning at XXXX XXXX, which was XXXX XXXX  because I was traveling in XXXX. 

Why did they not simply send an email or letter about that fraud? Asked me about two or three other  charges and those were legit. 

Upon statement review, I have found other fraudulent charges and it's been a HUGE pain to get them to do anything about the other fraudulent charges. Including a 1-way ticket from XXXX to XXXX on XXXX XXXX for a passenger who's name does NOT match my name as cardholder. 

Complaint 1 ) NO TEXTS OUTSIDE OF BUSINESS HOURS Complaint 2 ) NO CALLS BEFORE XXXX XXXX   EASTERN IN CASE CUSTOMERS ARE TRAVELING IN THE US Complaint 3 ) MAKE IT EASIER TO DISPUTE CHARGES. SHOW THE SAME SENSE OF URGENCY IN FIXING FRAUDULENT CHARGESAS THEY DID TO CUT OFF MY CARD. 

It's clear they care a ton about Citi. Too bad they don't care about their customers nearly as much.

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 07/24/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I was pre-approved for a house loan by Bank Of America XXXX BOA XXXX. I found a house that was for the amount of the loan. Did everything, supplied everything that the bank asked for. Even financed my car, with the intention of financing it with BOA. Had the house inspected, paid for a credit report, had insurance put on the house, all of this at the request of BOA. Getting everything set to close on this house, and at 2 weeks before closing, BOA denied the loan. Why pre-approve a loan and put me through all of this and then deny the loan? Bank of America is the absolute worst financial institution to apply for a loan. They give false hope, they discriminate against women, and they have no intention of granting an approval if you are n't making mega amounts of money. I am very disgusted with this Banking Institution and would advise anyone who is seeking a house loan to seek it elsewhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have sent numerous disputes but the company never replies to me nor remove these itsms

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 04/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: This is a follow-up to Case number : XXXX. Bank of America continued to charge me interest on XXXX XXXX. After calling enterprise customer care resolutions department, they have not returned my call hence I am re-opening this case. Thank you, 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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I wrote and mailed a dispute letter to Experian on XX/XX/XXXX and XX/XX/XXXX. They responded with letters within 30 days explaining the account in question XXXX XXXX was verified by creditor but provided no documented evidence. I called them on 2 occasions XX/XX/XXXX and XX/XX/XXXX to delete the account and both times denied. My next step is to start litigation against Experian.

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 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have been a victim of multiple cases of identity theft within the last two years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up Fraud Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This complaint is specifically for TransUnion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a charge for XXXX equipment when I cancelled my service with them. I returned the equipment with the return receipt that they sent me to return it. I have attached the complete record of this. I have the label where it was shipped and a copy of the items there were shipped back, as well as the email authorizing the return. I have contacted XXXX XXXX XXXX and the collections people repeatedly about this but have not gotten any assistance. I do owe on a wireless bill too and will be paying that because I owe it but this, I do not owe!

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I believe I was apart of the credit inquiry problem that transunion had when they took the inquirys away then put them back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I deposited check number XXXX for {$9600.00} into the above referenced account on XXXX/XXXX/2017. A hold was placed on {$4600.00} immediately, with {$5000.00} depositing into my account however, the check needed to be verified by the maker. Capital One attempted to contact the company I work for, however was unsuccessful and immediately blocked access to my funds by closing my account, and saying the check is fraudulent. I have since attempted several times to get the bank to reinstate my account as the funds have cleared XXXX ' bank account, as verified in the email displayed below. Capital One is holding onto my funds and will not release them. I want reinstatement of my account or open a new account with Capital One 360 ; and as the last resort, send a check to me. These funds are for contract work I do for a XXXX XXXX, XXXX. Included is the check stub for this deposit, the invoices related to deposit and screenshots of my account online. One more note, why would interest still post to my account if it is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stevens Business Service, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on XXXX/XXXX/2015, I filed an dispute with Steven Business Service. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Steven Business Service to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Steven Business Service that not complying wit the FDCPA will put their company in a bad position with the CFPB. Steven Business Service never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Steven Business Service sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm currently in a repayment agreement with Midland Mortgage, when my home 's roof and ceiling suffered storm damage form XXXX. I was told by a representative of Midland to make the necessary repairs and the loan payment would be taken out of the insurance check. I was behind approximately 15 days because I make repair to my home to make it safe and livable. Midland received a check in the amount of {$6200.00} but Midland loss mitigation employee, XXXX, refused to apply any payments and cancelled my repayment plan and submitted my loan for foreclosure. When I spoke with XXXX, he had a very insensitive negative attitude. Considering the circumstances, his actions were very nasty!

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 12/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: I 'm getting hammered with OD fees on my business account due to the fact that my alerts are not working it is advertised by chase that setting up alerts helps keep track of your account and prevent overdraft fees. This is not correct. Also I have made deposits and never bounced a check and chase continues to charge me OD fees while I have checks pending to clear which is something the personal banker who set up my account said would not happen. Within the past month I have received XXXX OD fees which is absolutely ridiculous. When I call in I continue to be misdirected and misguided by phone reps and the offer basically no help. You can ask to pull the recorded calls and you will exactly what I 'm talking about. Chase also just sent me a check for this same issue happening to me on my personal account in 2014. Its shocking to me that it would take them almost 3 years to realize that they were in the wrong. Please help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not solicit this business for any product or service

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I 've been with N avient (   XXXX   XXXX   ) f or quite some time and for a long time, I 've been struggling with trying to get my payments lowers to an affordable montly rate. Every year, they raise my payment eventhough my financial situation remains the same. I am now paying {$280.00} under a rate reduction payment plan and I ask them time and time again to lower it. My Co-signer is my Mom who has a  XXXX  and does n't have the financial means to assist me any longer ; all payments have fallen solely on me. I can not afford these payments and it will only get worse next year because it will rise again. I need them to reconsider my payment plan and bring me back down to a payment is around {$150.00} per month or less. I should n't be going broke and basically working to pay them. I have other loans and I am drowning because of Navient. What a scam company! The operators never want to help. They just tell me to basically rely on my Mom eventhough she can not help at all. They are heartless. I ca n't even consolidate because it ' s a Private loa n smh

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (MI).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: At Citibank, I opened a checking account with opening bonus offer.

XX/XX/XXXXI opened and deposited XXXX  . XX/XX/XXXX I deposited XXXX $ XX/XX/XXXX I withdraw XXXX $ XX/XX/XXXX~XX/XX/XXXX is 62 days and I met the bonus term and waited.XX/XX/XXXX I inquire the bonus and citibank says : Unfortunately, your account does not qualify for the promotion because the required amount of deposit was not maintained within stated timeframe. The term was : Open a new checking account in the Citibank Account Package by XX/XX/XXXX.  

Within 30 days after account opening, deposit {$15000.00} or more in new-to-Citibank funds into new checking Account or new or existing Savings Plus Account or Citi Savings Account.

A minimum balance of {$15000.00} is required to be maintained in the new checking or new or eligible Savings Plus Account or Citi Savings Account for 60 days from the date that the {$15000.00} deposit is made.

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 12/30/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX a collection was reported to my credit file in the amount of XXXX. I have no knowledge of this account. So I was disputed it XX/XX/XXXX. It was removed. The collection was added again XX/XX/XXXX. I disputed it. They told me the information was verified. I stated I never received any communication that I owed the debt to this company nor do I have knowledge of the account. XX/XX/XXXX I received a notice in the mail with the collection company telling me I owe them XXXX. No information verifying the account belongs to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 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: In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.

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