milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I was notified by Wells Fargo text alert of suspicious charges which I replied by texting XXXX the response text back was that someone from the bank would contact me I went to my mobile online banking which there was 3 pending transactions in the amt of {$19.00}, {$45.00} & {$3.00} which left showing a balance of {$30.00} and change, I previously viewed my balance that morning XX/XX/XXXX which {$97.00} was available.I missed the call becaus I immediately contact the bank when I tried to answer my other line there was no one available so I spoke with a representative in thr customer services call center who advise me the transactions was real and that I was notified by Wells Fargo text because a {$40.00} XXXX transactions was trying to post which did not so thats why I was beginning notified she advised me that she was stopping my card ending in XXXX and requesting a new card I informed her that I just got the card because of a previous message where I was notified about this before I received the new card the representative advised me this was more common nowadays she confirmed that I only had {$30.00} in my cheking account she advised that we would do a fraud claim which was filed on XX/XX/XXXX got the claim number and transfered the call over to the fraud dept which was not open on Sunday. I went to the bank on XX/XX/XXXX for a temporary card. Now XX/XX/XXXX the call center customer services are saying that the claim was filed for {$19.00} and I had over 200 in my checking account on monday XX/XX/XXXX because they did not post over the weekend. My transactions reflected on Monday XX/XX/XXXX night under {$10.00} on my online mobile banking because of my transactions using the temporary card, the Wells Fargo supervisor is now telling me today XX/XX/XXXX that there was no claim for the {$45.00} & {$3.00} which fell off my account but I was given a provisional credit for {$19.00} which funds accounted because I went online after a deposit of {$170.00} posted on XX/XX/XXXX which I paid {$63.00} for a bill and the following morning XX/XX/XXXX I checked my account I had a available balance of {$120.00} which the {$19.00} provisional credit was posted. They are saying the funds has never posted to my account because they were in a pending transactions but online banking showed that those funds was not available in my balance.

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 04/15/2015 about Debt collection (I do not know) with Credence Resource Management, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they call and dont say anything. i researched them but cant tell if they collect debt or do debt consolidation. I dont have anything on my credit report suggesting I owe anything other then my bills that are being paid.

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 09/21/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: My mother passed away unexpectantly on XXXX XXXX. She had a checking and a savings account with Huntington Bank. My grandfather ( her father ) went to the bank and informed them of her passing. He was told that she did not have a beneficiary listed, and therefore they could not tell him any info regarding her accounts. I opened an estate, and was appointed commissioner. The judge issued a certified copy of the order to release the funds to me so that I could reimburse my grandparents for the funeral. The order stated the funds could not exceed {$1000.00}, which we knew she did not have more than that. I took the order with a copy of the death certificate to the bank in the XXXX XXXX XXXX ( XXXX, OH. ) and dealt with " manager '' XXXX. First of all, she admitted she had no idea how to handle this situation. I feel someone in a " higher up '' position should be familiar with dealing with these situations. People die every day. Anyway, she called someone and sent over the paperwork. She was told at that time that I needed the original death certificate, which my attorney says is actually untrue. But I digress- Saturday I went back with the original certificate and my order again. This time, she says she spoke with the " supervisor of the legal dept. '' and was told that they needed to confirm the amount with the courts before releasing the funds. Now, this order specified that the funds should not exceed {$1000.00} and that the purpose of the funds were to reimburse for funeral expenses. Honestly, I would love to know how a funeral could cost less than {$1000.00}, and why it was necessary to make me wait again. This " supervisor '' of LEGAL should have been able to look at this order and recognize what it was, and the funds should have been released way before all of this run around. In the meantime, funds were withdrawn, and my grandparents lost out on over {$200.00} because no one ever put a hold on the account, even after being notified of her passing. The gentleman that did finally help me Tuesday evening was wonderful. I wish I remembered his name. He was sympathetic, professional, and could not understand why I was given such a hard time. This was all over {$640.00}. It was ridiculous and disappointing that this bank ( which is my bank as well ) could not help someone in a very needy time. My attorney had to send a subpoena, and all of this could have easily been avoided had the employees been educated on what they were supposed to do, and what an order from the court looks like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Debt collection (Auto) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit is being hurt because the sharks ( XXXX ) trying to wrongfully charge me or the collections agency ( Thomas Agency ) who partner with them are the only entities that can tell the credit bereau that I do not rightfully owe them money which they will not do because they obviously want it wrongfully. I XXXX and went to XXXX. I was scheduled for XXXX at a XXXX Facility, The XXXX XXXX XXXX, and applied for XXXX by XXXX. They helped me very quickly with my XXXX Determination, the box next to ACCEPTED was checked and next to it reads " The hospital or physician practice will provide care at no charge to you for any participating XXXX facility or physician practice bill NOT paid by insurance or other payers. XXXX XXXX will be valid 'For outpatient services- thru XXXX/XXXX/15 ''. The entire bill is outpatient and covered. I was harassed over the phone several times by XXXX 's financial coordinator and sent her copies of my free care determination form which she said very bluntly that they were not going to accept it and we did that phone dance. Then I was being harassed by The Thomas Agency collections, and there is no way to reason with those people, they talk over you say their client does n't accept XXXX with no explanation of why they are above the law, and hang up shouting " Pay us the money ''. I checked my credit score and noticed that the credit bereaus are holding the collections debt against me so I put disputes into XXXX and XXXX. I received an Investigation Report from Transunion even though they never contacted me for my side of the story, the log in link to XXXX was broken which I needed to log into to add a XXXX word statement. I called the number on the investigation report and explained, they gave me another number for customer service to which I explained again, they said they were going to send me to " special handling '' ( which name implies to me that I am already in the wrong and considered by them to be irate ). The special handling lady was actually very helpful. She said she would type my explanation and submit a re-investigation. However she explained to me that regardless in order to remove the charge that either the biller XXXX or collections agency ( Thomas Agency ) had to remove the charge or say they did n't want the money ( which they know I rightfully do not owe them in the first place so why would they stop trying to pry it from me now? ). She told me about the CFPB and said that it was the best shot place to contact for help and here I am typing. I would very much appreciate help for my case. I feel the system is messed up and these big companys can just bully the little low income guy because the credit bureau takes their word about false debts and then the credit bureau can not even undo the harm after investigating the legitimacy of the charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Payday loan) with MNE Services, Inc (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report. 
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report. 
Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: this is regarding the Equifax hack that included my info, confirmed per their website. It is unacceptable that they were hacked and didnt notify the affected personal till month after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was compromised as part of the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing because Experian is reporting late payments for XXXX XXXX XXXX from XX/XX/2009 and it has been over the 7 year time per the FCRA : Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current. This is known as the original delinquency date. 

Therefore, it is the duty of Experian to remove XXXX XXXX XXXX from 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 05-12-2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Experian advertises that credit check total is accurate. However, it does not have accurate information as by credit check total I do n't have any account from XXXX XXXX and by experian it is. fraud fraud fraud!

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 07/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other

Complaint: CFPB Orders Bank Of America To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Bank of America did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax to dispute some items. They refused to send me updates on the status of the dispute and did n't provide me with updated report. They continue to keep items on my report that are inaccurate and therefore result in negative results when applying for credit and a lower score. Along with XXXX, XXXX County and XXXX XXXX XXXX they do not update or provide accurate information and Equifax refuses to remove items or properly notify of any result or action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with CAVALRY INVESTMENTS, LLC (MA).
Issue: Forbearance / Workout plans

Complaint: I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. 
In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Non-federal student loan) with Windham Professionals, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have suffered at the hands of this collection agency, and have already reported them to the CFPB for malicious prosecution. Please see complaint Case number : XXXX 

Today I received my XXXX credit profile only to find their derogatory tradeline displayed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Late fee

Complaint: A card I have operated through Macy 's has assessed me an inordinate amount of unwarranted fines. They charged me late fees ( {$130.00} ) on bills I never received and refused to refund them.

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 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have had this loan since I purchase my home in XX/XX/XXXX. In order to pay this mortgage off faster I have been paying it weekly of the monthly amount divided by 4 plus additional amount towards principal ). Whenever the amounts of the weekly payment reaches the monthly amount due, the remainder in that month 's time is supposed to go immediately towards principal. Instead, in early XX/XX/XXXX the extra amounts had been sitting in suspense and not until I called them a dozen times did they start moving them over to pay down the principal. Not once did I get an apology OR any kind of retribution or reimbursement of interest. Finally it was corrected. Last month I called and increased the amount I would pay towards principal and all of a sudden the same exact thing is happening - the extra amount is sitting in suspense. I called them on XX/XX/XXXX and had to escalate 3 times until I spoke to a manager who promised to resolve this. IT STILL HAS NOT BEEN CORRECTED. What do I need to do to fix this? 
FYI : These are the following people that I have spoken to from the onset of this problem. 
XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, manager XX/XX/XXXX XXXX, customer service rep XX/XX/XXXXXXXX XXXX , Supervisor XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager

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 08/26/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I am incredibly frustrated with Nationstar Mortgage. Nationstar purchased our loan from  XXXX   XXXX  and there has been nothing but issues ever since. I did not have an escrow account for property taxes, however, they paid our property taxes, in error, and now they are adding this error to our monthly mortgage payment. I have spent countless hours on the phone with them trying to get this resolved, and no one seems to be able to help me. I have tried to clear our escrow account but was told to wait until I was contacted, which I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loan is being reported as 180 days in default in 2012. This is not true. I have had a forbearance or a deferment every time I was not able make payments. Furthermore my loan is in the third and last year of the forgiveness process.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I entered into a repayment plan with The uS Dept of education for loan repayment. As promised by the US Dept of education if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! uS dept of education has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the Loan Rehabilitation program. I paid every month on time as agreed.

Company response to consumer: Closed with explanation