milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been trying to get this situation corrected for a year now but no one in the XXXX XXXX credit card services department can help me. My first issue i brought to their attention was the fee 's i was assessed in XXXX through XXXX. On the XXXX XXXX website, i was only able to pull up my XXXX XXXX, 2015 year end statement. This statement shows a continuous {$2.00} charge per month that i was unaware of. The statement also states that I was charged {$72.00} dollars for the entire XXXX calendar year. I have called customer service a million times trying to figure out why I kept getting charged and requested a full refund for all the fees related to this issue which I believe began in XXXX. I have yet to receive a refund or even an explanation that makes sense. My second issue which I believe occurred due to my first issue with the fees charged is the 30 day late reporting 's that are showing on my credit report in XXXX XXXX and XXXX XXXX. I have never missed a payment or made a late payments since the inception of this credit card. Furthermore, I have barely used my credit card that has only a XXXX dollar limit. These credit reporting 's are fraudulent and violate my rights under the Fair Credit Report Act. XXXX XXXX has charged me for fees that I have been unaware of and reported me late because of these fees. Please help me correct my credit report and receive a refund for all these miscellaneous fees that I have been erroneously charged.

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 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by XX/XX/2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which the requirements were completed ( XXXX XXXX, 2016 ). 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.

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 09-01-2017 about Debt collection (I do not know) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home mortgage in XXXX 2016 with USAA Federal Savings Bank. {$1400.00} was deducted from my checking acct and a cashier 's check was mailed by my bank XXXX to USAA Bank for receipt by XXXX XXXX, 2016 for my first payment. I followed up with a call to USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they did n't receive the funds that it was n't in their system. XXXX said to call back in five to seven business days. I called again XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX stated that they never received the payment and that I needed to make a payment before XXXX XXXX, 2016 or late charges would be applied to my mortgage account. XXXX instructed me to get a notarized letter from my bank stating that the transaction occurred and a bank summary of my account transaction for XXXX XXXX, 2016 showing that the the amount was sent to USAA Bank and fax the documents to USAA Bank 's research dept which I did that same day. I again called USAA Bank on XXXX XXXX, 2016 and spoke with XXXX in customer service. XXXX checked with their research department and said that the payment was n't there. I 've also checked with my credit union XXXX XXXX branch many times. XXXX XXXX a supervisor has done an in dpth analysis of my checking account and showed me that in fact USAA Bank did receive the funds on XXXX!, 2016. Until this is straightened out, I 'm out {$1400.00} because of someone 's lack of concern and incompetence. I 'm a XXXX XXXX XXXX vet on XXXX. This is a whole lot of money being taken from me that I really need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Using a debit or ATM card

Complaint: I 've been dealing with this for months now I have a fraud alert extended fraud alert and files blocked. I 've been a identity theft victim twice already much to my displeasure. Such a hassle on everheverything I do. Citizens bank is not understanding the meaning of fraudulent charges and has a balance of {$290.00} in an open account in my name after countless hours online and disputes to them and investigation I gave up. I refuse to pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Collection Systems, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt is listed as being incurred in XX/XX/XXXX against a business that closed in XX/XX/XXXX and was closed debt free with all business relationships finalized and satisfactorily closed out. I contacted the orginator ( XXXX XXXX XXXX ) without any success because I could not produce an Account Number of the closed business. This debt collector now wants payment or will continue to send me letters and call my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Equifax can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My family income rate decreased which lead us to apply for a loan modification 3 years ago. This process of mitigation has gone back and forth for 3 years with no resolution until now ... .FORECLOSURE! A realtor company just arrived to my door to inform me that our home was forclosed on Tue, XXXX XXXX. No one from Nationstar had contacted us at all. We were told that the foreclosure process would be stopped upon receiving the requested documents. This loan started with XXXX XXXX XXXX but was sold to Nationstar. The communication is horrible with Nationstar, until the last minute, to request an IMMEDIATE update on paperwork and repetitive forms that have already been faxed or emailed with confirmation. However, we ALWAYS immediately send every form/document, hardship letter, profit and loss statement, letter of explaination, etc has been sent in a timely manner. We do n't always get a confirmation from Nationstar that they 've received the documents so we have to call or email them. We ca n't get any one particular person to handle our case so it 's always difficult and almost impossible to consistently reach someone to discuss your case or issues. No clerk/technician ever has any concrete information about your case being settled, etc. They can only tell you if the documents have been received or not. After successfully receiving all requested documents our home has now been foreclosed. We 're capable of paying for our home but not at these extremely high interest rates. We 'd still love to keep our home but just do n't know what else to do. We 've even been using a third party, XXXX XXXX XXXX ( Foreclosure Prevention ) to no avail. XXXX is just as shocked about the foreclosure as we are and instructed me to file this complaint. Also, the realtor, XXXX, suggested I file a complaint as well because this happens too often and it does n't seem as though banks want to work with the occupants at all. What else is the consumer to do when you 've done all that was requested? All requests were honored in timely manners. If at all possible, IMMEDIATELY. We 've worked hard for what we have and are fighting for our rights to be property owners at this address. We 're young hard working professionals as a family of XXXX, who 's faced hardships and misfortunes just like others but we 're financially stable now and do n't know what else to do. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Greetings, TransUnion is falsely reporting and suppyling inaccurate data to creditors and vendors regarding my credit and financial information. 
TransUnion seems to has multiple accounts and unable to locate my files. I 've been unable to obtain my credit report online nor by mail. Credit Bureau requested additional information which it was supplied by several means ( mail/fax ) twice. Information submitted is as follow : copies of my ID, social security card, pay stub, and void personal check. In addition, I have filled out the Form XXXX - Disclosure Request. 
Even with the information submitted, TransUnion is still unable to locate my file. I have follow up with Consumer Relations ( XXXX ) several times and answers continue to vague and elusive. 

The impression I received every time I call is that, they have some of my information but its floating around in their system and unable to accurately identify it. 

I appreciated any help you could provide me, Yours truly, 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 non-monetary relief
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and TRANSUNION show XX/XX/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 05/31/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Other

Complaint: XXXX XXXX marked my XXXX XXXX XXXX card as " lost or stolen '' even though I did n't report it as lost or stolen, while I was overseas. I never got any notification from my online account or from my email of this happening. I found out because a number of merchants could n't charge anything to the card, and I called XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX to find out what was going on. The XXXX representative said that the card has been marked as lost/stolen. I asked them to reverse the notation but was told it ca n't be done as a security measure. When I asked to get the card replaced, as I needed it in XXXX, they made a huge fuss about it - that they could n't replace the Platinum because my card was new, even though this whole mess was squarely XXXX XXXX 's fault that they marked the card as lost/stolen in the first place. After insisting that I need the card and that the card must be replaced ASAP for several hours, they finally agreed to " make an exception '' and send the card to me within a week to XXXX, XXXX where I would be at the time ( the time that it would take for the international shippers to deliver the package with the card ). I was supposed to get an email within 4-5 days, but I never got it, which was n't a surprise as XXXX XXXX had n't sent me any useful emails, such as when my card was invalidated. In any case, the Platinum, which was supposed to arrive by XX/XX/XXXX in XXXX as promised by XXXX XXXX, never arrived. I tried calling XXXX XXXX from my international location, but due to telephone issues on the XXXX XXXX, I could n't talk to anyone. I 've spent a total of 20 hours trying to resolve this issue, and going through hardships on my trip because of XXXX XXXX 's repeated mistakes and excuses. To add insult to the injury, I 've been charged the annual fee after only having a working card for 4 days. On my return from XXXX, I checked my mail to see if XXXX sent the card accidentally to my home address. However, I 've received no replacement card even at my card 's listed address. 

Additionally, I have lost a month 's worth of charges to the new card to receive the sign on bonus ( which is to receive XXXX XXXX XXXX after spending {$3000.00} in 3 months ). I ended up having to spend approximately {$2100.00} from XX/XX/XXXX until XX/XX/XXXX I would have nearly reached the minimum bonus spending requirement in this first month on this overseas trip. Hence, XXXX not only inconvenienced me immensely on my trip but also deprived me to meet the minimum spending requirements. 

XXXX XXXX invalidating my card without me reporting it as such is a security issue, and them claiming that they sent my card, never actually replacing the card anywhere, and also charging the annual fee when I have n't had a working card due to their mistake is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Problems caused by my funds being low

Complaint: In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with M. G. Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I noticed and escrow disbursement that occurred on XXXX/XXXX/2015 in the amount of {$580.00}. After a quick phone call to US Bank, I was advised by a " Sr. Rep '' that a XXXX XXXX XXXX XXXX XXXX requested the funds. I advised the US Bank Representative that I was not familiar with a XXXX XXXX and that I needed this situation researched. On XXXX XXXX, I received a letter from the " research department '' of Us Bank basically advising me that the funds were sent back due to my escrow account being overfunded and the time of transfer. My loan transferred to US Bank in XXXX of 2015. I made my XXXX payment to XXXX XXXX. This was my XXXX mortgage payment ever. 
After being advised that my escrow account was over funded I did the research myself. Per my HUD Statement ( which I have attached ), my initial escrow deposit was {$1200.00}. I made one payment of {$470.00} to XXXX XXXX. If you subtract XXXX MIP payment of {$110.00}, that leaves me with a balance of {$1600.00} which was transferred to US Bank in XXXX, 2015. After these findings, I contacted US Bank again on XXXX. This time I spoke with a senior rep by the name of XXXX. After being put on hold for about 5 minutes at the beginning of the call, I was finally able to go over my payments. XXXX not XXXX acknowledge that there may have been an issue, in fact she stated that whoever she need to contact was not in the office. I advised her that I was not satisfied with her response, and that I was going to escalate this. XXXX 's reply was, " do what you have to do ''. Needless to say that I am a XXXX time homebuyer who also happens to be a supervisor for a mortgage servicing company, and this by far is not how this situation should have been handled. I would like to know why US Bank did not confirm that my escrow account was overfunded before they sent the funds. I know how escrow shortages work, and with my taxes going up for the year, these missing funds will have a major impact on my escrow, thus raising my payment in the coming year. I would also like to know why XXXX XXXX requested the funds without confirming that my escrow was over funded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit line increase/decrease

Complaint: I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.

Company response to consumer: Closed with explanation