milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Settlement process and costs

Complaint: My wife and I have mortage with Wells Fargo and had a life insurance policy on mortgage which when she past away the bank refused to pay insurance policy. they have lied created documents with a computer and forge our names to false documents .im sure were not the only ones that have been screwed by this bank because the stealing and lying starts at the top of the bank and goes to the bottom. this bank needs to be checked by the federal authoritys and have the people jailed and the insurance department of bank closed .We paid on this policy for five years and received nothing but greive from this bank. I have all false papers they have sent me they do not have a single paper signed in ink by me or my wife XXXX, only computer made papers they created. they took our names off the original contract and pasted the names on these false papers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX This company shows up on my XXXX HARD INQUIRIES report. On the data of XX/XX/XXXX. 

I have call and spoke with Representatives on XX/XX/XXXX as well as supervisor for this company I explain to them that I have not applied for any of their credit services and that this is a fraudulent act on my credit report. I have asked them to have it removed, they told me that it is impossible because their do not have any records of my file on there system. And that contacting you guys was my only option of having this fraudulent act removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (DC).
Issue: Using a debit or ATM card

Complaint: I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Credit card) with Total Card, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with EQUIFAX, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After obtaining a copy of my Equifax credit report, I noticed a collection account reporting on my account by XXXX XXXX XXXX XXXX for a debt for {$270.00}. On XXXX/XXXX/16, I attempted to contact the above agency to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Equifax, and Equifax reported the debt as valid. How is the debt validated through Equifax, when the collection agency did not respond to my attempt to communicate with them regarding this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with ConServe (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Dear Sir/Madame : I am filing a complaint about HSBC for 4 specific things as below. I have all email communications as evidence and can provide all of them when needed. 1. When I tried to pay for Property Tax on XX/XX/XXXX on the payment website from the selected menu I chose to pay through my Savings Account but I accidentally entered my checking account #. Then HSBC paid through my checking account without checking with me.
2. Since there was not enough fund in my checking account ( fund was in savings account ), the payment was denied. I got notified on XX/XX/XXXX from the payment website. They informed me that my bank only notified them on XX/XX/XXXX. Since XX/XX/XXXX was the deadline for the payment, I was charged $ 1500+ fine. When I asked HSBC why it took them 10 days to inform insufficient fund status, there was no direct answers. I had to escalate to five different HSBC staff and it took me 1.5 months to finally get an answer. During the process, I sent dozens of emails to different HSBC staff for answers. After getting so frustrated, I asked for the contact information of their supervising authorities. At my 7th request, they finally gave me your name. This was a terrible customer service experience.
3. HSB
C has been using double standards to decide how to communicate with me. When I opened my account back in XX/XX/XXXX, I told them my sister will help manage my account since I am too busy and I fully trust my sister. Since then, my account manager has been in communication with my sister for all account services through emails, phone calls, etc. When I asked for investment options, HSBC staff also called my sister instead of me to discuss options. But when my sister followed up on above # 2 issue, HSBC staff said my sister can not handle this complaint since she has no power of attorney to represent me. I do not understand why my sister can handle my accounts in any way but when it comes to complaints, she can not?
4. HSBC downgraded my checking account level from premium to advance on XX/XX/XXXX without getting my approval. Again, I have all email communications to prove above. I am more than happy to provide any evidences to support my claims. Thank you for your time! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: creditor withdrew original.debt told collector drop but it is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Debt collection (Medical) with DRS Financial LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX inquiries that generated an account and I was able to close the accounts before any fraudulent charges were made. The inquiries still showing on my report and transunion refuses to help me with the issue and expedite the process inquiries are the ones bellow : XXXX XX/XX/XXXX and XXXX bank XX/XX/XXXX Please do not delete the other XXXX as it belongs to me.

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 Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Firstsource Advantage, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: 1. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received an email notification that my Citi Double Cash Card had been compromised with suspected fraudulent activity. A purchase in the amount of {$300.00} was attempted on XX/XX/XXXX but was denied. The email prompted me to select if I recognized the charge listed ; I selected " No ''. That same day I received multiple telephone voicemails repeating the same message, notifying me of the attempted fraudulent charge and asking if I recognized it. On at least one occasion I confirmed via telephone that I had not made this charge. 

2. Friday, XX/XX/XXXX I received e-mail confirmation that my account had been closed due to a lost or stolen credit card and that I would receive a new card for my new account on Saturday, XX/XX/XXXX. I received both the XXXX   Shipment and Delivery notifications for said card via email, as well as text messages with identical messages. 

3. On Saturday XX/XX/XXXX I received a replacement XXXX Double Cash Card. The name and account on the card DID NOT BELONG TO ME, though I had an option to activate and use the new card as my own via telephone. I immediately spoke with Citi customer service representative that evening. I was told to discard of the 'replacement ' card and that a new one would be issued and delivered to me by Monday XX/XX/XXXX. 

4. On XX/XX/XXXX at XXXX XXXX I received an e-mail stating my 2nd replacement card would not be delivered to me until XX/XX/XXXX due to a service delivery. 

5. I did not receive my card XX/XX/XXXX. I spoke with a customer service representative this evening who stated my 2nd replacement card was shipped on XX/XX/XXXX ; however, I did not receive neither e-mail nor text message confirmations of even the shipment of this new card, unlike the time I received the wrong card.

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 03/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out about {$65000.00} of loans at a low rate of less than 4 %. Over time, the interest rate has gone up over 8 %. I now owe about {$120000.00}. FedLoan is calling that the principal balance. I paid about {$11000.00} in 2015 in payments, but only about {$2100.00} is going to principle ; the rest is interest. It is ruining my life and I need help. I can not save for retirement or hope to help my child with college. I sold my home to have a chunk of cash to pay off the loan and start over financially. Can you help me negotiate a fair amount to pay? I can pay it today, but I can not pay {$120000.00}. I can not get to someone in Fedloan to discuss a change ... all I get are the people who answer the phone and say that none of the programs will help me and I am just out of luck. 
Original balance if loans {$65000.00} They say the principal balance is {$110000.00} My payment of {$990.00} to pay off the balance as it currently stands is for 273 months. I have paid 10s of thousands of dollars already. This will make my payoff {$270000.00} for a $ XXXX loan at a low interest rate. This is not right. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: We received a large check from our usual payer source of over a year. However, this time it was a paper check instead of a wire. Wells Fargo in XXXX XXXX Florida held the funds. 2 days later, only a few thousand was made available. After meeting with the branch manager, we were told the funds would be available in 24 hours. So, we made payments and as a result ended up with a negative balance of over several thousand dollars. The funds were listed as " posted '', yet still not usable. How is it that in 2017 a  bank can not contact another bank within minutes to verify fund availability? And how is it that it depends on the decision of the bank manager? And then how do they justify a statement saying funds are " posted '' and then not pay out on bill pays? From what I read in the law, its not legal and I want them to answer for their mistake.

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 06-05-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Applying for a mortgage

Complaint: We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation