milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX/XXXX/XXXX I submitted an initial dispute to TransUnion requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00XXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

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 05-11-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Loan servicing, payments, escrow account

Complaint: I received an email on XXXX XXXX from Nationstar Mortgage informing me that my mortgage with XXXX XXXX XXXX had been transferred to them as of that date ( XXXX XXXX ). This was the XXXX correspondence I had received that even stated my loan was being transferred. At that time, I attempted to log into XXXX XXXX XXXX to see if I could get any documentation to download and was not able to see my loan information. In that email it also stated that my loan information would be available in the Nationstar system by XXXX XXXX. On XXXX XXXX, I received an email from Nationstar informing me that I could log into their system with my old loan number and see everything online in order to make a payment. I was unable to do so and have sent off several emails and contacted Nationstar because my mortgage is due on the XXXX. I am extremely stressed over this whole thing because I was given no notice, was not allowed to access my account on XXXX XXXX XXXX, and now am unable to register or log in with a new lender. In the last email, it was stated that I would receive my new loan number in the mail in a few weeks. This will then cause me to be late on my mortgage and I do not want it to be affected. This is a very nightmarish situation, and from my understanding, I should have at least been notified of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/26/2017 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX XXXX debt has been placed on my credit report that is not mine. XXXX XXXX has verbally confirmed it is not mine, but refuses to provide me with a letter stating so. The account was sold to CBE Goup XXXX. XXXX XXXX XXXX, IA XXXX, when asked to confirm ownership of account with XXXX the refuse to do so. XXXX is also refusing to contact CBE Group. XXXX states that a SSN was not provided to CBE, therefore I do n't understand why it was posted to my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (TN).
Issue: Account opening, closing, or management

Complaint: I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed. 
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.

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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I created a checking account on  XXXX / XXXX / XXXX  at  Webster  Bank at  XXXX   XXXX , Cambridge. There was an ongoing promotion of {$350.00} for the said checking account which is why I created the account. There were several requirements to get the promotion, and I successfully met all the requirements they asked within the time line. After 3 months, I even verified with the in-branch representative and the rep said I fulfilled the requirements and I would get the promotion value in a short time. However, the promotion value did not show up after a long time, so I asked again multiple times via phone and via secure messages in web service. Every time, I was confirmed that I was/am eligible for the promotional {$350.00}, and I just needed to wait while longer. This conversation went on and on. The first inquiry started at the end of  XXXX , and the most recent inquiry is  XXXX / XXXX / XXXX . They still say that I 'm eligible for the promotion, and I need to wait. At some point, they gave me some specific date that I would get the promotion, like  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , but those never happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX - I applied for a home mortgage at Bank of America, completed all the paperwork, and was told 'everything looks good by Sales Associate XXXX XXXX . 

XXXX XXXX - XXXX called to get my credit card number to charge {$470.00} for an appraisal. 

XXXX XXXX - XXXX called and told me the underwriter denied my loan because he 'did not FEEL ' my situation merited a short sale. ' ( Note : I was applying for a morgtage, not a short sale ). There was no further explanation. XXXX was very terse, not his usual business voice. I was too stunned to ask any questions, so I hung up. 

XXXX XXXX - I Faxed a letter of appeal to XXXX XXXX, Vice President and Sales Manager, asking for, among other things, an objective explanation in writing for the denial. He emailed me that he would send it to the manager of UW ( underwriter? ) department. 

On XXXX XXXX - I emailed XXXX to ask when would I receive my refund of {$470.00} for the property appraisal since the loan was denied and the property was not appraised. He emailed he would take care of it. 

XXXX XXXX - I called XXXX to find out who I should call to find the status of my Appeal Letter. I got his voice mail advising callers to call his associate, XXXX XXXX. I called XXXX and he said the files show my loan as PENDING, not denied. He said the underwriter was waiting for additional documents. I told XXXX I had emailed the said docs to XXXX on XXXX XXXX but would resend them. XXXX said I should hear something by Tuesday, XXXX XXXX. 

XXXX XXXX - Called XXXX and left a message ; Called XXXX and again asked status of loan/appeal. He said the loan had been CANCELLED and the underwriter said I had garnishments, foreclosures, bankruptcies late payments, etc. 

I had a short sale 2 1/2 years ago and XXXX XXXX discharged the loan because of a medical hardship. XXXX knew this at the beginning and thought it might be acceptable to the underwriter. In fact, he indicated a former underwriter in his department looked over my docs and thought my issues " merited a short sale, that things looked good. '' I have NEVER had a foreclosure, late payments, etc. If that was the case why did XXXX accept my application in the first place? 
I told XXXX that was absolutely NOT TRUE and if that was the case, why was n't that information on my credit report and how could I have a credit score of XXXX. He said he did not know, he was just the messenger and he would have XXXX call 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 monetary relief
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: It some company keep calling my job all the time trying to take legal action. They said that they court summoned me, but I never received nothing to go to court. In addition, they are asking what my HR name is and are trying to fax papers to try and garnish my check. The number is ( XXXX ) XXXX ext. XXXX or XXXX ( XXXX ) XXXX. Her name is XXXX and I have no clue what 's going on. I need for her to stop calling my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Conventional fixed mortgage) with WATERSTONE MORTGAGE CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I have been a Chase Bank customer for 8 years. Over that time, I have paid a high number of overdraft fees and monthly fees to the institution. I feel that these fees are unfair, unethical and a predatory practice by Chase bank. 

I have paid to chase in excess of {$150.00} in overdraft and monthly to chase fees in 2015 and much more over the course of my account being open. In the past 3 weeks, I have been charged over {$130.00} in overdraft fees on XXXX separate days where funds were unavailable in my account. In these XXXX cases, even though I transferred in money to cover the balance, Chase will not forgive the fees as Chase has refunded fees to me a total of 6 times in the past 2 months. Chase says that they have already refunded me {$200.00} in the past year, so they are entitled to any fees in the future, including this {$130.00} and any previous fees where chase only gave a partial refund. 

I do n't understand how a bank takes money from people who do n't have any to begin with. My account was overdrafted because I am struggling without money, not because of mismanagement. I even went to the branch and told them my story and how I was out of work and just started a new but Chase only relies on their computer systems and their system does not allow branch managers to refund a customer more than 6 times, even if the customer is showing financial progress, or if those charges came during a time of stress for the customer. Even though I turned overdraft protection off, Chase still charged me overdraft fees for ACH payments. 

I feel that this is unfair and unethical. This bank 's practices are specifically designed to be predatory and take advantage of people who are facing financial hardship. The excessive overdraft fees, charged multiple times a day are incredibly damaging for anybody who is trying to crawl out of financial distress. This is in addition to a $ 12 monthly fee that chase charges customers who have a balance below a certain amount. Chase bank 's goal is to keep these customers close to the brink, so that they can continue profiting off of these predatory fees in the future. For example, while my account had a balance of - @ XXXX, chase charged me another monthly fee of {$12.00}, resulting in a negative balance of {$15.00}. If I do not pay this - {$15.00}, which was caused by fees from chase, chase will charge me another {$35.00}, and then {$15.00}. This is disgusting. 

I lost my job in XXXX 2015 and found a new job in XXXX 2015, during that time I have had financial difficulty and hoped that my long relationship with Chase, in addition to the countless fees I have paid to the bank, would mean something to the company and that the company would support me in this time to stay afloat. Instead, there is not even a partial refund offered and the bank refuses to address the issue past their computer system. 

On top of that, as my account had a low balance, chase took an additional {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I paid {$7000.00} on the balance on my US Bank FlexPerks Visa. This brought my balance down to {$13000.00} with a revolving line of credit of {$20000.00} I made this substantial payment as part of my ongoing effort to lower my credit card utilization from 100 % to roughly 67 % thus working to improve my FICO credit score. 

I received a letter dated XX/XX/XXXX from US Bank stating that they are decreasing my line of credit to {$14000.00} " effective immediately ''. 
This action taken by US Bank unfairly puts my utilization back to 98 % with my balance owing at {$13000.00} Instead of a positive acknowledgment of making a large payment, I get kicked in the gut by US Bank. This is an outrageous way to treat a long-time customer since XX/XX/XXXX who has a lot invested in US Bank : my business account, personal checking account and a Home Equity Line of Credit ( HELOC ). 
This treatment by US Bank has caused me pain, suffering and anxiety that is beyond words. It 's this oppressive behavior from US Bank practices that has earned them a Consumer Reports rating of 1 star! 

I am considering closing all of my accounts with US Bank and taking my business to a competitor that actually treats their customers with decency as a human being. 

By the way my credit score is not XXXX as claimed in the letter. It 's XXXX and will continue climbing since I have paid off 4 credit cards and my XXXX lease too.

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 02/21/2017 about Bank account or service (Checking account) with FIRSTBANK PUERTO RICO (NY).
Issue: Deposits and withdrawals

Complaint: I wired {$2200.00} into my account at First Bank Puerto Rico on XX/XX/2017. As of today, XX/XX/2017, it has not been credited or returned. I have made numerous telephone calls and emails to the bank but have been ignored. When I do speak with them, they are dishonest and disingenuous, claiming that it is " illegal '' for them to speak with me. It is illegal for the bank to convert my money and not return it to me.

Company response to consumer: Closed with explanation