milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with Harpeth Financial Services, LLC (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: In 2015 a " flex loan '' was taken out in my name. I did not do this. My mother did, she was able to because the person working at the advance financial location, on XXXX XXXX, in XXXX Tennessee was buying XXXX XXXX from my mother and did this as a favor. This loan was put in my name and I was not even present. I attempted to pay this off instead of just pressing charges. I made 8 months worth of payments and the balance due actually increased. I called the 24 hour number and was advised, by a supervisor, that when the flex loans first came out no one was properly trained. So the only way to pay the " flex loan '' off without paying a 300 % interest was to pay it all at once. I had been making the minimum payments ( XXXX biweekly ) and nothing was bringing the balance down. I was told that since this was fraud, and the individual who processed the loan was fired for not verifying people 's identities prior to approving loans, that I did not owe any more money. Fast forward to today, 2 years later, and I get an advertisement from some random attorney that advance financial has a pending lawsuit against me for the amount due. I did n't take this loan out, and I was n't there when it happened. I saw no money from this loan, it was done fraudulently. Advance financial was aware of this because they terminated the person doing it. I 've not heard from this company in over two years and today I find this out by way of an advertisement. This should be illegal. I called advance financial and the guy could n't tell me a thing because there was no information on any loan for me. I was given a number to call in XXXX, TN which is 2 hours away. The local store denied knowing anything because it 's been so long, and now I may be stuck paying something I did n't do, as an unemployed mother to XXXX XXXX XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I hired XXXX XXXX XXXX " XXXX XXXX '' at XXXX to act on my behalf to renagociate ( XXXX ) interest rates. On XXXX of my cards, XXXX XXXX, I chose to close the account, stop interest charges and pay off debt. I was told that this would be reported as account closed by consumer. This did not happen. Per XXXX and Equifax this account is reporting as closed by credit grantor. When I contacted the firm working on my behalf, I was told that this information is incorrect and that this has never happened. I assured them that it does and that it did. I was told that it was to me to get this reporting corrected. I have no way of knowing how to do this. This firm was paid very good money to protect my credit rating yet a problem occurs and it is not their responsibility? how can that be? I do not know how to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Medical) with Simon’s Agency, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I qualified for a deferment for my XXXX 2017 payment for my auto loan with Wells fargo dealer services. The deferrement forms were sent via email. However, the attachment with the file would not open. I called back and asked for the forms to be mailed to my address. They never arrived.However, I did recieve a statement on XX/XX/XXXX. I was hoping that these were the forms I had asked for. I immediatley called Wells Fargo to ask where my deferment forms were. I was told that it was now 46 days since my payment, and the deferment was only good up to 45 days.This is unacceptable, I have done my due diligence to aqcuire the forms necessary to process this simple procedure. Wells Fargo, has made it impossible to meet the requirements that they have set up.

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 Payday loan () with Big Picture Loans, LLC (MN).
Issue: Received a loan I didn't apply for

Complaint: A credit of {$1000.00} was made to my bank account by Castlepayday. I did not apply for any loan. I contacted the bank & they instructed me to call Castlepayday which I did. They verified all the information, told me a debit would occur on XXXX/XXXX/15. Today the bank called and Castlepayday debited XXXX. I again contacted them and was told the additional XXXX was interest amount on the XXXX loan. They again verified the transaction and I was told that the XXXX would be reversed along with a XXXX fee because their action caused an overdraft at the bank. I was told the first action occurred because of an error in typing the account number by one of their employees. But to then make a XXXX mistake is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Re : XXXX XXXX XXXX, LVNV Funding LLC . 
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. 

I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. 
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. 
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. 
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. 
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. 
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: On the XXXX of XXXX, 2016, I went to the XXXX XXXX XXXX branch of Wells Fargo bank to make a money transfer. I explained to the personal banker that my friend in XXXX has asked me to transfer this money to his friend ( XXXX ) in Ohio who is in distress and needed the money urgently. My friend in XXXX was going to refund the money to me the following week. 

He banker successfully made the transfer for me ( evidence attached ). My friend informed me XXXX had not received the funds after two days and I went to the bank on XXXX of XXXX to inquire that. The banker told me it takes three working days for the funds to hit the recipient account, and that he should be expecting the funds by Tuesday. 

Basically, as I write this complain, XXXX has not received the money, and Wells Fargo is not doing anything to get my funds back to me even when I have since requested for the transaction to be cancelled and my monies returned to me. The recipient has borrowed monies elsewhere to solve his problem and asked me to get my money back since it could not come on time. 

Wells Fargo continue to tell me the funds have been sent, yet XXXX who are the bankers of XXXX deny receiving any funds from me on all the three occasions that XXXX went to inquire about the funds, the last of it been XXXX of XXXX, 2016. 
I must emphasize that, I do call Wells Fargo on phone to talk about this almost every day, and have gone to the branch I made this transfer on countless occasions. 

I needed this money last week ( in addition to a delta voucher I have already ) to get a ticket to visit my family ( in XXXX ) during the XXXX. I could not get the money and now prices have shot up since then and continue to go up since. 

Why would Wells Fargo treat a poor international student from XXXX in this manner?

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: 609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Watertown Credit Bureau Inc (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of watertown now this XXXX thing is now from XXXX -- - origionally did give credit bureau of watertown the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX

Company response to consumer: Untimely response
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX XXXX, XXXX, the promotional balance is at {$1500.00} and is not due until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I have made a purchase of {$1200.00} ( see attached ) and selected the 24-month financing, at that time the balance was at {$2700.00}, calculated from the available credit of {$230.00}. On XXXX XXXX, XXXX, I have made about 5 more purchases on Best Buy with the total of {$960.00}, I was getting some denial message at that time, upon checking with customer service that was due to insufficient credit line. I have immediately made a payment of {$100.00}, as well as on XXXX XXXX, XXXX, a payment of {$1000.00} to make sure those five transactions can go through.On XXXX XXXX, XXXX, the account balance was at {$2900.00} with the available credit of {$63.00}. On XXXX XXXX, XXXX, I have made a purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX. - Now it shows I have a balance of {$3000.00} but the promotional balance is at {$1600.00}, meaning I will need to pay {$1300.00} in the upcoming statement to avoid interest, but in my calculation, that : - If {$2700.00} is not due until XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, made some purchases on XXXX/XXXX/XXXX for {$960.00}, and paid off {$1100.00}, the promotion balance should still be at {$2600.00}, meaning I should only need to pay the purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX, for total of {$240.00}.

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 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion began an investigation of XXXX., account # XXXX on XX/XX/2017 but did n't complete until XX/XX/2017 beyond the 30 day time period allowed by FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX *Refinanced my adjustable XXXX XXXX to a 20yr FNMA fixed through a mortgage broker around XX/XX/XXXX. *PennyMac bought the loan # XXXX. *XX/XX/XXXX PennyMac performs an automatic withdrawal from my account in the amount of {$1300.00} for Home Owners Insurance Premium which they claim they did not receive from my XXXX XXXX agent 7 months earlier. They never tried to contact me to warn me, they just made the withdrawal. I called to reconcile, XXXX XXXX showed proof they had included the paperwork back during the refinance. PennyMac credited my account back the {$1300.00}. *XX/XX/XXXX PennyMac performs automatic withdrawal of monthly mortgage payment with an increase of {$300.00}. I called to inquire, the Escrow / Insurance department claims they were not aware of my {$170.00} per month HOA payments and requested a copy of the Master HOA Condo Policy and said they had created an " Extra Miscellaneous '' account to pay for this. They asked that I upload the policy to XXXX which I did that day. That was back on theXX/XX/XXXX. They said they would credit the {$300.00} back. *I have since twice filled out their " contact us '' section in my online account and heard nothing back. *Today, I call again and customer service tries to tell me that my escrow has a cushion of roughly {$1000.00} dollars and they do see the extra miscellaneous account that was set up, then proceed to try and negotiate a payment with me!? This made me very nervous, hence my submitting a complaint to your department. *I was a long time XXXX for XXXX XXXX XXXX in the XXXX department under XXXX XXXX and understand the relationship between CFPB and the banks. *I am speaking with XXXX XXXX in the PennyMac Escrow / Insurance department now and she is assuring me it was an error and is requesting an  escrow audit on my account. She is not sure how much the credit will be as of yet and tells me I will receive a letter within the next week. *My concern is that this is the second time in 6 months that PennyMac has randomly charged me vast amounts to the account and then I have to initiate reconciliation. <P/>Let me know if you need any further details and thank you for the help! XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).

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 09-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016, I deposited a check via in the amount of {$1200.00}. While I was in XXXX, a person by the name of XXXX XXXX stole my check and deposited it into their account on XXXX XXXX, 2016. 

Chase Bank then withdrew {$1200.00} from my account as a memo debit and I inquired about having my funds returned. I asked to speak with fraud and to file a claim but they told me that they were not able to file a claim at all since the thief has the physical check. The check was issued to my name, " XXXX XXXX XXXX '' but Chase was unable to help with my issue. I filed a notarized document with the issuer of the check and have yet not received any feedback if my funds will be returned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (FL).
Issue: Getting a line of credit

Complaint: PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: I was supposed to get paid on XXXX XXXX. Today is XXXX XXXX and I still have not received my direct deposit. My car was scheduled to be towed, rent never paid and several other bills due including daycare. I had to stay home from work. Rush card then cancelled my check and sent it back to my company two days before notifying me, which then took an additional five days to be mailed. Therefore I am still not paid

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I mailed the credit bureau in XXXX. It is now XXXX and they have not responded.

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