milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Yesterday, XX/XX/XXXX, I received a text notice from Wells Fargo that my checking account balance had gone to XXXX  after an unexpected auto-payment from a credit card had posted. 

I went to Wells Fargo 's banking portal to see what had happened to the account, and say that {$160.00} had been auto-transferred from my savings to my checking account, bring the account balance to XXXX AFTER the incoming payment had been paid. 

I manually transferred an ADDITIONAL {$100.00} from checking to savings to bring the account balance up to {$100.00} ( which the account portal reflected, after completion ).

This morning ( XX/XX/XXXX ), I received another XXXX balance message from the bank. I went back to the portal and found that the bank had REDUCED the amount of the overdraft transfer from the previous day by the amount of the manual transfer that I had made, leaving the nominal balance at the end of the day at {$0.00}, despite my actions. 

Then, when an ( expected ) check for {$45.00} came through, they triggered overdraft protection AGAIN ( including an overdraft fee ). 


I spoke to their customer service about this issue, but they refused to waive the overdraft fees from the second day. 

This is predatory behavior, even if the amounts involved are not large. This is functionally equivalent to the charge reordering that banks used to do in the pre-CFPB days : Wells Fargo 's policies and procedures are designed to generate additional overdraft fees. It also means that the transactional activity displayed on their web portal is fictional -- the automatic account transfer shown to have taken place was altered by the bank between the time it was displayed on their banking portal and transactions were applied that evening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Student loan (Federal student loan servicing) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Money transfers (International money transfer) with CITIBANK, N.A. ().
Issue: Other transaction issues

Complaint: Employee Name : XXXX XXXX Recipients : XXXX XXXX ( self ) Recipients Bank : XXXX XXXX XXXX XXXX Confirmation Code XXXX Date Deposited XXXX/XXXX/2016 The questions is there any mistake in my personal details as why this deposit has been refunded back to my XXXX by CITI Bank. 

The XXXX other transaction I made on the same day went through. as of this moment I have n't heard nor received any return from the XXXX transaction I made Which is the recipients XXXX XXXX ( XXXX ) and XXXX ( XXXX ) XXXX as well. 


Please kindly enlighten me of the real status of this transaction. 

Respectfully Your ' 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 monetary relief
Consumer complaint received 03/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Settlement process and costs

Complaint: We closed a re-finance loan XX/XX/XXXX. We pay our own property taxes and informed the lender and the lawyer. The closing documents showed that property taxes were held by the closing office, even though we submitted proof that we had paid the taxes XX/XX/XXXX. We were told not to worry that the {$790.00} held by the closing office would be disbursed to us when our money was released. That did not occur. I attempted to contact the law firm, but they never responded. I contacted the mortgage company. They responded, but did not have the authority, I believe, to correct the situation. At this point, it would be nice to recoup the money improperly withheld by the law firm, but I am lodging the complaint to make people aware and to check the numbers as the monies are disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX XXXX ( XXXX, Ga ) is a for -profit school that is holding my transcripts hostage for what they claim I owe {$3900.00}! I attended this university in good faith for XXXX years until suddenly I " maxed out '' my financial aid. Now, it 's kinda odd that this would happen when I 'm XXXX credits into my XXXX credit degree program, but I 'm not the only one this seems to happen to. This school is STILL trying to make a profit off of me even though I could not pay out of pocket to continue my education with them. They are now preventing me from moving forward with my education and are hindering my quality of life!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX , I contacted TransUnion directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the TransUnion received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both Transunion & the original creditor via letters ( by mail ), disputing it on TransUnions website & through  XXXX   XXXX . I have sent  10 l etters starting in  XX/XX/XXXX and the last  three  I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX . TransUnion at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of TransUnions negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By TransUnions own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If TransUnion had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with TransUnion on  XX/XX/XXXX at  XXXX    XXXX  .  C.S.T., I  advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with TransUnion later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.

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 06-02-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I placed multiple orders for the same item.
<P/>
Due to Kohls general incompetence they did not fulfill the orders in full ( Cancelled earned Kohls cash before it could be used ). Any attempt at rectifying the situation with Kohls customer support was fruitless. They attempted to make multiple " manual '' orders to rectify the situation but any time these orders were placed, they cancelled them prior to shipping.
<P/>
I have attached a screenshot showing communication from a Kohls representative promising a credit of {$890.00} ( How they came up with that number, who knows ). This credit has yet to appear on my statement. I was even instructed that I NEEDED to go to a store and present two forms of ID to a store manager. After doing this in XXXX on XXXX17, the credit was still not issued.
<P/>
I would also like to note that I mailed in an official dispute letter to Capital One on XX/XX/XXXX. This dispute letter has gone unanswered and Kohls phone representatives refuse to let you speak with Captial One XXXXctly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service problem

Complaint: On XX/XX/17, I used PayPal to pay for tickets to playoff game totalling {$400.00}. I paid for the tickets but never received them. I tried to call PayPal with 15 minutes of making the payment but there was a 1.5 hour customer service wait so I opted for the call back. 1.5 hours later I received a call and spent 2 hours and talked with 3 different people ( 1 customer service, 1 something else, and 1 fraud department ). I was told by a representative of PayPal to call my bank and stop payment which was successful. I was also told by PayPal that  if they did n't receive funds from my bank that they would look to seller/receiver of the funds to return the $ and not me. I was told it would n't impact my account and there would be no penalty or fine on my account. Subsequently, my account was put to credit and collections so all the information provided to me by a representative of PayPal proved to be incorrect.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello- We were the victims of XXXX and subsequently were awarded money in a lawsuit that the CFPB ( yey! ) brought against XXXX for Mishandled loan modifications and delayed short sales. Our case is simple we were working on a loan modification with XXXX XXXX XXXX who our mortgage was with and our credit report shows when the loan servicing was suddenly changed to XXXX XXXX. From there everything went downhill fast. We were told we had two miss payments on the loan to qualify for a loan modification or before they would allow a sale of the home. Because of this several sellers walked away and we had to take a much lower offer. For these reasons and many others listed in the lawsuit. I believe that this account should be deleted from my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my Equifax and XXXX credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX, XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with FIRST HAWAIIAN, INC. (VA).
Issue: Account opening, closing, or management

Complaint: This is a complaint against First Hawaiian Bank for its grossly incompetent management of its supposedly new and improved website. I 've been a customer since approximately 2003, and I have never had problems with my account as bad as I have in the last few months with the roll-out of the new site. 

Tonight, I spent one hour trying very hard to access my account online and then trying to transfer funds. Along the way, I made two phone calls to FHB Online where I spoke with a total of four representatives. Not one of them had even the slightest clue of how badly the site was performing. Specifically, every time I tried to perform ANY operation, the site automatically displayed an error message. When I tried to make an external transfer FHB Online stopped the attempted transaction and said it would send a code to my phone for verification. But FHB never called my phone -- even after an hour. The broken system did nearly the same thing when I tried to ( re ) add my XXXX account as an external account. FHB displayed a message that my XXXX account credentials were invalid. ( Yet these were the same credentials that I have been using on my XXXX account for years. So there was nothing wrong with my XXXX online ID, password, or pin. ) But far and away, the very worst issue was my truly sad experience with " XXXX '' in the Online Banking Department. ( She said it was bank policy to refuse to provide her last name or even an employee number. ) Despite the incredible amount of time XXXX and I spent on the phone with her asking me the same questions over-and-over again, she could not understand that the FHB site was not performing as she expected it to. For example, she insisted there would be a blue arrow in front of my name. After asking me about this three times, I refused to answer the same question anymore. I had enough with the FHB site and its employees who were deeply in the dark about the site 's issues. 

There is obviously something seriously wrong with the FHB website. It is not performing adequately. While I was on the phone with FHB, I had absolutely no problem accessing my XXXX and XXXX accounts. So the issue is not my connection -- and hopefully not even my XXXX browser. Clearly my access to funds through the site is blocked. But I am far more concerned with FHB 's employees ' inability to troubleshoot, assist, or even acknowledge something is wrong.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage XXXX XXXX ( XXXX ). I have not went car shopping, and do n't know why it 's on my credit report. 
XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.

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 09/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Rent Recovery Solutions (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Rent recover solutions reinserted an account to my report without properly notifying me within 5 days which is against the FRCA. As previously discussed with this company, this is not my account, I am not responsible for this account, and I do not have a contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Prepaid card (Other special purpose card) with Blackhawk Network Holdings Inc. ().
Issue: Fraud or scam

Complaint: I received a prepaid visa from XXXX. The card expired but had a balance of {$50.00}. When calling the number on the back XXXX ( XXXX ) They said the money was gone and they could not reissue a card. I asked where the money went. They said " I would be only lying if I told you '' There seems to be no way to get any more information or resolution from them. 
XXXX basically gave them {$50.00} dollars in my name. 
I feel this is a scam as I tried to use the card before it expired at locations listed on the website, but the retailers I selected would not accept the card. 
Where did the money go?

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have a continuing, extensive, and well documented identity theft. Going back 14 years when I was age XXXX. Equifax refuses to allow me to receive my annual report, and denying me the right to dispute false information. Since 2010 I have attempted and been denied online, and via telephone, due to my inability to answer questions pertaining to my report. Who did I get a car loan from? Who is my morgatge company and payment etc. Information I would know nothing about as it was not me. Not have I ever applied for these products. XXXX and XXXX at least allow me access by sending in verifying documents, and file disputes with them. All items I have disputed have been found to be fraudulent and removed from my other reports. This is wholly unacceptable and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Payday loan) with PLS GROUP, INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: have asked to stop calling and bill me. Have asked to stop leaving voicemails, have asked to stop calling my references.

Company response to consumer: Closed with explanation