milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.

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 10/14/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Account opening, closing, or management

Complaint: I closed my account at Huntington Bank in XXXX on XXXX XXXX XXXX and they kept it open and continued to bully me through unauthorized usage of my account which is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX at around XXXX XXXX I received an alert that my credit had been pulled by XXXX XXXX XXXX. I promptly called TransUnion and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call XXXX XXXX. When calling this number it goes to XXXX. The rep for XXXX XXXX l gave me the number to XXXX XXXX XXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out what/who XXXX XXXX XXXX is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by XXXXXXXX XXXX XXXXl at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by XXXX XXXX XXXX and or TransUnion.

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 09-12-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: Paypal has froze both my personal and business accounts since XXXX. The only response I have is " We would like to learn more about some of your recent transactions. '' I have been on the phone with them multiple times and can not get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The company equifax have in my credit multiplie account for the same amount and the same company and the account is already paid

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (NY).
Issue: Taking out the loan or lease

Complaint: I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (MN).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: Early Warning Systems does not have a FREEZE option available to freeze my information being shared to a financial institution. They are a consumer reporting agency, I think they should be required to have the Freeze option.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and the recent XXXX data breach. Theres 3 credit card accounts on my XXXX and Experian credit report that are fraudulent, unauthorized, dont belong to me, and the result of the XXXX data breach. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$13.00}, XXXX, XXXX XXXX, {$12000.00} and XXXX XXXX {$3.00}, these accounts are all fraudulent. I have contacted my 2 U.S. Senators from Arizona, XXXX XXXX XXXX XXXX XXXX in regards to the above accounts on my credit report. XXXX XXXX and XXXX promised me they would look into this matter and seek a resolution for my complaint and issue. I have sent numerous complaints to Experian and XXXX about the above accounts being fraudulent, unauthorized and on my credit report due fraud and the XXXX data breach as well.

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 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: This is fo r Citi Cards On   XXXX   XXXX , i tried to make a payment in the amount of {$5.00} ... whenever i have any extra money i immediately put it towards paying down my credit cards. I tried  two or three ti mes, but kept received an error that the website was down.     On  XXXX   XXXX , i decided to try it again. I noticed immediately I had a pending payment to them for  XXXX . I called right away to fix the problem and cancel the payment. I kept getting jerked around and transferred. Then told there was nothing they can do and to call my bank and they had to fix the problem. I called my bank ... .citi lied to me about that. We conference d in citi again  and we were told yet again they could n't do anything EVEN THOUGH I DID NOT EVEN MAKE THE PAYMENT.   On the morning of  XXXX   XXXX , my account was over {$1000.00} in the negative. I reached out  to Citi 's   social media and they had a "  specialist ''  call me. Again, after sitting on the phone and wasting my time, we once again conferenced in my bank ( who luckily is helpful ). I was promised yesterday that they would expedite their error and would be in my account today.   Again, i woke up this morning,  XXXX   XXXX  and not only was my account still in the negative, but now my NSF fees have hit.   This is disgusting and deplorable.  Citi Cards  committed fraud and need to pay for this. They are liars, they do n't care about the consumer, and they stole money out my account THAT I DID NOT AUTHORIZE.

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 04/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I deposited several checks in my Wells Fargo checking account with the total deposit amount of {$3500.00}. The bank received the money and credited my account, however XXXX months later told me some of the checks were later lost and withdrew {$1500.00} from my account. Now I am required to figure out which checks were lost and I have to prove the checks were not honored and prove that Wells Fargo did not receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had my report pulled XXXX XXXX, 2015 and discovered some items that were either not mine own personal debt or unverified information. XXXX Acc # XXXX I have been in contact with XXXX XXXX XXXX and I was told that this account was not found in their records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (MT).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX, my business partner and I purchased a XXXX Jeep Wrangler Rubicon from a person representing himself as the rightful owner. The vehicle was accompanied with a Clear, Lien Free title which we were able to verify with the state of XXXX in which the vehicle was title. We sent the title off to our agent in XXXX where we operate a business. A week later, our agent in XXXX notified us that the vehicle had been reported as stolen. How can this be if we have possession of the vehicle with a lien free title? After investigating this matter further, we discovered the previous owner, now referred to as Gentlemen XXXX, had a loan balance with CHASE BANK exceeding {$37000.00}. Gentlemen XXXX offers to purchase the XXXX Jeep Wrangler from Gentlemen XXXX and submits payment to Gentlemen XXXX in the form of a check, what type of check we do not know. Gentlemen XXXX then sends check to CHASE BANK to pay off his auto loan. 

CHASE BANK chooses to release the lien from the title, without placing a hold on the check. They did not allow it time to clear, as they 're company policy requires. Check is returned as a bad check. The premature lien release from CHASE BANK allowed the XXXX gentlemen to gain possession of the vehicle along with a clear title after apparently writing a bad check for the XXXX Jeep Wrangler. The premature lien release from CHASE BANK allows the XXXX gentlemen to resell the vehicle to my business partner and I without reason for suspicion. CHASE BANK is claiming no responsibility for the matter, in fact the customer service person in their fraud department I spoke to stated, " it is our policy to release a lien on a vehicle immediately once we receive a check for the loan amount. '' Regulation CC of the Electronic Code of Federal Regulations allows banks to place holds on checks to prevent this fraudulent activity from happening. Under subpart C of the E-CFR, section 229.38, CHASE BANK is liable for any losses incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Other service problem

Complaint: Respected sir, I am a USA citizen and presently residing in XXXX, I want a transaction history of the amount that I have transferred to XXXX from USA. I have contacted the bank but they could not provide me the same. I am fighting a litigation in XXXX and this is very important for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: I got approved for HAmp modification and partial claim. 
XXXX trial period they stated was for 4 months from XXXX/XXXX/2015 thru XXXX/XXXX/2015 but, pmnt wa XXXX $ XXXXper month. problem was they continued to leave the normal pmnt of {$1400.00} per month and this diference of {$220.00} was going to be put on my credit as 30 days late based on the 4 months trial period I would have been late 120 days late. I discussed it with loss mitigation and they stated I could pay for the trial period up front and thee would not be any latenesses. 
Unfortunately Nations Star has done this to thousands of persons. I you are XXXX pmnt behind on your mortgage and request a modification under hamp that means your credit will reflect anywhere between XXXX pmnts late and that will result in a foreclosure plus all legal cost among other things. heavens knows how many forclosure they have created. nations Star is a servicer/collector and has been scaming people. 
They took my 4 months pmnt and never added my XXXX scrows to my account. then they added a interest of {$2000.00} XXXX and reverse it same date. 

My Hamo modification was approved in XXXX I paid trial period XXXX/XXXX/2015. 
I started so many emails to no avail same response and lies from the personel as well sttaing that they were part of scrow dept/lossmitigatiom/socialmedia/insurance/modification and mad ebeleive they would transfer you. 
On yanuary I even got anotgher Hamp modfication with a trial period from XXXX and interest of the same amount as the {$2000.00} that wa sreverse and added to my partial claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had my loan for 11 years and somehow still owe XXXX more than what was distributed ... I 'm currently on a payment plan and keep getting noticed that I 'm behind this is out of control

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I noticed that I had a split file with Equifax. I contacted them and had the files merged together, but there were XXXX accounts reporting that had previously been deleted. Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I called and requested to have the accounts deleted and was told no! I notified Equifax in XX/XX/XXXX that I had been a victim of identity theft and provided them with the police report and all requested information. They were prompt in correcting my reports then. Later, in XX/XX/XXXX I suffered a split file on two ( 2 ) separate occasions. Both times Equifax stepped up and fixed it quickly removing all previously deleted items and restoring my good name. However, there seems to have been a lapse in handling. It is n't my fault that I have a split file and it never happens with any other credit reporting agency. I 'm simply requesting that Equifax delete the previously deleted files from my credit report immediately. The accounts are : XXXX XXXX XXXXShow Details XXXX XXXX/XXXX/XXXX {$6300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREEDXXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$1900.00} XXXX/XXXX/XXXX {$830.00} n/a $ XXXX XXXX XXXXHide Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: 1 )   XXXX   XXXX  is still reporting my BK filed in  X/2008 . The law at the time of filing is 7 years but was later changed to 10 years not retroactive. Should be removed from my file.    2 ) In quires not authorized by me are on my file and should be removed and have not been removed.    3 )  Disputed accounts have not been removed after the 30 day limit to respond by the creditors Thank You  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was revoked my XXXX credit cards by CHase and there are still many fraud charges not credites back. I request CHase to give me and re activate my credits or let apply to new ones without this negative history being considered in the process of opening a new card and applying for it. I also request Chase to refund me the XXXX dollars they still owe me.

Company response to consumer: Closed with explanation