milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Wells Fargo took all payments I designated in writing that were to be applied to the principal ( extra payments ) and did not apply to principal. My loan is fully paid but they owe me several thousand dollars. I called more than 10 times trying to get the situation straightened out. Usually they said it was fixed but it was not or they hung up one me. <P/>They sent an unacceptable explanation that did not address the issue then refused to answer the 15 calls I made since I filed a complaint here. THEY HAVE NOT ADDRESSED THIS ISSUE yet the case was closed with their explanation that simply showed my payments and even showed that they indeed did not apply the payments to the principle as requested which is the entire basis of the complaint!! <P/>Why was the case closed without being addressed? <P/>**attaching proof of my payments is not answering the problem. They refused to apply my extra payments to principal regardless of how many times I called and asked. I was told the payments were applied to principle then when i found that they were not i was then told it was too late. This is unacceptable.

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 01/17/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MN).
Issue: Fraud or scam

Complaint: I recently sold an item on XXXX which requires a paypal account to do. On XXXX XXXX paypal closed my account and informed me I would n't be able to send or receive any payments on that account. On XXXX XXXX the item on XXXX  sold and the buyer paid and paypal accepted the payment into my account even though it was n't supposed to. They then proceeded to tell me that because my account was closed they were going to hold my money for 6 months before they would let me have it. Today XXXX XXXX I was able get a supervisor to agree to let me transfer my money to my bank account I had linked to my paypal. I tried several times to transfer it but the system would n't let me so I called them again and the agent then said that I would n't be able to transfer the money because they reviewed and closed my account today and were going to hold the money for 180 days. I told them that the account was closed on the XXXX and I the supervisor named XXXX had lifted the limitiation and i was supposed to be able to. She said according to her records the closure was from today and nothing would or could be done. I then referenced the email from them at XXXX XXXX saying I could transfer my money out. She would n't listen i then referenced their own user policy which stated that an account owner would be given an opportunity to transfer out any funds before they closed it. She did n't care. The money should have never been allowed to go into the account to begin with and they new that that 's why they pretended to let me transfer the money out only to a few minutes later re block it. So they could then claim the closure came after the f Money was added and could then keep my money for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle lease) with UBER TECHNOLOGIES INC (CA).
Issue: Taking out the loan or lease

Complaint: I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Consumer Loan (Title loan) with TMX Finance LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: 21 % interest rate. Stating a loan in the past was not paid which is incorrect. The loan in the past was paid in full within the first month.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing

Complaint: I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.

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 11/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint on Wells Fargo BankI caution anyone attempting using Wells Fargo Bank for a home loan or applying for modification! After a family hardship and falling behind on my payments, I started seeking a loan modification from Wells Fargo Bank, starting over two years ago. In this past year I was denied XXXX complete times, getting XXXX complete different reasons after each appeal. My first denial I was told by Wells Fargo I owned a company and made too much money. ( I have never owned a company in my life. ) The second denial was because I did n't make enough money. ( I know by the guidelines I do. ) Then I got denied once again because I have equity in the home. While speaking with Wells Fargo employee two days ago, they came up with another reason stating, " It is a interest bearing loan '' and " The loan is too far behind for modification ''. I have also been told by Wells Fargo employees such statements as " If your modification comes across my desk again, I 'm not dealing with it ''. Another statement by a Wells Fargo employee was, " That its important that I make my house payments or I would not be in this position ''. I feel these statements were very inappropriate! I feel that if Wells Fargo would of been legitimate this modification could of been done a year ago. Now I have a sell date on my home on XXXX/XXXX/2015. I am meeting with lawyers on XXXX/XXXX/2015 to see where I can take this. I 'm not asking to live anywhere for free. I just want to get back to making my payments and keeping my family in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MI).
Issue: Managing the loan or lease

Complaint: I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had a checking account with USAA and insurance. I had trouble paying my insurance, but when I tried to handle the situation I was dismissed from the company due to Bank fraud from XX/XX/XXXX. I had been with USAA and paying my insurance and all, but never contacted or emailed or even mailed a letter on bank fraud ever happening to my account. I tried to speak with customer service and fraud prevention as well. I was always passed around and put on hold for hours. I was told to contact the company in three days. I never could get any information on the bank fraud and why I was dismissed from insurance and USAA altogether. This year XX/XX/XXXX, I received two XXXX in the mail from USAA, and I found out that they are claiming I have received funds from them in the amount of {$980.00} and {$1900.00}. They also checked on the form I was personally liable for the debt and I had no clue I had any debt with the company. The only information the bak can tell me is that the fraud was done in XX/XX/XXXX. I did not find out about the fraud until XX/XX/XXXX, when trying to figure out what happened to my insurance claim and why I was dismissed from continuing business with the company. I am filing this complaint because this was not handled properly or even investigated by the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received Alert for my credit bureau alerts stating I have an open account and failed to pay to XXXX. I closed my account with XXXX and due to previous collection tactics I was told to deal straight with XXXX phone serivce due to previous problems with collection shrewed tatics, threating court ect. I have been in communications with XXXX XXXX paying the last balance of my account which is XXXX. I 'm was confused when I received an alert from my credit montntoring agency that states that Convergent Collections indicates that they have been attempting to collect a debt in which I never received correspondent especially since I have been dealing with XXXX and paying by check. In order to report to the credit bureaus of XXXX, they must show that they have been in contact with my debt in an extensive time, I fails to make any attempt to pay my debt, which is crazy cause i have a check for last months agreement of XXXX cashed out by XXXX. I have no written correspondence from Convergent or any contact with any rep, or even a written correspondence to dispute any amount. Under fair credit reporting jaw can you submit to XXXX Credit bureau without any documentation, phone call or any correspondence and then report on my credit without any written correspondence. Under fair credit reporting is is unjustifiable, especially since I was and have paid a whole XXXX balance and have been speaking to XXXX even when they reported this to XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (AL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a letter dated XXXX XXXX, XXXX from Fidelity Information Corporation for a an outstanding balance to a XXXX that I do now owe. I responded via certified letter mailed on XXXX XXXX. XXXX disputing this balance and requested verification documents. The certified letter was signed for on XXXX XXXX, XXXX. I specified in the letter that I wanted written response. I have not received any written or oral communication with this debt collector until XXXX XXXX, XXXX at XXXX. The agent said she was with Fidelity Debt Collection and was attempting to collect a debt. I told her I had an open dispute and that I mailed a certified letter back in XXXX. She said she had no record of that letter and that it was impossible since they just received the account in XXXX. I then read her the letter that I received from Fidelity Information Corporation and the date. I also told her of the certified letter I sent. She said that was a different company and the XXXX companies had since merged. I told her that was not my problem, since I still have never received any materials and that I also requested to only be contacted in writing. She eventually hung up on me. I called back attempting to sort the matter out, they asked for verification of my SSN and I told them no, as there would be no way they would have my SSN relating to this balance as there was never a contract or documentation with my SSN or DOB. I told the agent that if she verified she had my SSN that I would verify the last XXXX digits, she then verified that she did not have either pieces of information. I then spoke to a XXXX XXXX that informed me that they would come after me with this debt and that the letter I sent meant nothing since it was with another company. I then told him to not communicate with me except in writing and that I would be contacting my attorney regarding this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/25/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There are  XXXX  different cases that I am reporting on but involving the same company. The first case is regarding a charge that I received from  XXXX  stating that they did not feel as though a  XXXX    XXXX   was necessary so they would not cover the expense. The test was required by my doctor so I filed an appeal for  2 di fferent bills that they ended up sending me to the collection agency for. I told the collection agency that I had filed an appeal but I still received the notice that you will find attached.       The second case is regarding my medical coverage from my previous employer. I was wrongfully terminated on   XX/XX/XXXX   which was when my medical coverage also ended. I had gone to  XXXX  to get my prescription thinking that I was covered until   XXXX   which is what is noted on both termination documents attached. I had called  XXXX  who confirmed that it ended on   XX/XX/XXXX   and there was nothing that they could do so I had to pay out of pocket and was also charged for a visit that occurred within that timeframe. I was also sent to collection services because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: its Equifax again. i had student loans with XXXX that i made a complaint with the CFPB a few months ago. After my complaint was finished with XXXX, they reported the corrections to the CRA 's XXXX and Equifax. i looked on my credit report a week later and both XXXX and EQ had updated with the correct info on my XXXX XXXX accounts. a month or so later i looked at my credit report again and XXXX had he same corrected information listed yet when i looked a my EQ report the old wrong information was reinserted back on my file. i called about this but nothing was done. Being a disabld veteran im continually exhausted with all the corrections i have to fight with EQ. they need to be fined or sued. ive called a few times, but always get overseas call center that do nothing. the XXXX XXXX accounts were updated because my student loans were forgiven. because of being XXXX. EQ needs to reinsrt the correct info on these accounts. the latest status is paid as agreed. Im sure i will get the runaround because EQ always does they will say that they will dispute with XXXX. im not disputing XXXX its EQUIFAX. EQUIFAX IS THE PROBLEM. IF THEY DO NOT CORRECT THIS IN TEN DAYS I WILL SUE THEM FOR CONTINUALLY REPORTING FALSE INFO THAT THEY KNOW IS INCORRECT. IM SICK OF IT!!!!!!! 

Also when you dispute an account with EQ they leave in the remarks that consumer disputes account resolution forever and never takes it off the report. So if you disputed something last year its still on your report as being disputed. this is problem when buying a house because the lender does not know if the account is being disputed or not. im trying to buy a house. EQUIFAX DOES NOT CARE THEY DO WHAT THEY WANT. THE OTHER CRA 'S ARE FINE BUT EQ IS ONE OF THE WORST COMPANIES IVE EVER DEALT WITH. i also have some documents to upload that shows the corrected report then back to the old wrong report

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX, Equifax, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Bank, XXXX, XXXX Bankruptcy Chapter XXXX, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit determination

Complaint: I applied for a Chase Sapphire preferred card around XX/XX/XXXX at the XXXX XXXX XXXX XXXX branch office in XXXX, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only XXXX inquiries including this application. I wrote to the branch manager on XXXX XXXX but did n't receive any response. On XXXX XXXX, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Chase when it rejected my application.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: My personal information was stolen in the Equifax hack. The data breach was reported to have occurred in XX/XX/XXXX, and only now ( XX/XX/XXXX ) I am finding out about it.

Company response to consumer: Closed with explanation