milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: In XXXX 2015, I transferred money to my son via Western Union. Today my son told me that he received a debit card in the mail! I have a problem with this. Obviously, my son was in need of money at the time, and I believe Western Union is using the transfer of money as an opportunity to scam, defraud or otherwise take advantage of the disadvantaged by mailing debit cards to those recipients ( with name and account number imprinted on it ). 

I am hoping the Federal agencies will step in to require Western Union to discontinue mailing solicitations to my son ( who is considered a " XXXX person '' under the XXXX and other landmark legislation ) and others who are similarly situated in the form of debit cards to incur a debt that he/they can not possibly repay! 

Since then, I have also been inundated with emails from Western Union and others. If I recall, there was an option to unsubscribe to updates and further communications. Yet, I receive spam from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Company verified they received my later on XX/XX/XXXX. As of yet the company has yet to validate the information on my Credit Report collections nor inquiries. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XX/XX/XXXX The Manager XXXX states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies ca n't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit report has an error. XXXX XXXX reports that my account with XXXX was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I submitted a claim with CFPB in  XXXX , complaint number is #  XXXX . I have not heard anything back, since speaking with a representative there and they informed me that they would submit my complaint to   XXXX   XXXX   for " incorrect name '' on personal information. My name is   XXXX   XXXX   XXXX  . My maiden name is   XXXX   XXXX  . I have no middle initial. My email address is  XXXX .     Thank you,   XXXX   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 non-monetary relief
Consumer complaint received 11/24/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The credit company contacted my Team Lead at my job looking for me and they wanted information about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Yesterday I received a call from NAVIENT because I was supposedly {$90.00} dollars past due and they called be to make a payment arrangement I told them my payments were on time and I did not have to make any payment until the  XXXX  of  XXXX , they told be that my payment from  XXXX  was reversed to my bank and I told them that my bank does not accept reverals because I have the  XXXX  account and once the bank makes the paymeny it automatically deduct the money from my account, the  1st  person I spoke to was very demanding saying that I have federal loans with them and did not let me talk, the 2nd person told me he did not know that and my payment was reversed for  XXXX  $ and I have a federal loan with them. I told him that I paid  XXXX  $ on  XXXX   XXXX  and  I donot have federal loans.with them because I only have privateloans. I spent  4  hours on the phone with the  3rd representative explaining the situation that on  XXXX  they said my student had a balance for  XXXX  for {$140.00} and from  XXXX  on they were going to increase because even I am fullimte graduate student I maxed out the deferment time and by  XXXX  my loan was going to increase which they had to give me the lowest I could pay which was  XXXX  $ and they told me I could make several payment if I can not pay the full amount of {$230.00} as long I do not pass the deadline to pay.     For  XXXX  I made  XXXX  payment an sent  XXXX  $ total, for  XXXX  I did the same and sent {$230.00} before the  XXXX ,  Yesday  my account appeared as past due. I do not know what they did but now I 'm supposedly have to pay {$150.00} for  XXXX  but today I just received a delinquency letter for the amount of {$240.00}. and the letter was sent to my cosigners again when my loans are on time and with no delays.     The have a lot of people putting their fingers on the accounts, they call you and said the payment was reverse and whatever comes to their mind and they put your account on past due even if the account is on time. They should not have people with no knowledge managing these accounts and they continue messing with my credit and my cosigners credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I Opened a bank account at Wells Fargo on XX/XX/2016. My father and I set up online transfer through Wells Fargo 's SurePay. We used the online transfers so that I was able to pay some of my father 's bills for him. XX/XX/XXXX and XX/XX/XXXX my father began to show signs of mental instability. XX/XX/XXXX my father was going to be homeless and I set aside XXXX dollars aside for housing for him ( XX/XX/2016 ). My father did not want any money set aside for housing and instead wanted to be homeless. The XXXX dollars was returned to my father in the form of a cashiers check dated XX/XX/2016. In the time between the transfer of the funds and the receipt of the cashier 's check my father opened a claim against me. The bank misinterpreted my father 's statements or my father misspoke and all of the online transfers were reversed. This reversal and the fees related to those reversals led to my account being overdrawn by XXXX dollars. Since then I have disputed this claim. I have called numerous times to explain the situation. I have also submitted an itemized list of how all the transferred funds were distributed. I have obtained a signed statement from my father along with a Wells Fargo Branch Manager which clearly states that my father 's intentions were not to bring into question the legitimacy of the online transfers. The statement also states that my father wishes to have the fraud claim withdrawn and wishes to have me cleared of any wrong doing. Wells Fargo 's fraud department has cleared me of fraud stating that I was the victim in this case. My Complaint is that with all of the information presented to Wells Fargo they still will not revisit my claims case. They are demanding that I pay the negative balance and threatening to ruin my credit by sending my negative balance to creditors. They have refused to halt the closing of my account while I have been in dispute with this claims case. I was informed by the claims investigator through an email on XX/XX/2016 that this claim existed. I was later informed that this claim was settled on XX/XX/2016. I was also sent a letter stating that I owed XXXX dollars to Wells Fargo while my bank account showed a negative balance of XXXX. I feel that I was not given a adequate amount of time to share my information. I feel like Wells Fargo was negligent in their investigation and I feel that with the new information I should be cleared of any wrong doing. Thank you for your time,

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 12/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Payday loan) with WLCC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Threatning a wage assignment. They have not even taken me to court or sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted several times to transunion and   XXXX   over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all o ver 4 years old.

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 06/17/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying " pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called TD Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Credit card () with Alliance Data Card Services (LA).
Issue: Billing disputes

Complaint: I purchased a pair  of Garage Door Springs  on  XXXX  's website for {$90.00}. The seller (  XXXX   XXXX   }  billed {$90.00} to my  XXXX   XXXX  account, He then billed {$79.00} to my  XXXX  Credit Card (   XXXX   ) account and took the remaining {$10.00} out my  XXXX   XXXX , Thereby billing me twice for the same purchase. I have contacted all parties  (    XXXX   ;  XXXX  and  XXXX  ) I faxed copies of my statements to  XXXX . After too many calls to  XXXX  and  XXXX ,  XXXX  finally, agreed I was charge twice, however, there was nothing they could ( would ) do. I have come to the conclusion that  XXXX  and  XXXX  knew all along I had been swindled, but they were not going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Over the course of almost one year I have disputed an incorrect address that Equifax has on my personal credit report. Equifax will investigate the incorrect address, send me a letter stating the results of their investigation which states that the address has been removed and then reinsert the address a few weeks later. They have done this multiple times ( see attached documents directly from Equifax ). They have also NEVER sent me notification that the incorrect address has been reinserted into my credit file. 

I have repeatedly sent Equifax copies of their results letters indicating that the incorrect and disputed address have been deleted. I have sent letters asking them to follow the FCRA, specifically section 611 which talks about reinsertion of previously deleted information. 

Enclosures Copy of FCRA 611 Copy of Investigation Results Letter dated XXXX XXXX, XXXX Copy of Investigation Results Letter dated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: Complaint to Finanacial Protectio Burau XX/XX/XXXX ( case XXXX ) in Spanish. 

WHAT HAPPEN In XX/XX/XXXX after to make my monthly payment on line I notice that I have an interest charge. Even that Wells Fargo Financial National Bank told me that I would get 0 % interest for the {$8800.00} corresponding to the cost of changing the widows of my house with XXXX. 

XXXX told me that they would offer special financing through Home Project loan from Wells Fargo Financial National Bank. 
I fill out the form in the second page of the application indicate Annual Percentage Rate ( APR ) for purchases 27.99 % and APR for Cash Advance 27.99 % ( attachment 1 ). I was asking about this interest and XXXX ( the home improvement salesperson from XXXX ( attachment 2 ). XXXX told me that if I do not use the card that interest will not apply. I never activate the credit card from Wells Fargo ( attachments 3 ). I never gave the account # to XXXX I am not sure how they got pay by Wells Fargo Financial National Bank. 

In the Wells Fargo Finantial National Bank application ( attachment 1 ) There is not any information about deferred interest. 

However in my statement of XX/XX/XXXX my balance was {$3600.00} plus a interest charget of {$3300.00}. I called to Wells Fargo Financial National Bank and they told me that this amount it was a deferred interest. I did not know what was referred interest. I went to Internet to understand about it this interest because I was not familiar with. 

In XX/XX/XXXX. I offer to pay my balance. XXXX Research Remedation Analyst did no accept it ( attachment 4 and 5 ). The new balance was {$6700.00} with extra $ 27.99 %. The new balance now according with Wells Fargo Financial National Bank now is {$5000.00}, XX/XX/XXXX. XXXX answered my previous complain case XXXX. In the second paragraph from " information about your account '' said : " On XX/XX/XXXX, a charge of {$8800.00} was made with special financing term od 18 months, No interest if Paid in Full, and Regular Monthly Payment required during the special terms period. You minimum payment amount WAS SET UP base off the AMOUNT of the total purchase and LENGTH OF YOUR PROMOTION. 

$ XXXX {$300.00} Minimal payment it was SET UP by Wells Fargo Financial National Bank and require 28.57 months period to pay {$8800.00} but they make the mistake and set up for 18 months. 

The last statement from XX/XX/XXXX my balance according to Wells Fargo is {$5000.00} ( attachment 6 ). Well Fargo make the wrong calculation to pay in full. With the minimal payment that tit was set up. My last payment in order to pay the original amount of {$8800.00} is XX/XX/XXXX for the amount of {$280.00}.

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 10/31/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.

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 03/21/2017 about Debt collection (Auto) with CU Recovery, Inc. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX from CU Recovery ( a collection agency ) calls me multiple times per day, calls me during work hours, calls my work phone despite being sent a cease and desist letter on my behalf from XXXX on XXXX/2017 and also a cease and desist text from me personally on XXXX/2017 at XXXX a.m. that asks for communication via US Postal Service only. I received the latest call from him XXXX/2017 AT WORK ON THE COMPANY PHONE at XXXX a.m. ( He has spoken with my boss - the owner of the company in the past. )

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 03-08-2017 about Debt collection (I do not know) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never had XXXX always live at home. they can validate this debt. its removed before reinserted. never had contract with this company.

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 12/23/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX collection accounts with the City of XXXX XXXX, account number XXXX in the amount of {$150.00} and XXXX in the amount of {$140.00}. This information has not been legally verified per the Fair Credit REporting Act and it 's affecting my credit. They City of XXXX XXXX ca n't even provide validation that these accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This one of them and is a fraudulent account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with three credit bureaus.

Company response to consumer: Closed with explanation