milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Checking or savings account (Savings account) with POPULAR BANK (NM).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: In XXXX of XXXX, my wife and I opened an online savings account with XXXX bank XXXX an internet based bank ) and based on verbal representations and documentation were led to believe that our account 's interest rate would fluctuate based on prevailing rates. We deposited a large amount of money and our decision was based on what we had been told, that XXXX would increase ( or decrease XXXX our interest rate of return based on prevailing interest rate conditions. 

Instead, as interest rates went up to 1.45 % APY, the bank kept our interest rate earnings at the original 1.15 % APY. In late XXXX XXXX I discovered that XXXX had created XXXX renamed XXXX their savings account product and that for weeks or months they had been opening new savings accounts at a rate much higher than the 1.15 % they were paying us. 

In early XXXX I phoned them and stated that I was upset that they had neither raised our interest rate as had been promised, or at least notified us that they had created a higher interest rate savings product that we could have switched our money into. I requested that they make it up to us by computing how much we should have earned at the higher rate and adding it to our existing account. After waiting 5 days for an answer, I was finally refused. We have since moved our savings out of XXXX. 

I honestly believe that XXXX bank defrauded us out of the earnings we would have and should have earned if they had stuck to their promise of raising ( or lowering XXXX our interest rate based on prevailing rates. Instead, to cheat us out of what we were entitled too, they renamed their savings account product in order to avoid paying us a higher interest rate, then told me I should have switched into the new account. We suffered lower earnings and income as a result of their fraudulent misrepresentation. XXXX is playing a cheaters game by lying to customers that they will raise the interest rates they pay their savings account holders and then failing to 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 11/28/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Kohls advertises 25 % off your first purchase when you apply and are approved for their credit card. I applied and was approved which I only did to get the discount on a pair of XXXX XXXX XXXX.  However when I went to make my first purchase and get my promised 25 % discount I was told that item was excluded??? because it was a special item. I spoke to store manager first and said I did not see that on the big 25 % off advertising to entice me to apply ... I asked for corporate contact number which she nicely gave me. I spent today contacting them and was told about this exclusive brand and how the manufacturer didnt allow the discount?? I said they ( Kohls ) could do the right thing and credit my account to keep a customer happy because they are the ones advertising their credit card with the discount. I feel it was false advertising. I could have used my XXXX XXXX credit card and earned miles instead of wasting a hit on my credit report for basically nothing. I did not get my discount because it is only a discount on selected items not anything you buy. That should be in BIG letters right beside the 25 % off of YOUR first purchase!!! Complete false advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: A subpoena was issued against my personal banking information on XX/XX/XXXX.

I was not served the subpoena and Wells Fargo did not notify me of the action being taken on my personal bank account.

The legal matter in which the subpoena was a part of is a case that does not involve me or my personal property.

I am neither the plaintiff nor defendant, I am a non-party.

Wells Fargo released my information to the plaintiffs without notifying me of this action.

I did not know of the filed subpoena or the execution of the subpoena by Wells Fargo.

The information disclosed caused the plaintiffs to submit a second subpoena on XX/XX/XXXX which Wells Fargo once again did not notify me about.

I was able to file a Motion to Quash the subpoena due to notice given by a party other than Wells Fargo.

A third subpoena has just been filed on XX/XX/XXXXand once again Wells Fargo has done nothing to notify me of the potential action on my account.

I have brought this issue to the attention of Wells Fargo legal.

XXXX XXXX, a paralegal within Wells Fargo 's legal order processing department responded to my grievance on XX/XX/XXXX by written letter assuring me that there was a courtesy notice sent to me for the XX/XX/XXXX subpoena and that the liability of service falls on the attorney who filed the subpoena, not the financial institution.

I responded by stating that a courtesy notice supposedly sent by Wells Fargo was never received by mail, email, or phone call for 3 separate filed subpoenas and that I need a copy of the said " courtesy notice '' to evidence their action or else Wells Fargo admits liability.

The information released by Wells Fargo has allowed the plaintiffs to harass me through further subpoenas that cite specific information that should not have been released by Wells Fargo in the initial subpoena.

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 07-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of Fraud. I am a victim of ID theft. The dismissed Bankruptcies were fraudulently filed under my name, without my knowledge or consent. These items were incurred by company whom I had hired XX/XX/XXXX for help with modifying my home loan. I neither authorized to file a Bankruptcy on my behalf, nor was I made aware that that were doing so. My signatures were forged on the BK paperwork, I would only find out about this issue after this company had gone out of business XX/XX/XXXX. 
This case was referred to the attorney general 's office who suggested I file an ID theft report. Hence, a Police Report with XXXX PD and also a Federal Trade Commission ID theft report for the fraudulent dismissed bks and forwarded it to the credit bureaus. As required by law XXXX of the bureaus blocked the information from my credit report, whereas Experian has persevered with reporting the fraudulent bks on my credit report. In my last conversation with Experian on XX/XX/XXXX, they claimed they reached out to the court and the court asked them to keep the information on my credit report, then when I asked who at the court they spoke to, I was told that it was not a third party vendor. More perplexingly, after that the representative told me Experian will under no circumstances block the fraudulent information from my report and I have to go to court and get a judge to authorize the removal of these accounts. I am absolutely at my wits ends here, as it bad enough suffering the traumatic experience of being defrauded and now as a victim of fraud I 'm not being afforded my legal rights. 

Attached Please Find : The filed Police Report with XXXX Police Department, The Federal Trade Commission ID Theft Report and Affidavit. Experian 's response refusing to block fraudulent items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Payday loan) with Aargon Agency, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX, TRANSUNION, XXXX ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

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 04/29/2017 about Debt collection (Medical debt) with I.C. System, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I dispu ted a derogatory item placed on my credit report by IC SYSTEM INC in err or to  XXXX ,   XXXX   and   XXXX   --  XXXX  and   XXXX   fixed the error by removing the item from my credit report --  XXXX  DID NOT.  XXXX  refused to remove the item and said so after their " investigation '' was complete. I disputed this item  with IC System ( a collection company )  and they have not even acknowledged my complaint. On  XXXX  I resubmitted my dispute with   XXXX   and warned both IC System and   XXXX   of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.

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 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have repeatedly asked to reduce my monthly payment to a more affordable payment and my only option is {$800.00} a month. In order to keep this " low rate '' was forced into giving Navient my banking account information. This payment is almost the same amount as my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Payday loan) with United Debt Holdings, LLC (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from XXXX this person left a voicemail stating I had an outstanding debt with XXXX. He provided my birth date and the last XXXX of my SSI number. He said I needed to return the call or he would be taking legal action with the State of Idaho. 

His exact words were " Summons for the state of Idaho for theft of services-check fraud. You can contact the party directly to clear this up '' and left the number above. 

That same day about XXXX minutes after I received this call my mother received a call. He told my mother his name was XXXX XXXX with the Idaho XXXX and that he was looking for me. He went on to say that I had a warrant out for my arrest and that it would be embarrassing if he had to pick me up at work. He gave my mother and name and number ( number listed above ) and told her I could resolve this by contacting that number. 

I called the warrants department in Idaho. I do not have a warrant out for my arrest. Also I did take a loan from XXXX several years ago. To my knowledge this was included in my bankruptcy. Regardless, this company is threatening and falsely representing itself. 

When you call the number above they refuse to provide any information about the so called officer or " the account '' but want you to settle by giving them a debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: To whom it may Concern I having Issues with the Credit Reporting Agency Not Respecting My Rights. I Pulled my Credit Report saw things that were n't Correct. So i Disputed all items in a dispute letter along with Laws, Rights, and Request and they have completed the dispute without giving me the items i requested which are the method they use to verify this claims along with names and numbers of the people they have spoke to verify these claims, and also to mail me the Original Accounts with the wet ink signature. I dont understand why we are going back and forward me disputing old zombie accounts that they keep updated to make money off it XXXX XXXX Department of Eduacation XXXX XXXX XXXX accounts thats paid in full, I have attachments

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 01/26/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated in XX/XX/XXXX with XXXX degree. Began paying on loans 6 months later when into repayment status. Entered school again in XX/XX/XXXX or XX/XX/XXXX..XXXX loans into deferment. Obtain more loans for XXXX school. Graduated in XX/XX/XXXX. Started repaying loans in XX/XX/XXXX. Have been in repayment status since then. Now it is XX/XX/XXXX. All of my loans still have basically the same principal balance if not more than started. I noticed this when my loans were sold from ACS education to XXXX. The loans were also listed in forbearance status and were not listed as repayment status until XX/XX/XXXX - which is incorrect! I have paid the whole time and never requested forbearance. I contacted ombudsman. Initial person could not get a response from ACS. My account was transferred to another person and they quickly closed the case and said the info on studentaid.gov was incorrect. I think my payments were incorrectly applied to my loan accounts. How can I have paid for over 10 years on a XXXX loan and now owe over XXXX?? Someone please please help me! 
AND my name is spelled incorrectly on the studentaid.gov. I 'm not even sure these are my correct loans or what has happened. All I know is after paying on loans for 12 years the principle should be lower then the dispersed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I filed a complaint on XX/XX/18. File number XXXX. There response was to retaliate by quadrupling my minimum payment. In addition, they charged me for a second time, a transfer fee, and yet again charged me interest on my account. At what point does, CFBP step in and fine them for this?

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 12/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Car rental in XXXX  held car rental from banking account for a deposit even while being paid. The  security deposit is to be held but not to be charged to bank account.  I was charge for overdraft fees and additional fees for overdraft protection. This is the second time my bank account has gotten missed up by Bank America. The money was in the savings account  also the amount is still pending and not applied. Bank of America is charging me unnecessary fees and forcing overdraft protection fees in the amount of $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 01/19/2018 about Vehicle loan or lease (Lease) with UBER TECHNOLOGIES INC (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint: I 'm an XXXXXXXX XXXX with an XXXX XXXX XXXX. 

XXXX/XXXX/XXXX While eating lunch, a person started taking pictures of my car. I asked why, he replied " it is n't your car. '' He continued to take pictures, got into his car, and began to leave. I took his picture and license plate number, as I felt threatened. 

XXXX/XXXX/XXXX The CA XXXX informed me someone had paid for my cars registration and the tags had been sent to that person. 

According to my lease agreement I am responsible for that type of payment. 

I 've tried to get in touch with the XXXX XXXX XXXX with the email information they 've given me and the addresses are no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with CNG HOLDINGS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report. 

2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account. 

3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all. 

4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me. 

5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX   found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (NY).
Issue: Account opening, closing, or management

Complaint: I opened an account with Scottrade several years ago and bought a few low-price stocks to make a little money ... After 5 years, I sold some of these stocks at a profit and attempted to remove my money from the Scottrade XXXX ... no go. They gave me all type of hoops to jump through and my money is still tied up in Scottrade with seemingly no way for me to remove it. So, in other words, they are quick to take your money but make it extremely difficult ( in my case, impossible ) to get it back out ... I am about to get the XXXX and FDIC involved just to get my liquid cash out of this account ...

Company response to consumer: Closed