milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Prepaid card (Payroll card) with Automatic Data Processing, Inc. (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX items from XXXX for the amount of XXXX and XXXX as a result, the XXXX was for car parts which i was missing some parts which were XXXX and the shoes were for XXXX which were defective i opened up a dispute with the merchant it was denied i opened up the dispute with my bank adp as a result im very upset and un happy with the outcome im just asking for my refund which clearly no one is willing to do so! Adp should be embarrassed and ashamed to do their customers this way! Its a big mess with these XXXX transactions ive been giving the run around for a month straight lie after lie

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern, In XX/XX/XXXX, XXXX for many diagnostic organizationsWere weaning & I was laid off from my position as a XXXX. With a XXXX month old baby in arms, my wife contacted our mortgage Lender ; Wells Fargo to propose refinancing our home mortgage. We were denied. Upon several attempts. Even after informing them that we would potentially fall behind on payments for 3-4 months due to unemployment. Upon missing our XXXX mortgage payment, Wells Fargo 's home Equity collections agent- XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX called us to inquiry. The agent understood our strife and offered an opportunity to negotiate the remaining balance of our XXXX mortgage ( {$120000.00} ). With Wells Fargo 's guidance, we graciously accepted the opportunity and settled our mortgage for {$18000.00}. Our payment was accepted the following day due to their stipulation that payment must be received within 5 business days of their XX/XX/XXXX settlement offering. 
On XX/XX/XXXX we received a letter from Wells Fargo stating that " After the settlement described herein, Wells Fargowill report your account to the nationwide consumer reporting agencies ( " credit bureaus '' ) as account paid in full for less than the full balance. Wells Fargo is not a credit bureau and can not control how the credit bureaus will report that information to other users of credit reports. If you believe the way this information is reported out by XXXX or more of try credit bureaus does not accurately reflect the way it is being reported by Wells Fargo, you should contact such credit bureaus directly ''. 
With regret we sold our home & we have been renting a small home in a different state for 19 months. 
Our credit score has rebounded since the settlement. However ; We attempted to purchase a smaller home in a different state. We were denied. 
We attempted to purchase an SUV to accommodate our growing children. We were denied. 
XXXX of the potential lenders informed us that the government changed the terms during our rental period : '1 yr till forgiveness ' was modified to '2 yrs till forgiveness '. With the statements that Wells Fargo has published Our credit report states that we are undesirable & unfit. Even though we are now able to provide a deposit of over half of the total cost of a home or vehicle in a cash. We were taken advantage of by a large predatory lender : Wells Fargo. If you you are able to offer us clarity, support & / or guidance. We would greatly appreciate it. 
Thank you in advance for your superior support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am trying to dispute addresses that are not correct on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I had XXXX accounts through Paypal Credit. I was shocked to receive a letter the other day saying I owed some money. I had previously contacted Paypal and was told my account balance was at XXXX. I thought everything was fine. This was the FIRST letter I ever received from Paypal. I did not know I had any kind of balance. I took care of it immediately and tried to reopen my account. Now, Paypal is refusing to open my account even though this was through no fault of my own. They told me I did n't owe anything and I believed them. I asked for a Supervisor today at Paypal thinking he could straighten this out. He said he could n't. I am extremely upset because I pay my bills on time every month. I am trying to reach someone at their Corporate office that will understand. I need to get my credit line reopened. Again, I called them and was told I had a XXXX balance. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have my banking with Wells Fargo and I was inquiring about a loan around XXXX XXXX 2018. Their website did n't ask me for my personal info such as my social security number or date of birth. Next thing I know they showed up as an inquiry on my credit report and has damaged my credit scores.

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 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Tried to get free credit report, was unknowingly signed up for their monthly service ; was charged {$1.00}, which they claim they can not refund in spite of the fact that I called them immediately ( no more than 5 mins ) after I created an account on their site. The charge is only {$1.00}, which is small enough that most people will ignore. However, thousands of people do this and thus the credit company makes a lot of money by cheating you out of a buck. They also offer no way to delete an account, I was told I can only " deactivate '' an account and they would not absolutely confirm that my account and associated information ( including credit card info ) would be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: OK so I have file to complain and try to get paperwork seeing where I supposedly applied for some kind of XXXX thing Im asking again for documentation with my signature on it that I have signed to apply for this I have never even been to this company or seen 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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : 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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XXXX of XXXX, I was going to take out my first loan on a car and the first time I was ever going to check my credit report. Transunion has me as deceased and after numerous calls to fix the issue, they have given me the run around. Below are dates and times. 
-XX/XX/XXXX : received denial letter for car loan as it said I was deceased. 
-XX/XX/XXXX called transunion and they said they would take care of it. 
-XX/XX/XXXXwent to social security office and they told me they were all good and it could be human error on transunion part and to follow up. 
-XX/XX/XXXXcalled transunion and the automated said my social security was under maintenance. 
-XX/XX/XXXX called transunion and they said they do n't have any documents regarding my social security and would need to file another complaint. 
Nothing is getting done and I 'm just tired of getting the run around with this company. I 'm not decreased and it 's the only company that has me listed as such. It really weighs on me because I was going to buy my first car and really waited til I was XXXX years old to do this. I wanted to be responsible and now because someone else 's irresponsibility, I 'm stuck and in their eyes, dead.

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 08/20/2017 about Debt collection (Medical debt) with JMD,LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The aforementioned credit collection agency representing " XXXX XXXX XXXX '' has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt. If " High Desert Creditors '' does not have any documentation, they need to retract this from my credit file immediately. I disputed this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I also did disputes via phone within the last 8 months. These accounts are also listed as duplicates on my XXXX  report. High Desert Creditors amount {$XXXX} and {$XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ID THEFT VICTIM VIOLATES HIPPA, CRA RIGHTS, FILED POLICE REPORT AND SEND ALL DOCUMENTATION OVER TO THE COMPANY XXXX POLICE CASE NUMBER 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 06/28/2016 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Making/receiving payments, sending money

Complaint: I receive monthly benefits from S.S.I. XXXX. On the first of each month my benefit payment is put on a debit card in the amount of {$730.00} via a Comerica Bank Direct Express Mastercard debit card. On XXXX XXXX, 2016 I discovered that my balance on the card was only {$140.00}. I only used my card to make a purchase on XXXX XXXX, 2016 for about {$15.00}. As soon as I discovered that several hundred dollars was missing from my account I called the phone number on my Direct Express Mastercard to report that my funds were not in my account. It took me over two hours of waiting on hold and repeatedly getting hung up on before I was able to contact the Comerica Bank Direct Express fraud line. I reported to them finally that my money had been robbed from my account. They informed me that someone in Florida had withdrawn several hundred dollars from my account at an ATM at a XXXX store. I live in XXXX XXXX XXXX and have not been to XXXX. I ask the fraud line to hold off on cancelling my card till I could go to a Comerica Bank ATM where I was able to withdraw {$140.00} of my {$140.00} balance. Even though I used a Comerica Bank ATM I discovered they still charged me a {$3.00} fee for using their ATM. After much difficultity and a long wait on the phone attempting to call Comerica Bank back to cancel my card. They told me that within ten days they would mail me a fraud form that I would have to fill out and mail back to them and then they could conduct a fraud investigation that would take up to 45 days before I could get my SSI XXXX funds refunded to my account. Today is XXXX XXXX, 2016 and I have not yet received the form they promised to send me to start the process to get the money stolen from me back. On XXXX XXXX, 2016 I opened my own direct deposit bank account with another bank since evidently the Comerica Bank Direct Express system is not secure and due to a fraudulent breach of their data base my money was stolen from me. I have only used my card to either make ATM withdraws or to make purchases at the store and to pay utility bills. I have never used my card to make any purchases online nor used it in anyway to put the security of my card at risk of theft. As a consequence of my money being stolen from my Comerica Bank Direct Express account I have not been able to pay my bills and have suffered serious financial hardship and had to lean on family members and friends just to eat and try to get by without the money from my SSI XXXX in the month of XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting the following incorrect personal information on my credit report. Incorrect/Inaccurate Names : XXXX XXXX ( spelled wrong ) XXXX XXXX ( spelled wrong ) Incorrect/Inaccurate SSN : XXXX ( not my SSN ) XXXX ( not my SSN ) Incorrect/Inaccurate Addresses : XXXX XXXX  XXXX XXXX CA XXXX ( does n't exist ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( missing apt # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( incorrect ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( wrong suite # )

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 05-04-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I went to  Wells Fargo t o refinance my car loan, and found out my interest rate was higher than when I purchased the car also I 'm randomly paying more. Originally I was paying  XXXX  dollars at  5.97 pe rcent. Now it 's  XXXX  at 10.59. And I 've made every monthly payment on time. So they tell me somehow back when I got the loan. The girl workingvat the time did n't p ut Wells Fargo  at the lean holder but myself in the cars title. So somehow that is my fault and I believe that 's illegal to do because they never informed me of what happened and just raised my rate and took more money out of my account. So I 'd like to know if  Wells Fargo is at  fault. Cause I was expecting to get a lower rate not  a higher one after one yea r.

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 reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (CO).
Issue: Problems when you are unable to pay

Complaint: I am behind on a payment with Conn 's XXXX XXXX and they violated my privacy by going around me and contacting my parent 's house in another city. I have not lived with my parents for 18 years, never have lived in the house they live in or EVER used the phone number that Conn 's called. The completely violated my private credit account. They NEVER had permission to use the phone number for my parents house and they left a message asking for me to contact Conn 's. Now my parents know that I am behind on a payment, they are now contacting me asking me what is going on and why they received this phone call. Now I have worried parents and there is an issue in our family because they want to know what is going on.The supervisor at Conn 's tried to explain to me that this is ok because they had that number as a reference. I know that they are not allowed to contact a number that is listed as a reference about my account and that by even calling the number and especially by leaving a message, that is a direct violation of my privacy. This is MY private account, no one else is on the account so NO ONE else should EVER be contacted about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

Thanks.

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 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a homeowner who is currently recovering from a XXXX and I have been off work for the past 6 months. I received payments from earned leave and advanced leave from my employer. In XX/XX/2015, my leave reserves were depleted. I still required recovery time, and I was placed on FMLA without pay. I have been unable to pay on my Bank of America mortgage since XX/XX/2015. To date, I have missed XX/XX/2015, XX/XX/2015 and XX/XX/2015 payments. I contacted Bank of America as soon as possible to inform them of my current financial and medical status. I was informed by them to file for the Keep Your Home Program and they can offer {$3000.00} per month toward my mortgage and provide temporary assistance with some utilities as well. I applied with the Keep Your Home California program and I was conditionally approved XX/XX/2015. The KYHC program indicated in the notice that my loan servicer Bank of America must agree to a Loan Modification in order for me to get help. Bank Of America sent me a notice in XX/XX/XXXX stating that I they would be reviewing my account for the Hardest Hit program. Then on XXXX/XXXX/2015, I received a call from Bank of America and spoke to an Agent by the name of XXXX. XXXX stated to me that I have until XXXX/XXXX/2015 to pay {$7.00}, XXXX or they will be issuing a Letter of Intent to foreclose on my home. 
I know that I am behind on my mortgage, and I have been trying to return to work, and hope to return to work soon. However, I am suppose to be in a work-out stage with my loan servicer and I should not be threatened with foreclosure while I am in a work-out stage. 
Additionally, I do n't understand how they think that I can come up with {$7800.00} by XXXX/XXXX/2015 when I am currently XXXX and not working. I had to deal with Bank of America Representatives before, and I have had them laugh in the background, make fun of me, belittle me and try to shame me because of my circumstances. People like me and Homeowners like me need real help and real solutions, and we do n't need people trying to cause more heartache and problems in our lives. We are people too. I am hoping to get back to work soon so that I may be able to continue being a productive citizen in society. 
Bank of America is deliberately, willfully and intentionally trying to sabotage me and keep me from getting the help that I need so they can foreclose on my home. 
I have invested a lot of money into my home, and I want to keep my home. But Bank of America and it 's representatives are giving me the wrong information. I had XXXX from Bank of America tell me that she was giving me a number to the Hardest Hit Program, but she gave me a number to the KYHC program. When I informed her of this, she just non

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation