milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Problem when making payments

Complaint: I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.

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 03-06-2017 about Credit card () with WELLS FARGO & COMPANY (UT).
Issue: Other

Complaint: I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted letters to all 3 credit bureaus to have inquiries removed, as I did not authorize/nor did I know of these inquiries. I received a letter back from XXXX stating that they inquiries were factual, while on XXXX they removed at least one, and I looked up experian and stated that they were factual as well, but none provided proof as I asked because I know there is no proof. The Inquiries that should be removed are as follows : XXXX : XXXX. XXXX XXXX XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. CXXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX Experian : 1. XXXX XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 4. XXXX XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 5. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX INQUIRY DATE XXXX/XXXX/XXXX XXXX : 1. XXXX XXXX, INQUIRY DATES XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 2. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 3. XXXX, INQUIRY DATE XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 4. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 5. XXXX, INQUIRY DATE XXXX/XXXX/XXXX 6. XXXX XXXX, INQUIRY DATE XXXX/XXXX/XXXX 7. XXXX XXXX INQUIRY DATE XXXX/XXXX/XXXX 8.  XXXX, INQUIRY DATE XXXX/XXXX/XXXX 9. XXXX, INQUIRY DATE XXXX/XXXX/XXXX Thank you for any help that you can provide.

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 03/15/2017 about Prepaid card (Other special purpose card) with NETSPEND CORPORATION (MD).
Issue: Fraud or scam

Complaint: I received a Netspend Mastercard in the mail. I never ordered it. I called the number on the card and spoke to someone in the XXXX who said I should just throw the card away. That is pretty bad advice since anyone who finds the card could activate it. I am appalled that they sent a card that was never requested. This is an invitation to identity theft. It was very difficult to even get a person to talk to because the automated system kept asking me for my social security number and date of birth because it did not recognize my account because I did not activate my card. I did some research on line and there are lots of complaints from people who received a Netspend card and did not request one

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the following fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 Credit Report Toolkit : Print your reportThis link opens a new browser window Credit EducationThis link opens a new browser window Know your rightsThis link opens a new browser window Credit Fraud Center General personal statements currently displaying on your personal credit report at your request appear below : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016.

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 01/23/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I signed up for a Macy 's credit card. I made a purchase in the store without my card for approx {$67.00}. I never received this card. I made the full payment of {$67.00}. I received a bill for late fees. I called and emailed them about this. I am now getting a vill of almost {$300.00} for late fees on an item I paid for in full. 
I still have not gotten a credit card. 
My daughter is having the same problem with Macy 's.

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 07/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Closing on a mortgage

Complaint: We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a  ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He  checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (KY).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.

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 04/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I closed a credit card account I had with XXXX ( XXXX ) in XXXX XXXX. The amount due was paid in full on XXXX/XXXX/XXXX. More than XXXX days after the account was paid off I received a postcard from XXXX indicating that a balance of {$5.00} was more than XXXX days past due on the account. While I did not agree with this, I went to XXXX to see about just paying the amount since it was so small. The employees at XXXX indicated that the account had a XXXX balance and even if I gave them the money they did not know how or where to apply it. I was told " not to worry '' and that there was nothing due. 

XX/XX/XXXX I obtained a copy of my TransUnion credit report and was shocked to see that the account had been reported as an adverse account with the {$5.00} reported as more than XXXX days past due. I again went to XXXX and showed them the item on my credit report. I was again told that it would be taken care and the past due status would be removed. 

Several months went by and the past due status remained on my credit report. I then filed a complaint with Consumer Financial Protection Bureau ( CFPB ) in the XX/XX/XXXX as I was led to believe that it was TransUnion that was not cooperating with XXXX in removing the adverse account status item. The complaint I filed with CFPB resulted in the adverse account status item being removed from my TransUnion report. At this time I thought the matter was closed. However, it is not! 

XX/XX/XXXX I obtained another copy of my TransUnion report. The report shows that someone from XXXX requested a copy of my credit report on XXXX XXXX, XXXX ( without my consent and for no legal reason as I owe them no debt ) AND the closed account is again being reported as an adverse account. Additionally, XXXX changed the alleged late payment date from XXXX XXXX to a new date of XXXX XXXX. 

I have attached copies of my XXXX XXXX and XXXX XXXX credit card statements as they may also be helpful in the matter. 

I am once again seeking to have the adverse account item removed again, from all XXXX of my credit reports. I have never had a late payment with XXXX in all the years I banked with them and am finding it hard to believe that they are doing this to me, which is starting to look like harassment. The adverse item status they are reporting has also caused my car insurance rate to go up ( along with my XXXX XXXX! ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: Usaa bank and its evil CEO XXXX and XXXX XXXX ( ext XXXX ) illegally closed my account down after being identity theft then kept over {$15000.00} in my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX and XXXX credit bureau is reporting this information on my credit file that it has been late payment but that cant provide me with support documents showing this acct has be late per Fair Credit Reporting Act Section 609

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 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XXXX XXXX 2016, my credit score was XXXX and three days later it dropped XXXXpoints for no reason. I do n't any collections and was n't late on any payments

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX I went into my auto loan website to make a payment as I normally do each month. I received a " website experiencing difficulties '' message try again later. 2 days later I tried again and the process completed. On Tuesday morning when checking my bank account I noticed 2 payments processing at the same time one after another. The duplication was obvious and since it was in the " processing " I called my bank right away - my account became overdrawn by {$600.00}. My Bank ( XXXX XXXX XXXX ) told me to contact the loan bank ( Wells Fargo ) I called them and asked them to please correct the duplication since it had not completed processing. The customer service person worked with me and got back to tell me there would be a refund within 48 hours. After Thursday and no refund I contacted them again ( Wells Fargo ) and they checked the notes and told me the refund was processing. I was in bad condition with my account with {$140.00} more in nsf fees and items returned. I had to file a claim with XXXX XXXX XXXX for the duplication and they helped me a bit by crediting back the payment. After XXXX weeks I never received the refund and when I called Wells Fargo the story changed now, they credited my second payment to XXXX XXXX - almost 2 months after the website issue. I am still struggling to get my budget back to normal but it has been hard. Now I am unable to resume making payments in the Wells Fargo site and they are blocking my bank account number from being used. When I contacted my bank ( XXXX XXXX XXXX ) to lift the hold, they stated they had no hold and Wells Fargo initiated the hold., Wells Fargo will not allow me to resume my online payments and I am being charged {$86.00} in late fees. This is more than predatory in nature, it is dishonest and bad. I do not earn that much and it has been difficult for me to try to catch up with the damage that continues. I am thankful at least my bank helped me a bit but this nightmare is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Fraud or scam

Complaint: My card was used in XXXX different locations in the U.S, XXXX, XXXX, none of witch is mine location ( address ) I live in XXXX, XXXX. And the card was always in my possession, the card was used 4 x. I discovered when tried to use it at XXXX, this card is a cash card, I received my payroll in it weekly, that 's how I knew exactly how much I had available. I Called Amex and they told me they were going to investigate, when I called the charges was still pending and they said I had to wait for the charges to go through for them to file a complaint. When I called back only XXXX charges had gone through and XXXX had dropped, they told me to wait for they investigating team to look at it. Well for some appalling reason they decided that I was at fault violating the serve aggrement section : XXXX, and closed my account. I called them asking for an explanation and they gave me no answer! Only that that 's what their investigating team had found. I told them they could never had found that! I have no connection with anyone or anything in the locations of the purchases, a purchase of pizza in XXXX ( um ... I am XXXX ) and a payment of some air talk phone ( my cell phone is XXXX ) nothing relates to me in any shape or form, the total is {$120.00} every bit of it of my hard worked money, given away to some XXXX and Amex serve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hopefully, I have chosen the right avenue to lodge this complaint. On XXXX XXXX, 2015 I walked into XXXX XXXX in XXXX, VA. My purpose was to purchase a XXXX Chrysler 300. When I arrived, I informed my sales agent that I had a check from XXXX XXXX to cover the purchase. Subsequent to agreeing on a price for the vehicle, the salesperson brought a document for me to sign. I looked over the document and notified the salesperson that I would sign, but I did not want the dealership to look for financing on my behalf. The salesperson assured me that would not happen. After about a two hour wait, I finally went into see the finance manager to finalize the transaction. About a week after I purchased the car, I began to receive notices from various lenders notifying me that they were sorry, but they could not extend me credit to purchase the vehicle. After receiving several more rejection notices, I checked my credit report and found out that close to XXXX inquiries had been made by the dealership on my behalf for financing. Upon gaining this information, I called the dealership several times over a 30-45 day period, seeking an explanation for the unauthorized inquiries. I received no return phone call. On XXXX XXXX, 2015 I decided to e-mail the General Manager of the dealership. Within a few hours of my email, I get a call from the finance manager that completed my transaction. He explained to me that there must have been some " misunderstanding '' with the salesperson. The finance manager said that because I signed the document that the salesperson gave me, that gave them the right to shop for financing on my behalf. I informed the finance manager that I signed the document with the explicit instructions to the salesperson not to try to find financing, and that the sales person told me the dealership would not be looking for financing for me. Again the finance manager told me that there was nothing I could do. I asked for some kind of compensation for the unauthorized inquiries and again I was told there was nothing that could be done. XXXX lied to me and shopped for credit without my authorization. I would like some form of compensation for this violation of my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with Unifin Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. 

The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. 

I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. 

When I checked my XXXX  credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.

Company response to consumer: Closed with explanation