milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: In XX/XX/2017 I deposited a check from a client of mine into one of my Citibank checking accounts ( I have two Citibank checking accounts ). The check ended up getting returned and Citibank bank froze both my checking accountseven the checking account where the bad check wasnt deposited intoand closed both my accounts. This all happened two days after I made the initial deposit. So its not like days or weeks went by and I didnt take care of a bounced check on my account.

I dont have a Citibank where I live so I wasnt able to deposit money into my overdrawn checking, I was only able to do that via online through XXXX  or XXXX, but Citi closed both my accounts. I no longer had any access to my accountsat all!

I called XXXX and asked if they could transfer the XXXX I had in my second checking account ( that was also closed by Citi ) into my overdrawn account but they flat out refused. So not only did Citi close both my checking accounts before I could fix the negative balance in my checking account, they also closed my second checking account and kept the XXXX in it and didnt apply the money to my negative balance of my first checking account. I had my Citibank accounts for over eight years without any issues. Oh and they also reported me to 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 01/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: PayPal stole my money. My bank never got it.paypal XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted XXXX and XXXX and experian to correct some errors with my reports. XXXX and XXXX corrected the errors and my score has increased due to the help. Experian did not correct the incorrect information and I disputed the inaccuracies 3 times. At this point the my score with XXXX and XXXX is between XXXX and XXXX. My score with Experian is still around XXXX and has not increased. I have been refused financing options from companies that are using Experian and this difference and refusal to help is unacceptable. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Other debt) with Law Offices of Les Zieve (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with AFNI INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (MA).
Issue: Other

Complaint: This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I have auto pay on my car with Wells Fargo Bank. In XXXX 2015 the payment returned for NSF. WFB ( wells Fargo Bank ) continued my auto draft but every month charged me late fees more over WFB reported me late to the credit bureau. 
I would like all the late fees to reversed and the reporting to credit bureau to be corrected. I was not late for eight months! also WFB must correct all that practice for all the consumers.

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 03/22/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Made a payment and they say they do n't have it. I had my bank send them proof, but they charged me a late fee and still say they do n't have it. My loan was sold to this company in XX/XX/XXXX and we have had problems ever since. I have made numerous calls and never get anywhere. I mailed my XX/XX/XXXX payment and called the day before it was due just to make sure they had my payment. They said no, so I did a stop payment on my check and did a check by phone with them for a XXXX fee. The next day, they tried to cash my check. I am sure they had it all along. For my XX/XX/XXXX payment I did an EFT payment through my bank because I was afraid to mail it after the XX/XX/XXXX mess. Now they say they do not accept EFT payments, but the XXXX XXXX servicing center took my money and still has it. What am I supposed 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 02/16/2017 about Bank account or service (Cashing a check without an account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: Beginning in XX/XX/XXXX I opened a checking account and in XX/XX/XXXX an unauthorized signer was allowed to access my financials. This bank sold out in XX/XX/XXXX and this was allowed to continue.No signature cards were issued during this time and I have been denied these cards. I approached the bank and bank representatives multiple times to have the individual removed from my account, and even obtained letters from the bank stating the individual had been removed however the account was still being compromised. The individual removed over {$100000.00} that can be shown thru unauthorized debits and checks he created and cashed. Because of the illegal actions of this individual and BB & T bank I am fighting court issues with no resolve at this point and time. This is due to the bank continuing to violate law and breech of contract which is enabling them to act as a criminal enterprise and hurt innocent individuals. Subpeonas have been served on the bank for active court case and the bank has refused to comply with these legal request. The bank has failed to issue a letter stating the account in question is mine even though I have all original documents showing such. Due to this continued illegal activity court dates have been postponed and my attorney fees are going up by the day. The banks illegal activity has now taken a lucrative career from me and left me jobless. I have recently contacted regional and national media and intend on making this story national headlines unless relief can be granted immediately. The banks illegal activity continue to effect all aspects of my life and I request immediate action in helping to clarify and correct this matter. Because of this individuals actions along with the bank it has now stopped any future job opportunities and growth I could experience. It has allowed for published written works of mine to be stolen and others as well.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My TransUnion credit bureau was pulled by  XXXX   XXXX  Co on both   XXXX   and   XXXX   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to 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 non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient holds loans in XXXX separate accounts and will not consolidate to XXXX account so that I am paying one APR on the full amount. The APR stands at around 23 %. Most of the payment goes towards the inflated interest first and is not paying the main part of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Payday loan, title loan, or personal loan (Installment loan) with MoneyLion Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: My original complaint was submitted in XXXX, 2017. XXXX, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived.

I have been denied credit and housing because of this negative item as previously complained in 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 07/24/2016 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (MI).
Issue: Application, originator, mortgage broker

Complaint: My credit report is showing two months of late charges XX/XX/XXXX & XX/XX/2014 after I sold my house. I 'm asking to update my credit report to not show these late charges PNC mortgage # XXXX address XXXX XXXX XXXX Oh XXXX the house was sold XX/XX/2014 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Today my wife received a call from this number - XXXX ext - XXXX regarding a credit card I had with XXXX. The company XXXX XXXX XXXX then proceeded to tell my wife about my personal and private business. The individual who called her XXXX, told her he was a debt collector and then proceeded to tell her why he was calling about a debt I have. I never authorized anyone to call her. I never gave her number to this place. So he not only obtained her number without permission, but also broke the law and gave out personal information regarding said debt which they were never authorized to do. I only found out because my wife came home and told me. Plus she also said this XXXX XXXX was very mean, could barely understand a word he said and was demanding, all this while she was at work and explained she was. So last time I checked they violated the FDCPA which is supposed to stop this kind of activity. Therefore why I am filing a complaint and want action taken on them. How they got her number and then proceeded to give out my personal information just broke two laws last time I checked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TN).
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: 11. SYNCB/XXXX Other Loan Late 60 Days {$0.00} XXXX. XXXX, 2015 States that I am 60 days late. I never opened this account and just want it corrected with the late payments and removed. Please ...

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 Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (NY).
Issue: Managing, opening, or closing account

Complaint: I have purchased Google Playstore Gift cards worth {$2000.00} from XXXX XXXX in XXXX XXXX with an intention of buying Google Devices from the Playstore website. 
I called the Google Playstore Customer service and they informed us that I can not use Google Playstore credit to buy hardware. However, it was in the same call, the rep informed me that she could redeem all the cards on behalf of us and they would try to request for a refund or keep the funds in our account. I told the customer service rep that we would give the card details only if she can assure a refund and the rep was very optimistic and made us believe that she can get the refund for us. If I were informed of any possible problem, I could have avoided disclosing the gift card details and we could have kept all the cards with our self. 

So, right after we gave the gift card information, they have limited my access to our account " XXXXXXXXXXXX '' and all these days, I have been communicating with them and doing frequent follow-ups about the status of the gift cards. Every time I call the Playstore customer service, they would point me to the Google wallet team who blocked my account. So my calls get transferred to the Google Wallet and they would come back asking me to upload verification documents and someone would follow-up with me. 

Since XXXX XXXX, I have uploaded the requested verification documents numerous times and have called them more than 50 times and every time I call in, my call gets transferred to numerous departments talking more than an hour with no outcome. More than 50 emails were exchanged between me and Google Playstore, Google Wallet and Google Commerce requesting for reinstating my account so that the Google Playstore could refund my money. 


For over 15 months until XXXX XXXX, all I was being told is my Google Wallet account has been closed and Google Playstore being linked internally to Google Wallet, I can not use my Google Playstore funds. I do n't really care for the Google wallet and all I requested was to refund my money. 

I am tired of contacting them again and again and I have wasted so much of my time in my life. The last time I have contacted them XXXX/XXXX/XXXX and since then I completely stopped contacting them as I became very busy with my school work. At my work place I was advised to contact CFPB and then try to reach small claims. 

Today I am contacting CFPB to hope I would get some reprieve in getting my blocked funds back. 

I would appreciate all your help in this regard. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (TX).
Issue: Managing, opening, or closing account

Complaint: I called Netspend and was told I could n't open a account because I have to many cards open. I told the representative I lost my DL, bank card and social security card back and 2010. I never open cards with them and I would like to. I was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had a Chase XXXX XXXX checking account about 3 years ago and i was a victim of theft and fraud. My Debit Card had been stolen and was used to deposit fraudulent fake checks through my account and the money was then withdrew in advanced. Of course the check bounced and i was left with an outstanding balance of around {$4000.00}. At that time i was a minor and didnt know much of anything. I made a report with chase and told them that i did not make any of those transactions and they didnt help at all. They closed my account and left me with over {$4000.00} to pay in an outstanding balance. I think this is unfair because i was a victim in fraud and being a minor i was scared and didnt know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation