milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to request several credit inquiries that were unauthorized be removed from my credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXXXX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX   XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX 10.XXXX   XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX14. XXXX XXXX XXXX  XX/XX/XXXX 15. XXXXXX/XX/XXXX16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XX/XX/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 04/14/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Making/receiving payments, sending money

Complaint: BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: We bought a car from  XXXX   XXXX , it was an  executive  driven car with low mileage on the car. After multiple trips back to the dealership to rectify the transmission problems, they continued to say the car did not have any issues and it was fixed. We finally bought a new car from  XXXX  and they bought us out of the  XXXX . We went back to  XXXX   XXXX  to get the money back from the Gap insurance that we purchased. We filled out the paperwork and were to ld 2 weeks to process and 4 week s to get the money back in the mail. This was back in  XXXX  where we went in person to cancel. We have since called back multiple times as well as visiting the location in which they have assured us it would be completed and we would get phones call back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Was a victim of Trans Unions Inquiry Issue and now have inquiries on my report that do not belong, customer service would not take care of it. The following inquiries should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Lazarus Financial Group, Inc.(Closed) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I WENT THRU SMALL CLAIMS COURT IN XXXX AND SUED THE XXXX FOR THE COST OF DAMAGES OF MY BELONGINGS BEING DESTROYED IN A STORAGE UNIT. THE JUDGEMENT FOR THE ORDER WAS THAT I WAS TO HAVE ACCESS TO GET MY BELONGINGS AND XXXX GROUP WAS NOT TO TRY TO COLLECT ANYTHING FROM ME AS I HAD A XXXX BALANCE. ON OR ABOUT XX/XX/XXXX I RECEIVED A LETTER FROM XXXX STATING THAT I OWED XXXX XXXX. I CALLED XXXX AT LAZARUS XXXX AND EXPLAINED THE SITUATION. I THEN MAILED THE COPY OF THE JUDGEMENT ON XX/XX/2016 AND THEN I NOTICED THAT THE COMPANY PLACED ON MY CREDIT. I TRIED TO REACH THIS COMPANY FOR XXXX WEEKS STRAIGHT AND THE PHONE JUST RANG, I WAS UNABLE TO LEAVE A VOICEMAIL AND NO ONE RESPONDED TO EMAILS. I THEN EMAILED ANOTHER COPY OF JUDGEMENT FROM THE XXXX COURTS ON XX/XX/XXXX. XXXX CONFIRMED RECEIPT AFTER NUMEROUS ATTEMPTS TO REACH THEM ON XX/XX/XXXX AND TOLD ME THAT HE DID N'T BELIEVE THIS JUDGEMENT AND HE HAD TO TO FURTHER RESEARCH AND WOULD NOT REMOVE IT. IT HAS NOT BEEN XXXX AND THIS DEBT IS STILL ON MY CREDIT. I HAVE A LEGAL ORDER THAT I DO NOT OWE THIS COMPANY ANYTHING AS MY ITEMS WERE COMPLETELY DAMAGED AND THEY WAITED XXXX AFTER COURT TO SEND TO COLLECTION AGENCY WHO DOES NOT RESPOND. I AM SEEKING THAT THIS COMPANY REMOVE THIS FROM MY CREDIT AS IT IS NOT VALID AND IS BEING ILLEGALLY REPORTED. I AM A SINGLE MOTHER IN THE PROCESS OF GETTING A HOME AND THIS IS PREVENTING ME MY MAKING MY CREDIT SCORE DROP.I NEVER RECEIVED ANY CORRESPONDENCE AFTER COURT DATE FROM COMPANY SHOWING BALANCE OR ATTEMPT TO COLLECT TO RESOLVE. FIRST LETTER WAS IN XX/XX/XXXX FROM LAZROUS GROUP

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Information on my report do not belongs to me. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I ran into a finacial crunch had to borrow some money. I usually borrow from reputable companies. I was online doing a serach and I came across Cash USA after reading that it was a revolving account I said that was good I looked at their pricing and it stated that for the XXXX XXXX I borrowed my payment would be XXXX monthly or XXXX biweekly. They sent me a statement saying that my XXXX payment was {$220.00} and XXXX weeks laters they expected another XXXX That absurd who in their right mind would agree to pay someone $ 300XXXX per month for XXXX when I have borrowed XXXX and my payments was n't that high. I can not afford to pay anyone that kind of money. I needed to pay my water bill not get ripped off because I was in need. I have no problem with paying what I borrowed, but to pay that monthly is crazy. I immediately reached out to them by email and phone informing them of the situation they brushed me off as to say oh well you going to pay it. I made the payment of XXXX and that was my last payment because even if I wanted to give them that kind of money my paycheck wouldnt allow it. This company is taking advantage of people that is in need if I had that kind of money than I would n't been borrowing any from them. I am trying to get some assistance because I am rebulilding my credit and this is the last thing I need.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Deposits and withdrawals

Complaint: Citizens Bank charged our account {$230.00} in overdraft fees for XXXX overdrafts. The charge appeared on XXXX. The XXXX overdrafts occurred, they say, on XXXX. Never once did the running balance of the account go below zero -- there was never an overdrafting of the account to justify any fees at all. The account running balance never dipped below {$40.00}. 
I have asked Citizens Bank for the refunding of the fees and I have not received it. They gave me an incident confirmation identifier of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-12-2016 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: " I hope you enjoy living with your bad credit '', I am on XXXX now for 2 years because of failed XXXX. I have told this the collection agency and when I get back into the world force I will pay my debt. Currently finishing XXXX school, then I need another XXXX to hopefully fix the failed XXXX and get back to work in XXXX. The debt is from 2014 during a time I was receiving XXXX. XXXX. There is no need to be nasty, I know my debts and people need to be paid for their services. I do have plans but I must get back into the work force. Please, do not allow these people to harass me over {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX XXXX and in XXXX XXXX I spoke with XXXX XXXX about having my student loan t the rate reduction program and I sent all the information needed as asked for me and my co signer. At the end of all my monthly bills including what I was paying for my Navient loan a month I do n't have much remaining to be able to survive. I have also received horrible experience with almost everyone I spoke to and have reported to the BBB. Everyone I speak to gets very loud and nasty and is very rude, including today 's conversation. Back on XXXX/XXXX/XXXX I spoke to XXXX different individuals, XXXX ID # XXXX was the XXXX individual at XXXX told me that my payment was {$200.00}, and then was transferred to XXXX ID # XXXX also told me my payment was {$200.00} from now until XXXX XXXX and we set up monthly withdrawal payments monthly until then. Today at XXXX I called Navient and spoke to XXXX ID # XXXX and I was transferred to the wrong department from someone who had answered the phone. Every time I call I keep getting transferred to the wrong department as per XXXX ID # XXXX the XXXX individual I spoke to and was told that everyone who has helped me told me all the wrong information. My account has not been properly managed and every single time I speak to someone I receive a different answer and I do not think this is a way to do business. My account was switched from XXXX to Navient without any warning and I have had nothing but issues with Navient. I do not know how I will be able to afford the payment that they want me to pay, in which I do not have money left over at the end of the month and I gave spoken wot many different people with a break down. I have not been able to receive a job with what I recieved a XXXX degree in, and if I knew I was n't able to get a job with a XXXX in XXXX XXXX I would have never went on completing the degree as I was told by the school. I have applied to many jobs in the past and I am not currently working with something that has nothing to do with my degree because I can not get a job with my XXXX XXXX Degree, as I have to have a XXXX in order to do anything with my degree and I can not afford to have more student loans attached to me as I can not pay what I have now. I am very disappointed as Navient is suppose to be a professional company instead they are very unorganized and have individuals who speak to people and are very rude. Navient does not help in any other way, as I do understand I do owe the money in which I am trying to pay as well as am trying to be able to live and make a living. The company is only out to hurt people and not help anyone, they are greedy and have so many complaints about them and everything about thing is negative and horrible. They should really be looked into, I would n't be surprised if they are doing things that are illegal that should n't be done.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (OR).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: We received our Gift card from my mom who purchased the card last year in XXXX. The card was by XXXX, XXXX. This card was purchased in XXXX, Ca. by Mom. We were saving the card for our 25th wedding anniversary in XXXX. My wife checked the balance in XX/XX/XXXX this year and discovered all but {$3.00} had been spent by someone other than ourselves. The card was number stolen and used to buy an item online. We still have the card. We were sent a letter on XX/XX/XXXX. Stating we did not dispute the charge of {$190.00}, never mentioning the car number was stolen and used.

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 08-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I received a letter from Fed Loan Servicing stating that they approved my employment certification for the PSLF program, however, the dates are only for 1 year. I have worked at the same XXXX XXXX XXXX organization for 4 years. I have received notification from Fed Loan and the prior servicer in prior years that my employment was certified and accepted since XXXX XXXX, 2013, which is my employment start date. I am attaching the letter. I also received another letter that incorrectly states that my qualifying payments towards PSLF are only for 1 year, despite my 4 years worth of payments. Additionally, when I log into my account, there is nothing on Fed Loan 's website that states I have certified under PSLF and anything record of my qualifying payments. My concern is that I have no proof that I have been certified under the PSLF program for the 4 years I have been working. It is extremely concerning that Fed Loan is failing to provide proof of borrower 's qualifying payments and employment certification because borrowers will need proof of this at the end of their 10 years of working in the public sector and making qualifying payments. I called Fed Loan and expressed my concern. The representative affirmed that her records show my employment certification approval since XXXX XXXX, 2013 in her system. She informed me that Fed Loan issues these letters for the 1 year period for when you send in your employment certification form and that it does not reflect the entire length of time a borrower has been certified for. I explained my concern that I have nothing in writing that states I have 4 years of certification. She agreed to send me a letter stating this. I believe that a borrower should be able to view their employment certification and number of qualifying payments under PSLF when they log into their account online. The lack of disclosure and account information is very concerning for our future loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with Alliance Data Card Services (AZ).
Issue: Transaction issue

Complaint: I have a Paypal credit account ( aka XXXX ), I have made a payment to this account as well as obtained refunds from merchants which do not post to my account. I have been calling the customer service department daily for a week asking when these will post. I am constantly promised that it will happen at the end of the day ; when I chack my balance the next day, I find that I was lied to and that payments to the account and refunds do not poat and do not affect my current balance on the account. Where is the money going?

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: submitted my retirement check to bank through mobile deposit next day funds were available. XXXX afternoon, funds were put on hold due to orginator returning check ( XXXX ). Called massmutual who said check was fine. Called wellfargo back and did conference call, massmutual could n't find any reason for return. Well fargo placed funds on hold for XXXX days. Started paying bills and now bouncing.

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 06/13/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Bank account or service (Other bank product/service) with KEYCORP (OH).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX, 2015 between XXXX XXXX, I was denied entry into the Key Bank located XXXX XXXX and XXXX XXXX. XXXX, XXXX, Ohio because of racial discrimination. I am a man of XXXX descent. 
I and my XXXX sisters were there to discuss an outstanding loan debt with a loan officer when they locked us out, but allowed only white customers entry into the establishment to transact business. Though, after about XXXX minutes, I and my sisters were allowed entry finally. We asked why " we were not allow but white customers were, '' the Relationship Manager on duty, XXXX XXXX said, " because there system was down. '' What a terrible explanation, seeing that white customers had no problem gaining entry and transacting business, but I and my sisters were denied that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2016 I was trying to pay for an XXXX purchase via XXXX using my American Express card that is registered to my XXXX account. I received XXXX error messages saying that the card was declined. I contacted American Express via their on-line chat system and was given the number of their fraud department, which I immediately called. I spoke to an American Express fraud representative and he confirmed that my card was blocked because of " suspicious activity '' the purchase I was trying to make was in XXXX XXXX. I confirmed that I had made the attempt to pay and that it was not fraudulent. The AmEx representative indicated he would unblock my card and I would be able to proceed with my purchase. 
I tried to pay for the purchase again twice, and continued to receive the declined message. I called AmEx back and talked to a representative who said that my account had been blocked with a fraudulent charge and that my card had been cancelled and that they were sending me a new card. I informed her that a mistake had been made, I did not want this card processed, and that I needed to have my current card reactivated. She said she would forward me back to the fraud department. Although I had called the fraud department at XXXX, I 'm assuming she did not want to deal with me as I waited almost 10 minutes throug various " please hold '' and music, and kept hearing number tones between each XXXX, until finally I was told be a recording that my call did not go through. 

I called back the fraud line and the last person I talked to confirmed that my card had indeed been cancelled. I explicitly said that I wanted to be transferred to the Office of the President so that I could file a formal complaint. However, this person instead must have pretended to forward me and then my call was disconnected. 

I am now in a position where I have promised to pay for goods in XXXX and American Express has prevented me from doing so in a timely manner that causes me harm to my reputation on XXXX as well as harm to my relationship with the individuals and business I have agreed to purchase items from. 

I 'm not sure how American Express is treating their customer service people, but there appears to be a complete lack of compliance when it comes to following the rules and regulations for filing complaints that could cause severe under-reporting to the CFPB. 

While I am glad that American Express is protecting me from fraud, I am very unhappy with how I 've been treated and their blatant disregard for the rules and regulations of the XXXX. I would like American Express to revalidate my card as soon as possible. 

I am requesting that this be published so that others know that if a company refuses to let you file a formal complaint with them, you can come to the CFPB website and file it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Federal student loan) with Credit Adjustments Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.

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