milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OR).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I never heard back from the credit bureau

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The account it is said to be from XXXX XXXX Bank which I have called and was unable to get an account under my social security. 
The claims said to be incurred in 2007. I have asked for more information this case is now with an attorney XXXX XXXX. XXXX law has not provided me any of the information showing that this is my debt nor the exact date in when I was served. I have contacted them several times and I have been harassed ignored of my request. Now my employer has received documents for my wages to be garnished for an amount and a sum that is not my debt. wrongfully after my wages for an account that I have verified with the original Target that my social does n't appear in their system. I would like some justice.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It is not mine.

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 09-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage loan with XXXX XXXX XXXX and it took over a year to get a modification but I finally did itMy payments went down to about XXXX. A monthI did n't want to lose my house so I went thru the painstaking processAfter a couple months XXXX XXXX XXXX sold my mortgageTo nation star and they immediately raised myPayments back to almost XXXX. A monthI can not afford this payment and XXXX XXXX XXXXNor nation star will advise or help meI am an XXXX yr old widow with very little incomeAnd just went thru a bout with XXXX XXXXMy home is totally falling apart and I have no moneyTo fix itIt floods the air and furnace do n't operate rightI have plastic bags in windows and doors to keepThe weather out my windows are rotting roof leaksYou name it I 'm in trouble I do n't know what to doTo get my payments back down so I 'm not homelessSomeone please help meI 'm even going XXXX and losing some XXXXAnd no money because it 's all getting eaten upBy my mortgage paymentGOd, will someone please guide or advise me whatTo do?? XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Debt collection (I do not know) with Advanced Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently refinanced my mortage taking advantage of a HARP loan thru XXXX XXXX. The process went very smooth and on XXXX XXXX I closed on the loan at XXXX XXXX XXXX in XXXX IL. The funds of {$83000.00} were wired to Ocwen Mortage on XXXX XXXX 2015 and received into their XXXX XXXX Account. The same day of this deposit, XXXX XXXX 2015, Ocwen transfered ownership of the loan to XXXX XXXX. As of today, XXXX XXXX, 2015, Ocwen has not turned these funds over to XXXX XXXX to satisfy the payoff of this mortage. I have been in contact with Ocwen over the last XXXX weeks and have been assured that the funds would be transfered. 

This is a concern to me as I am now receiving letters from XXXX advising that I am deliquent and must pay as soon as possible or I will be in default. I have contacted XXXX XXXX and advised them of this situation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NV).
Issue: Trouble during payment process

Complaint: I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.

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 07/24/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I got connected with a so called reputable firm called " XXXX XXXX XXXX XXXX headed by XXXX XXXX ( and another guy called XXXX, I think ) They sold me on how they deal with XXXX XXXX XXXX with home modifications. First I qualified for one Harp? and the other one. 
Well, I sent in tons of paper work and resubmitted because XXXX XXXX XXXX ( XXXX, according to XXXX XXXX which I will use. And XXXX XXXX XXXX wanted revisions and revisions. Well it seem this group was n't doing so well because this went on for month. Finally, I mysterious got a Pre Loan trail for XXXX months in XX/XX/XXXX, many month later than when I applied. 
This company assured me I could get qualified, so I put up the {$3300.00} bucks, like a stooge. I wans told to sit tight and XXXX would contact me about the modification. XX/XX/XXXX ... ... ... to XX/XX/XXXX I was sitting tight waiting. No updates at all for anyone. No interest rate and no balance, etc ( Whatever happen to Truth in Lending? ) Well, some time XX/XX/XXXX? I was supposed garnet a modification, but XXXX was smart they knew they did n't follow rulesproperly and conveniently sold the mtg to their subsidiary Carrington to finish their direct work. 
I have been in the dark unable to speak to anyone about, interest rate and what my mtg would be. Well I got my pre-trial payment notice very cast {$980.00} from $ XXXXI kept called the XXXX and got referred to Carrington and they did n't even know where the mtg was.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Other

Complaint: For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.

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 12/26/2016 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Fraud or scam

Complaint: I received an Amex gift card in the mail directly from Amex as a gift from work. I used it at XXXX merchants 1 day apart. I went to use it 2 days later and bal is XXXX s/b {$37.00} ... Went online to view bal and transactions and was used at a XXXX in NY ... I live in TN ... Unfortunately Amex treats cards as cash looks like number was stolen at merchant ... I think it was the XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with Resurgent Capital Services L.P. (IN).
Issue: Other

Complaint: XXXX is claiming on my Chapter XXXX Bankruptcy for a credit card that stated was charged off on XXXX/XXXX/XXXX and showing the last payment/transaction date of XXXX/XXXX/XXXX. I have not made any payments since at the latest XX/XX/XXXX ( probably XX/XX/XXXX ), so this account 's statue of limitations has ran out and should NOT be included in claims for payment in my Chapter XXXX. This was included in a group of " dead '' debts what were purchased from XXXX XXXX XXXX. I have disputed this debt several times and it had been removed from my credit bureau years ago, and now they have filed for Proof of Claim. I have not received ANY letters from this company in years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting the following incorrect spelled names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 10-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NV).
Issue: Account opening, closing, or management

Complaint: Several months ago I filed a complaint with your office against Paypal for their unscrupulous, unethical, bullying and probably illegal business practices. That Complaint # is XXXX. They surreptitiously permanently shut down our account for ONE violation in 15 years and refused to release the funds on deposit in our accounts. The money was released, and we moved on. 
Now, almost 8 months later, we find our accounts have remained open, but permanently restricted. We will never be able to use them again. We have XXXX accounts, each of which has a credit card and banking information attached to it. We do not want our banking and credit card information floating around in cyberspace in perpetuity. 
We reached out to Paypal to close both accounts and they have flat-out refused to do so. Their reason for refusing to close out our accounts is not plausible. In today 's day and age, I am sure there is a program or two that can keep track of Paypal 's closed accounts. They are just continuing to engage in their monopolistic, bullying, arrogant, and unethical behavior. 
Can you please help us get these accounts closed so we can move on from this God-awful company once and for all. 
I am attaching copies of Paypal 's responses to our request to close out our XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Has the Attorney General 's Office investigated BSI Financial Services for unlawful practices, fraud..etc? Please take a look online under ripoff reports/BSI and please view what fellow Floridians are dealing with. My loan was with XXXX XXXX XXXX and I was approved for a trial modification which I made payments for a total of {$5.00}. The loan was then transferred to BSI Financial Services which they claim i defaulted on my trial modification and denied my Permanent Modification. I paid {$5200.00} and as you can see i do wish to keep my home and pay what I owe. I have an Attorney 's Office and they have been very helpful. Part 2 of this complaint is that my Attorney 's Office has requested a Payoff Statement from BSI since XXXX XXXX, 2015 and to this date it has not been provided. My Attorney 's Office requested the payoff statement from XXXX XXXX/BSI which then referred them to XXXX XXXX with XXXX XXXX XXXX. which is the Attorney 's Office for BSI. XXXX XXXX received the request on XXXX XXXX, 2015 but has failed to provide the Payoff Statement as he states he will check with his client or he does not respond to the emails requesting an update on the Payoff Statement. My Attorney 's Office received an email from XXXX XXXX/BSI inquiring about my intentions with the property which my Attorney 's Office replied that we are awaiting a Payoff Statement. His response was here is one from XXXX it 's close enough either I can pay or I ca n't pay in full. Can i get an updated Payoff statement? Is it that hard or difficult? My intentions are to fight for my property and I will. I will share my experience with BSI to everyone that I can. Now my question is ... can BSI provide me with an updated Payoff Statement? Attorney General XXXX - I want to save my home, I was approved for a trial modification which included XXXX payments that totaled {$3400.00} and I paid {$5200.00}. I do n't see how i defaulted. I paid more than they were even asking for and their mortgage statements are the statements that confused me on what to pay. I was just happy to be able to make a payment. Can BSI provide me with a Payoff Statement? I do n't need to explain my intentions as I am simply requesting my payoff figures so i can know what i owe the bank. Can you investigate BSI as i would hate for fellow Americans/Floridians to be dealing with what i am having to deal with?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Auto turned in at lease end. Bill for chargeable damages received 2 months later, including {$400.00}. for " missing '' cargo cover, actually returned with car in its storage slot beneath the cargo area floor, and about {$300.00}. for paint damage which likely occurred after turn in. 

Contacted dealer, Toyota Financial Services, and collection agency on several occasions to dispute charges, but they failed to contact me as promised and reported the account to credit agencies.

Company response to consumer: Closed with monetary relief