milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Payment due date was one day earlier than I made payment online. No issues with my failure to comply on time. As I never revolve on these accounts, my concern was the average daily balance and interest continuing to accrue until the average daily balance was XXXX or less for the entire billing cycle. Discontinue using card for several months and paying extra to cover one extra day of interests and prevent minimum {$2.00} charge next month was my plan.

4 Options for payment online were 1 ) Full 2 ) Last Statement Balance 3 ) Minimum and 4 ) Other Since first 3 options all were for {$10.00}, I tried to pay {$15.00} using Other amount option. Would not allow stating it could not exceed Full amount. Full amount does not include unposted fees even though we all know they are accruing. This clear effort to prevent intentional over payments to avoid credit balances while also increasing revolving credit interest income seems very deceptive. To force me to mail or wire a separate payment via other means is not very efficient or consumer friendly in my view and I would ask that the Consumer Finance Protection Bureau seek to end this practice of preventing consumers the option to intentionally overpay to avoid additional fees or interest.

Thank you for your consideration.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit hard inquiries listed on my XXXX, XXXX and Trans Union credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, I never applied for credit with the above creditors. The credit hard inquiries are all fraudulent and unauthorized.

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 06-06-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX XXXX, 2017 I went inside the Wells Fargo brand on XXXX XXXX XXXX in XXXX, GA with a check valued at {$8400.00} in attempted to deposit {$7000.00} in my checking account and receive the balance ( {$1400.00} ) in cash. I received the cash balance and was asked by the Teller if I needed a paper copy of the deposit slip and I decline it. I waited 10 days to insure the check had ample time to clear but the funds where not in my account. I contacted ( via phone ) a Personal Banker with whom I 'd done business in the past. I informed him of what had happened and he agreed to look into the matter. Several days passed and I did not hear back from the Banker. Subsequently I reached out for the gentlemen again but found no relieve, just " noise '' that hey had looked into the matter but had no record to the transaction. I requested he or the Branch Manager review the proof work to resolve the issue. Again I heard nothing from the Personal Banker. I then spoke with the Branch Manager and she agreed to work on resolving the issue. With no resolution I was able to retrieve the information on check including name, date, number, etc ... and provided it to the Personal Banker. To date there has been no more communication from Wells Fargo nor has the matter been resolved. Thank you!

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 05-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX   XXXX   duplicate charge on account. called to dispute told it would be credited back to account. Monday   XXXX   XXXX   no credit in account. Called again and given a credit of  XX/XX/XXXX  Woke up Wed   XXXX   XXXX   the credit for   XXXX    vanished without a trace, there was no record it ever went in or came out at all, and I received a letter dated    XXXX   XXXX     stating that the credit had been given and " If we decide the charges were correct, we 'll let you know before we reverse the credit. '' Chase bank did not let me know before they reversed the credit and bounced  XX/XX/XXXX  checks I wrote to the state   XX/XX/XXXX   which could have caused me criminal charges for passing bad c hecks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only TransUnion but as well as XXXX and 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 10-04-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....

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 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion has dropped my credit score some XXXX points. I feel TransUnion should Be investigated for Racist and Discriminatory Practices because if I were A XXXX male my score would be higher. I would like to know how they Come up with a Credit Score. All my accounts are paid on time and yet I have a XXXX Credit Score. I do n't see how they come up with such a low Score unless they give XXXX XXXX Males low Scores. 

Again I want an investigation into their Practices of Discrimination. 

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 explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with Mitchell Rubenstein & Associates, P.C. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Since XXXX XXXX XXXX XXXX partner with Mitchell Rubenstein & Associates P. C. have been summonsing me to court for the same debt. I acknowledge the debt was owe to XXXX XXXX but after financial hardship, I could no longer make payments and after going for months without paying the debt I found out it was sold and bought by both parties listed above. I do not owe a debt to either parties listed above and If I did, they never listed the actual amount for which the debt was purchased ( the price less paid ) .I recently filed a complaint against XXXX XXXX but I feel as though XXXX XXXX XXXX XXXX continues to harass and embezzled money from me by claiming I owe the same amount every few months and charging interest and late fee every time I am summons to court. I have been to court a couple of time for the same case which has approximately 6 case number ( but it is the same debt ). My income is being garnished and so far {$800.00} plus has been paid toward a debt I allegedly owe to the party listed. The first time I went to court my bank account was frozen and my only income was child support. The judge order a release or the freeze of the account. I was also led to believe that the debt would have been paid in full by the end of XX/XX/XXXX. The second time I appeared in court, no one from the parties listed appeared, but yet I am charge court fees and interest. My debt ratio is approximately 6 times my income. I should not be financial bullied to pay an amount that double in interest and fees resulting in the parties listed collecting double the amount allegedly owed. My pay is being garnished, but I am being summons to court approximately every 7 to 8 months for the exact same debt.

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 10/20/2015 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (PA).
Issue: Fraud or scam

Complaint: I 've had a Google Waller account for some time. Earlier today, I received an email that stated my account was put on hold due to suspicious transactions I had placed. After a long phone call, Google decided to close my account, which I believe is unjustified. All the transactions that took place were made by me ( and only me ) and I was n't given an opportunity to appeal the decision. As a XXXX service that I trust, I want my account reinstated after proving no transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: OnXX/XX/XXXXi received a letter from Rmp receive more. The letter was about a debt that i disputed and sent certified to credit bureaus onXX/XX/XXXX The response they sent back is not really a debt violation. They did not send my original contract. Secondly this account is on my report but is stated to be for my son. They also violated the HIPPA LAW and included diagnosis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My credit card was declined at a store. I called the credit card company for an explanation and was told there was potential fraud that they would not disclose or describe. They asked that I submit a copy of my drivers license to confirm my identity which I did. A day later I received a call from the card company asking for a copy of my social security card. I refused and again asked what the problem was, again they would not disclose. I asked why the asked for and provided drivers license was inadequate and the agent refused to reveal the reason. I told them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SIMM Associates, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company SIMM associates, INC were told on XXXX XXXX, XX/XX/2015 .via certified mail, That this account that they are trying to collect on is a result of IDentity Theft. The company who sent them the information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX had been informed on XXXX XX/XX/2015 that this account was a result of Identity Theft and they sold them an uncollectable account. I sent them via certified mail all of the necessary legal paperwork, identity theft affadavit, police report, etc and advised them In accordance with the Fair Debt Collection Practices Act to stop collection proceedings against me and stop communicating with me about the debt except as the Fair Credit Reporting Act allows. I also asked them to notify the the business XXXX XXXX TRust that this account was a result of a identity theft. They have not responded to me on this and knowingly went and sold this account to another debt collector NCO financial systems because now in XXXX XXXX, XX/XX/XXXX I received a letter from that collection agency trying to collect on this debt. They have unethical practices here at SIMM Associates, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loan was switched over from XXXX XXXX, to Navient without any notice. After the change over Navient stopped sending me bills, assumed I would pay my bills online, and locked me out of their online platform. After many attempts to pay my bills, and finally receiving online access I requested that Navient send me paper bills via USPS. Navient did not fulfill my request and after many times talking to overseas representatives I was finally able to get paper bills in the mail. Several years went by, my wife and I purchased a home and navient began not sending bills in the mail again. When it came time to refinance on my home I was told that my near perfect credit score had plummeted to XXXX, and that I was 3 months delinquent on my student loans. At no time did Navient attempt to contact me about collecting on the loan, at no time was a letter sent to my residence about late payments, and at not time was an email sent to me explaining the delinquency. I contacted customer service, payed my bill in full, and was told that they would not help me in changing my credit status, and that it was not their fault they did n't send me bills in the mail to pay. I was told to sign up for automatic debit for my account. I signed up for automatic debit from my checking account, and payed extra on my bill. Today I received an email that my account is past due 2 months and that I was being charged late fees. When I contacted customer service I was told, from another overseas representative, that my checking account had insufficient funds. This statement was false because my checking account was flush with enough funds to pay my student loan bill, and another loan company who I borrow from had no problem auto-debteding from my checking account. It is my belief that Navient is using deceptive billing techniques, and unreliable overseas customer service in order to collect late fees from their customers. Navient holds hostage of their customers credit scores for financial gain. Both my wife and I had exemplary credit and never had a problem paying our bills due to our gainful employment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't own a XXXX phone at all

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Closing/Cancelling account

Complaint: A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Bank of America did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I purchased a ring from XXXX XXXX in the XXXX. A Comenity Capitol Credit card was opened for the purchase. The credit card was charged {$8600.00}. I was told at the store that if I was not happy with my purchase that I could return the ring for a full refund within 30 days. I was also told in the store that my ring would appraise for well over the {$8600.00}. I brought my ring home and had the first appraisal on XX/XX/XXXX. That appraisal came in at {$4900.00} That appraisal cost {$75.00}. XXXX XXXX would not accept my appraisal. I had to get a " designer appraisal '' at {$120.00} That appraisal on came in at {$7700.00} I told them I was not happy with my purchase and wanted to return the ring. They refuse to give me my money back. They got the ring back on XX/XX/XXXX. Registered mail and insured. ( Proof enclosed ). XXXX XXXX stated they do not do give any refunds only store credit. I was lied to when making the purchase. I have enclosed page after page of NY Better Business Bureau of the same complaints. They were supposed to issue me store credit by XX/XX/XXXX which I did not agree to and on XX/XX/XXXX still nothing. I contacted the credit card company to issue me a refund and dispute the charges. They refuse to issue me a credit. I do n't have the ring or the store credit and they are still charging my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (OR).
Issue: Other transaction issues

Complaint: XXXX/XXXX/16 Western Union XXXX XXXX Contacted WU for refund MANY times as this transfer was rejected by the Bank XXXX XXXX. Many times WU said this $ would b back in my account within 48 hours, but it has never been refunded. On the XXXX, they asked for my bank deposit records from XXXX XXXX to present to be sent to XXXXXXXXXXXX so that they could confirm that I have not received the refund. Was told we would b contacted within 48 hours. No contact, no refund. Today, I just resent my bank deposit info and letter to XXXXXXXXXXXX and they sent back that this is registered as case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by XXXX/XXXX/16, I met the deadline by mailing in the documents before the date on XXXX/XXXX/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on XXXX/XXXX/16, to the point of contact I was given. When I got through to him to discuss the application, he told me that the documents were not received & that only a limited number of pages could be accepted via fax or email. This was not indicated in the package, where the acceptable methods to submit documents are explained. He told me my review was closed. He said SLS would reopen my review & likely reassign him. In the meantime, he asked that I submit updated documents. I submitted the documents. I then received a letter dated XXXX/XXXX/16, indicating that the initial submission was received and requesting additional documents by XXXX/XXXX/16. I know this is confusing, basically SLS said they did not receive documents by XXXX/XXXX/16, however sent me a letter indicating that they did. I was given the wrong information. I was gathering the additional requested documents, again & at the same time just received a Notice of Sale date for XXXX/XXXX/16. I have followed all of the requests by SLS, yet while working on my modification I was given a sale date notice less than a month away. I have a difficult time getting through, I have updated my number several times and they still have the wrong information. I am told different things via mail and on the phone. I am now worried that I am not getting a fair chance at a review, and have incurred more fees associated with the foreclosure. Please help me.

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