milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went into td bank in XXXX time 2017 and they told me my accounts have been a risk even tho I never did anything risky and I wud have to call customer service to get my balance {$160.00} sent as a check and they locked my account.. I called customer next day service and they said only bank manager of my local bank can approve me taking out my money so I spoke with my bank manager of XXXX ny on XXXX XXXX her name is XXXX and she said only customer service can do it and she cant do anything they kept me going in circles and I needed that money to pay one of my credit cards I had from a XXXX XXXX XXXX when I tried to transfer it to my XXXX XXXX credit card money I owed it kept undoing it causing me to have {$200.00} dollar fees and bad credit late notice on my XXXX XXXX to my credit report. Not to mention td kept charging monthly fees even though I had no access to the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Debt collection (Other debt) with Carter-Young, Inc. (GA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Carter Young Inc, a XXXX, Georgia based debt collector continues to report an invalid account. Based on a quick web search it appears this is a standard practice for this company. 

The vendor has acknowledge the debt is not owed. Further, they are suggesting they have not had a relationship with this collection agency for several months - at least one year. 

The Credit Bureau 's continue to take the side of this collection agency by wrongly reporting the information. Even after the vendor, and I have both sent supporting documentation proving the debt has been paid. 

Carter Young 's actions are fraudulent, and they should be punished to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Payday loan) with J.S Resolution Group, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My family received a call from someone for me call them or legal action would be taken. I called back and spoke to a rep who did provide details of a payday loan that was closed in 2006. I stated I wanted a written notice of the debt and collection. He said I could only have one emailed or faxed to me. I asked to speak to his manager and he refused. I asked to have my family 's contact information taken off record and he refused. I did request my full credit report from all three reports and none of them have this debt as open or in collections. This debt was reported paid. This company is frauduelently contacting me for payment on a debt which is no longer owed. They have threatened legal action against me and used harrassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We are current customers of  Santander Bank with a HARP mortgage. We have an adjustable credit rate so we wanted to refinance to get a lower, locked in rate. We began the process with Santander because they are already our mortgage holders so we do n't need to go through as many steps. We began the process. We are having an issue current  ly with our credit score. We check our own credit scores and they are in the   XXXX   XXXX   and   XXXX   XXXX  , ( wife and husband, respectively ). However, when Santander pulls out credit they are showing a median credit score  of  XXXX . When asked what bureau they are pulling from, they answered that they have a third party who gives them a different number. This is completely and totally unfair. With their number, we have to pay a higher interest rate, so they make more money over the course of the loan.  With the   XXXX   XXXX   XXXX   numbers,  we would be in the highest tier, thus lowering their overall payout on the loan. This should be illegal. Consumers who are careful with their credit, who monitor their credit scores, and still end up getting the shaft because of a made up system by a bank. Please help.

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 07-10-2016 about Payday loan () with Green Trust Cash, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: I was naive about the information I submitted online believing as long as there was a lock locked where the website name was typed in that it was a safe and secure site. I was searching for a loan that I would be able to payoff in longterm small installments. I needed a loan to be able to have enough money to get into a new rental home. I being unaware that these companies shared sensitive information with other companies was contacted through an email that I had been approved for a loan of {$300.00}. I gave the site my name, social security number, my bank account number and routing number, even my online signature. I was then contacted by an employee who asked me to please go back as he walked me through the steps of repeating all of my private personal information as well as my signature again. I was under the impression that all that I would need to pay back would be {$390.00} total with interest but that I would be given adequate time to do so either in small monthly payments or after an adequate amount of time until I could pay it back in full. I was shown a payment plan that unless I paid the entire {$390.00} back within two weeks that I would become locked into a payment plan that would start with {$100.00} being the first payment due within the two week period of recieving the loan. Soon after another payment would be due costing me even more than the first payment and so on until I would end up paying around {$1600.00} or more total for a {$300.00} loan. I spoke to a man who is from Student Loan XXXX helping me with a loan in default from 1997 I still owe a very small amount on. I consulted with him about this loan I seem to be trapped in and he recommened that I contact my bank as well as you because he checked out the company and said it has had many similar complaints and that people like me fall victim to this all of the time not understanding exactly what they are getting themselves into and that I also need to protect myself from identity theft because these companies share your personal information to other companies. I was unaware that anyone but me could ever access and take from my bank account. When I spoke to an employee at my bank they recommended that I contact you first and that if anybody were to try to attempt to collect money from my account without my permission that I should then change bank accounts which would be extremely inconvenient but necessary if nothing else can be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with The Schreiber Law Firm, PLLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: i had filed bankruptcy. and this account was included in.  AMG Financial Services c ontacted me and threat me with legal action against me.

Company response to consumer: Untimely response
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax reports incorrect low scores impeding my ability to get a mortgage. They did the same thing to my father who has an XXXX credit score. They refuse to fix the issue and in turn are affecting peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I had signed up on CoinBase in XXXX XXXX with all my information and verified my identity with drivers license which was accepted and verified. Subsequently I was allowed to conduct transactions and purchase cryptocutrency. Over the last month it is not allowing me to do buy, sell or transfer my crypto currency stored on their site asking for verification again. I have tried doing so several times and have sent them numerous messages to ask what other information I can provide, but havent received any response. Meanwhile my funds are tied up with them and I can not access, transfer or sell and close out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with AFNI INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: my issue has not been resolved since  XXXX   XXXX  .I bank with chase bank. I had  XXXX  transactions of  XXXX  dollars to   XXXX   purchased illegally on my debit card numbers. my card info was stolen. I immediately called the bank canceled the card and started the process to get my funds re-credited to my account. A temporary credit was received a week later. then  4  weeks after that the credit was removed. I called them again had another temporary credit put onto my account in  XXXX  for the same issue. Yet again by  XXXX   XXXX  the bank again removed the the temporary credit. I called and escalated the issues to their fraud claims department to a supervisor and then the supervisors manager on  XXXX   XXXX . They said  XXXX  admitted to there department I did not make any purchase and credited chase and that I should receive my money in 5 days.  XXXX   XXXX  I got formal letter in response admitting guilt and fault on chase banks end and that my temporary credit would be made permanent. however as I said before this temporary credit was removed and I have still not received funds by the set specified time frame from the supervisor. This is the third time I have submitted it for review and have won my argument, but yet still have not received my money from the bank. Please help me in away possible thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi my name is  XXXX   XXXX   XXXX  and I live at    XXXX   XXXX   XXXX   XXXX   XXXX   Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

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 07-03-2015 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now XXXX after making months of payments XXXX than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a loan from XXXX to take the NY XXXX XXXX XX/XX/XXXX. Thereafter, I spoke with XXXX XXXX about monthly payments and they informed me that I could pay whatever I could afford. I paid {$30.00} through direct debit monthly. No other information was given to me except that these payments were fine. XX/XX/XXXX I received a letter from First Associates, a loan company I had never heard of, stating that my payment was late. I called them and they said they now owned my XXXX loan and they did n't have my debit information so my account was late. This put up a red flag as I received no other info from them and it was not my fault that they did n't have my account info. I gave it to them and continued to pay $ XXXX monthly. Nothing whatsoever was said to me about increasing my payments, interest, etc. I did n't receive any paperwork from First Associates. Now I received a bill XX/XX/XXXX XXXX so presumably I did n't receive it until XXXX XXXX stating that I am 15 days past due for almost {$1000.00}. I do n't understand how I can be past due when I 've been making payments and no bill was sent to me about this amount in XXXX. I spoke with someone named XXXX who said " they tried to email me once. '' Apparently my loan has re-amortized and now I owe exorbitant amounts and have late fees even though a bill was never sent to me in time to pay. I believe First Associates has wrongfully failed to provide me with any information about my loan and who the company is and they are now attempting to force me to pay obscene amounts compared to what I was paying, charging late fees, and threatening my credit. In addition, their interest rate is usury at 17.19 %. After working for 3 full years to obtain XXXX, this was the only loan I was able to get in order to pay XXXX so I was forced to take a loan from a disreputable company at this horrifying interest rate, and now they are going to ruin my credit without any warning or paperwork regarding the status of my loan.

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 01-12-2018 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is ignoring my many requests to investigate, verify and remove accounts from my credit report that do not belong to 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
Consumer complaint received 01-03-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: I was charged late fees on more than one occasion and no one seems to want to remove this issue in a timely manner. 
About 2 billing cycles ago, I went into the walmart store to make a {$25.00} payment on my walmart credit card. I did n't have the actual statement with me but since my previous minimum amount due was {$25.00} that is what I paid. The next month I realized that my payment was actually {$4.00} shy and I was charged a {$35.00} late fee!!!!!! I immediately contacted customer service to complain and was told that the late fee would be removed. That said, I made my normal payment on the due date and was charged ANOTHER late fee. Today, on XX/XX/XXXX after noticing that nothing has been corrected and that late payments are still being applied to this account, i paid {$35.00} as everything else is late fees that are continuously being applied to my account all over a payment that was MISTAKENLY {$4.00} shy. I had also requested months ago that my payments be due on the XXXX of each month, I believe that request only lasted for one month and now the payments are due on or about XXXX/XXXX of each month which is not what i requested at all. Lastly I want to make sure they WM is NOT reporting that I have been paying my account late to the credit agencies because that is not the case!! I would have loved to get this issue resolved via customer service but no one over there has been of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i 'm XXXX have XXXX and state insurance.it 's not my fault if they do n't do the paperwork right and submitted to my insurance.sometimes my insurance wo n't approve different test i need so my doctor has to get me pre-approved to have any test done.XXXX my primary insurance they cover XXXX and the state pick up the rest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX.

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 non-monetary relief
Consumer complaint received 10-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed numerous accounts on my credit reports and they would remove them because they could not be substantiated or the information was wrong. I go back and check it again and they have put them right back on my credit reports. 

One in particular is CASH - one month they state I owe them {$1400.00} - then all the sudden it went to {$140000.00} - I called to dispute and they did remove it but turned around and put it back on their this month!

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