milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction issues

Complaint: I attempted through Western Unions online website to send {$150.00} on XX/XX/2016 to a person in the XXXX. Western Union told me that they would not process the transaction for " security concerns '' but would not tell me what those concerns were. However, they still took the money out of my account ( I used a debit card ), and have yet, 10 days later to return it there. 
As you can imagine, this is quite a swindle they have going on. With hundreds of thousands of transactions if you play this game with a percentage, and then get to hold onto the money for weeks, you can gain substantial use of other people 's money. 
This is the exact equivalent of stealing someone 's car under false pretenses, and then returning it only weeks later and acting as though that is not pure theft. 
In order for you to receive a valid response from WU here is the MTCN number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Ever since my compromised account ( XXXX ) was closed and reopened to the new ( XXXX ) EVERY SINGLE ATM transaction has been declined and NO ONE within the CHASE organization can explain why. I have been embarrassed, left with no way to gas my car, and no way to stock my pantry. 
My old account would ALWAYS pay - REGARDLESS of account balance!! And I never had to worry about my safety or wellbeing. REGARDLESS OF ACCOUNT BALANCE. And in all honesty, I had no problems paying the respective NSF fees. This new account blocks every transaction - not to mention, checks have been returned too!!!!! 
Im NOT happy!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Ive tried on several occasions to close my Wells Fargo checking account but was unsuccessful. The company continued to charge me NSF charges. I tried to work with the bank to clear up theses fees and the refused to offer solutions. Instead the overdraft fees continued to rise until the bank closed the account and sold account to collections. I was told on several occasions I would need to speak with executive offices at the bank for assistance. They even tried on several occasions to transfer me to the department for resolution. Instead I was told they were too busy and would get a follow up call. I was told onXX/XX/XXXX someone would reach out to me. I have yet to hear anything being almost 7 days. Except for the account to be sold to a third party collections.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Bank of America. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Bank of America and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Late fee

Complaint: I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My private loan accounts were initially owned by XXXX XXXX. XXXX XXXX and I reached an agreement to continuously pay {$200.00} a month to remove me from default to current. When speaking to XXXX XXXX a year later regarding my Education Loan, they stated it was being transferred to Navient. They also stated my private loan would be moved over as well. 
I then continuously paid Navient every month, and when my agreed years of payment was reached ( XX/XX/XXXX ) they contacted me with a settlement offer of XXXX. I could not make that the large payment and asked if I could keep the same {$200.00} payment. The Navient representative agreed and I gave my banking information. Approximately, 5 months later I received a second call from Navient inquiring if I would settle the account by paying {$17000.00}. I could not make the second payment and the representative stated they would keep doing the ACH deduction of {$200.00}. When viewing my private loan online I saw my status was considered late payments. When I spoke with the representative she stated the only way the status would change was if I made a lump sum payment to bring it current. I could not make the {$5000.00} payment, so she suggested I make larger payments to have more go to interest. 
I recently acquired my credit report from all XXXX agency and saw that Navient had me as a Charge Off. When viewing my credit score it shows my account status as derogatory and not paying. When I inquired via telephone why was this on my credit the representative stated this was the way they state default. We both went back and forth about the way their reporting there information and that they never notified me it was a charge off. 
On XX/XX/XXXX, did credit dispute with XXXX credit Bureau ( XXXX and XXXX ) and sending documentation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting twice 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 07-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone tried to charge {$35.00} on my American Express credit card on XXXX/XXXX/2016. This same person has hacked into XXXX computers, changed my passwords and stalks me via computer and android cell phone. Places false website businesses about me using my email addresses which were hacked and are controlled by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: usaa had a sales promotion that if you opened a direct deposit account to checking you would receive {$300.00} after 60 days. I joined and received {$300.00} in my account XXXX XXXX or XXXX XXXX, 2015. Under my account details they listed the {$300.00} as INTEREST. IT WAS SALES PROMOTION. When I complained they list it as job income, other income, everything but a sales promotion, and then without my knowledge switch it back to interest received 2015. IT WAS A SALES PROMOTION, NOT INTEREST ON MY ACCOUNT. I have complained several times. I receive only XXXX social security. It being listed as interest or job income changes my IRS filing status. I want it listed for what it was A SALES PROMOTION. I only received {$0.00} interest for 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX added an Collection account to my credit report. I never recieved any written noticed of this acct, I do not think its fair that a collection agency can report and they can not provide me with documents or application thats states my information and signature that the debt belongs to me. XXXX XXXX XXXX unfairly reporting on my credit report without verifying proof that the debt is rightfully mines.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: During XXXX XXXX of 2016, two obviously related companies each sent my XXXX year old daughter ( who looks XXXX ) a {$5.00} tube of Anti-Aging Cream, which she had never ordered. Each company then charged my wife 's credit card about {$100.00}. I phoned both companies and they both indicated that they had no record of my wife or daughter in their files ( making it impossible for me to cancel an order if one had actually been placed ). I phoned Citi Bank and told them of this fraudulent activity. ( The woman I spoke with on that first phone call told me she was aware of these two companies and had received similar complaints about them in the past. ) I asked that these charges be removed and that no further charges be accepted on my card from those two companies. The following month, each company charged an additional {$200.00}, and a few weeks later, {$200.00} more was charged for a grand total of about {$600.00}. I inadvertently paid {$400.00} of those charges when I was paying a credit card bill in a hurry without reviewing all of the charges that were on it. The final {$200.00} I did not pay. I have been corresponding with Citi Bank since the first {$200.00} was charged to my card, and I have even sent two letters to the CEO of Citi Bank. She refuses to have these charges removed ( even though Citi Bank advertises that " you will never have to pay for charges you did not authorize '', and claims that {$600.00} is a reasonable amount to pay for two {$5.00} tubes of Anti-Aging Cream that were never ordered in the first place. Now, the bank is threatening to turn me over to a collection agency because I refuse to pay the final {$200.00} of these fraudulent charges.

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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied for and received an individual and a business credit card from American Express cobranded with XXXX XXXX. As part of sign up promotion American Express offer clearly states that I am entitled to a five night and two stay credit with XXXX toward elite status for each card ( individual and business ) .see attached terms and email confirming terms from XXXX . I received credit for XXXX  card but not the other over one month after account opening. I contacted American Express on XX/XX/XXXX requesting the credit. AMEX representative acknowledged the terms but told me to contact starwood. I contacted Starwood ambassador service XX/XX/XXXX and received an email response ( attached ) telling me I need to contact AMEX. I contacted AMEX on XX/XX/XXXX and spoke with representative named XXXX who told me that XXXX is responsible for this award. See Amex terms that clearly lay out this offer. Since this is Amex terms and the card is cobranded AMEX card I request that Amex fulfill its obligations as per attached terms. As per attached and link below https : //www.americanexpress.com/us/credit-cards/personal-card-application/terms/starwood-preferred-credit-card/36501-10-0/? pznOfferCode=PJCL-2EYIDA-1EV3-H6X & print # offerBenefitTermsDisclosures

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Billing disputes

Complaint: Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.

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 08/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage is the only lender out of the XXXX other lenders that I have that give me issues. For about a year they kept calling me and harassing me about payments being late on the XXXX of each month, when in fact I had till the XXXX to make the payment. After a year of calling an yelling at them over the phone they stopped. Thank XXXX some law firm filed a class action against them which I was more than happy to sign up. 

2- They changed my bill to paperless. I have called multiple times about them changing it back to bill. 

3- My Adjustable rate expired and they never notified me that my payments had gone up. They assumed I would log in online and see it. I did not receive anything in mail 4- Every year, the harass me about my home insurance policy, they want to force their own policy on to me and they can not figure out my name after 7 years still.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (LA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: In XX/XX/XXXX, called and asked for lower payments bc of job loss. Was denied and granted an extension which full payment was due the next week which was a struggle and still is. Company calls everyday threatening to file charges. Very rude and unprofessional conduct.

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 04/19/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I used Equifax to get my free credit report. When doing so I noticed that there was some sort of bill that I owed to XXXX. I called them about it to see if I had a remaining balance with them. They checked their system and did not find any kind of balance that I supposedly owed. XXXX gave me the direct line for citations so I could call to see if I owed a balance with them. They checked their system and did not find an unpaid bill. 

I am not too sure how to go about getting this off my credit report since I do not owe anything and it is hurting my credit. Please contact me at XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: OnXX/XX/XXXX, 2017 I received the monthly statement for my checking account. In the case of reviewing this I noticed that there was likely a fraudulent check. I requested copies and then went to Chase Bank branch onXX/XX/XXXX, 2017 and notified them. Chase Banker and I found 14 fraudulent items. The first dating to XXXXXX/XX/XXXX/2017. 

OnXX/XX/XXXX I received a letter saying my " claim '' was denied due to failure to report this in a timely manner. 

I have called the number provided countless times since then. Essentially I am being told that my failure to report the first item within a Chase mandated time frame ( 30 days I believe but even this has been contradicted by those on the line ) renders me responsible for all items. 

I assert that despite the Chase Terms and Conditions that they have a fiduciary duty to safeguard my account. Instead the same payee on all the fraudulent checks was allowed to repeatedly to cash forged checks. I have no idea how the checks were obtained. I do not even know if they were my checks or if the check stock was forged. I am unable to determine if checks were cashed at counter or deposited to payee 's account. I am unable to determine what Chase policies are in regarding this matter and/or whether they followed their own policies. 

I am unsure where to go with this next and Chase representatives maintain that this issue is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear   XXXX   XXXX   XXXX     : This is in regards to an account that was opened in my name around  XXXX  that I recently saw on my credit report and learned you are attempting to collect  XXXX  from me.     I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing.     Under law, you  may  only contact me once more to acknowledge that you have received this request.   Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward these documents on for me to view.     I expect to receive your confirmation that you have received this notice by  XXXX / XX/XX/XXXX

Company response to consumer: Closed with explanation