milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank debited my account which overdrew my account by {$600.00}. Upon discovering this that same evening at the ATM, I promptly called customer service to inquire about how, what, and why this had occured. They informed me a person who I have never heard of had written a check which had a forged signature that looked absolutely nothing similar to my legitimate signature. I told them that I have not written any checks and to stop it since I did not authorize it, at that point the representative put {$800.00} back into my account as I assumed would be the normal thing to happen in such situations. 1 month later Citibank took the {$800.00} back out of my account because I had n't submitted an affidavit of forgery. So upon learning that I got a police report and submitted an affidavit of forgery which the back office of Citibank denied under the grounds that I did not inform them in writing from 30 days when the disputed charge was found. So my question is how can they base their decision upon something I did do ( affidavit ) once I was actually told to do it, despite them honoring a forged check that should have bounced since I did n't even have the funds to cover it, as well as a signature I did not write or authorize in the first place? What legal recourse can I take to recover my funds that were literally stolen from the forger of the checks and then Citibank directly?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: Well on XX/XX/2016 I did a mobile deposit using the app that Bank of America offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Bank of America debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Bank of America does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.

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 05/21/2015 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Late fee

Complaint: I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other service problem

Complaint: This is in regard to my previous complaint,  XXXX . Following an entirely unsatisfactory response from the company, your agency has closed the complaint. When I tried your link to give feedback directly, the link was broken.     I repeat that it is unethical for this or any company to ask for a credit card number as a security measure. Furthermore my complaint that their own phone complaint system was flawed and contained further scams was not addressed.     In addition the CFPB must fix the link to enable feedback about any proposed resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I NEVER filed chapter XXXX bankruptcy. XXXX is reporting ( acct # XXXX ) that I did a chapter XXXX bankruptcy which is a complete lie. Today I received the results of an investigation from a dispute I did with transunion numerous times. It is still reporting as paid through chapter XXXX. My biggest question is how can a bank report such a lie. I also did this dispute again probably for the XXXX time and transunion told me it would take approx 30 days for the results of the investiation. There investigation was way too quick and I feel they did n't even investigate it properly. The rep at transunion told me that within 24 hours this will be internally removed as they saw I NEVER filed chapter XXXX. It is still reporting on my credit report. I have spent numerous days and hours on the phone plus writing letters requesting to please remove this wrong information as it is affecting my credit score in a very negative way. I have also contacted the XXXX XXXX XXXX in regards to this as they are breaking the ftc law. I am submitting this complaint again as having this wrong information reporting and transunion. I am also submitting this complaint as I had a tax lien in the amount of {$990.00} that was paid. For some reason it is reporting as XXXX tax liens XXXX for {$890.00} and another XXXX for {$100.00} which adds up to the true amount of {$990.00}. Another credit reporting agency has verified and corrected this finally for me but transunion did not do a proper investigation as it would have been verified and corrected. Having all this negative untrue wrong information is affecting me in obtaining substantial credit.

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 01-06-2017 about Credit reporting () with CONSUMER PORTFOLIO SERVICES, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

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

Complaint: Dear Credit Reporting Agencies : XXXX XXXX XXXX , 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.

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 05-08-2017 about Debt collection (Medical debt) with State Collection Service, Inc. (VT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: STATE COLLECTION SERVICES OF  XXXX  WISCONSIN LODGED A DEBT COLLECTION NOTICE WITH CREDIT REPORTING AGENCIES WITHOUT NOTIFYING ME IN WRITING  XXXX   XXXX  specifically requested they Not notify me in writing and only try to call me.   Since  Robot  Callers cant leave a message i had no idea that   State Collection Services was trying to contact me.
If they really wanted to contact me they would have written a letter to me.     So they acted in an underhanded way to affect my credit rating.   I have requested  XXXX  to show me a bill stating what they claim i owe to no avail ... they just send statements and then harrass you by turning your name over to these agencies.     All conversations have been recorded by  State Collection Serv ices

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Transaction issue

Complaint: On XX/XX/XXXX I placed an order on the Macys.com website with a total of {$590.00} using my Macy 's Credit Card. On XX/XX/XXXX I received an email saying that half of my order was back ordered until XX/XX/XXXX and I canceled this part of the order. I called Macys customer service to have the charges of {$360.00} removed. They said that it would take 3-5 business days for the hold to be removed. Today is XX/XX/XXXX and the charges have not yet been removed. I have been on the phone with Macys customer server for over an hour and they are refusing to assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with WELLS FARGO & COMPANY (MN).
Issue: Other

Complaint: Hi, My son got a credit card from Wells Fargo and he was not XXXX and per the law does n't he need a parent to co sign of the credit card? He was issued a card at XXXX and did not have a parent co sign on the card. He is in debt {$1700.00}. A law was passed in 2009 aiming to protect consumers from mistreatment by credit card companies. The law included the following provisions : 1 ) card companies may not change interest rates unless a payment is late or the card has a variable rate, 2 ) credit card bills must be delivered at least 21 days before their due dates, 3 ) adults must co-sign on accounts for someone under XXXX XXXX XXXX, and 4 ) credit card contracts must be posted on-line. 
See # XXXX I am outraged with Wells Fargo preying on children that are not XXXX giving them a credit card!!!!!! 
Sincerely 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 01-08-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: several people made cash deposits in well-fargo establishments, they elegant that these transactions are fraudulent and closed the account, now I can not withdraw the money.

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 06/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from Portfolio what a did receive was a letter and copies of statements but no contract with my signature. Portfolio now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: The  Mobile  application f or US ba nk does n't reflect the correct available balance and can differ from the online banking website. The online banking website apparently can have an expansion window that can reflect if you are over your actual available limit where th e Mobile application does n't This can be misleading if you are using the Mobile ap plication and can think your available balance can be an amount when factually i t may not and US bank wil l access an overdraft fee regardless because it goes off the online banking website with the drop down windows. I was assessed a late fee because my account was negative  XXXX  and a  XXXX  one because it was a negative {$1.00} total between the  XXXX  transactions. You ca n't transfer anything less then {$5.00} between your accounts. I was assuming my account had {$26.00} and transferred {$5.00} to another account leaving a balance of {$8.00}. On more then  one  occasion I was charged an overdraft fee because the Mobile application was different then the online banking website.

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 02/19/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am filing a complaint and as that the Chase account be cleared and deleted from my credit report due to the fact that Chase filed a XXXX to the IRS for the amount of debt as additional income. 

I filed the XXXX accordingly when filing my tax returns for the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

The Chase account is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Customer service / Customer relations

Complaint: I applied for a Citi Bank/Costco card and received XXXX in XX/XX/2016. The card was activated and used in XXXX. I received a telephone call that I was overdue in the middle of XX/XX/XXXX for a payment, I told them that I had not received a bill. They said that I was paperless ( I did not choose that option, nor would ever choose that option ) and my bill was being deducted from an account. I asked what account and was told that I had n't set that up yet. I explained that I did n't want to be paperless, nor did I want to have an automatic withdrawal from my account. I was told they could not e-mail me a bill, but they could fax me a bill, but it would take XXXX hours. No fax ever came in. I was called again this past Sunday XXXX XX/XX/XXXX ) and told that I had to make a payment on the card or would be billed for interest + a late fee. Again I told them I had not yet received a bill and was told that they showed that a bill was sent out on XX/XX/XXXX and it could take XXXX days to receive it. They never indicated that I had been sent a fax. Again the pressure to set up an automatic bill paying account - which again I refused. I asked to speak to a supervisor and spoke with " XXXX '' employ # XXXX. He also demanded payment and said they would XXXX a late fee and interest that day if the account was not paid in full. Even though I still have never received a bill ( either by fax or through the mail ). I paid my account in full by giving him my routing # off of my checking account and asked him to close my account. What is so frustrating is that I still have n't received a copy of my bill, I am not sure the charges are correct, I have paid the account off ( {$4400.00} ) but have no way of knowing if those are the correct charges or if I have been charged late fees, interest, etc. I checked the mail yesterday XXXX XXXX ) and still have n't received a copy of my bill and they still have n't faxed anything to my fax machine. Again during my phone discussion there was the pressure to set up my account in an auto pay mode - which I adamantly refused to do! Can a credit card company refuse to supply the bill and yet demand payment? I ca n't dispute any charges since I have never seen my bill.

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 08/30/2015 about Debt collection (Medical) with Professional Finance Company, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Professional Finance Company is attempting to collect debts for XXXX and XXXX. I have never received validation of this debt, nor any proof that this debt is actually owed and I am responsible. Furthermore, for it even be possible for this debt to be mine, PFC would have engaged in re-aging. Re-aging is a violation of my consumer rights and the FCRA. Collection companies participate in this act to maximize their collection time. Failure to validate this debt is also a violation of my consumer rights. PFC can be held liable with fines for such activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Was looking to getting a car. XXXX ran my credit through their banks, when I was told it would only be ran through them. I ended up with 6 inquiries from that transaction. I have spoken to both experian and XXXX and they have said the other entity would have to delete it. The following are the accounts in question : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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