milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XX/XX/XXXX I did a zero interest balance transfer with my Wells Fargo XXXX that had a zero balance at the time of the transfer. 
XX/XX/XXXX I had a fraudulent charge on my card interest began to accrue once it was discovered WF credited my account the full amount plus interest. 

Around the XX/XX/XXXX I noticed they were still charging me interest on the fraudulent charge. On XX/XX/XXXX they reversed the interest charges and was promised that it was resolved and it would not happen again. I was also told that they would monitor the account to assure it didn't happen again. 

XX/XX/XXXX interest was charged again. 
XX/XX/XXXX I called to report it and was told that someone within WF had check the account and did nothing to correct it. They are now opening yet another case file to investigate this. 

Since WF has a history of this XXXX, I thought you should be aware and could look into this possible affecting other people as well.

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 04/13/2015 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I do not know what this account is this account does not belong to me it was opened up as a result of my identity being stolen .. and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (I do not know) with Enerson Law, LLC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.

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
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received several private student loans back in 2006. I did not complete school. I began to hear from something called the XXXX Trust which was confusing to me as I took out loans from XXXX Bank. I have since found out that XXXX Bank is not even permitted to issue these loans anymore because they would sell them to places like the National Collegiate Trust. According to my research these are passed around like stocks on a stock market. Anyways, I began to receive harrassing calls but I chose to ignore them because I had no idea who the XXXX Trust is. I then received a summons in the mail so at this point I called back. The lady on the phone told me it was about collecting student loans but that my prescence was not needed in court. I did not hear anything for almost a year. I imagine this is so the time allowed to appeal such a case would expire. They then began to try and garnish my wages. I was shocked that they were able to garnish 25 % of my wages. I had read with federal loans there are all kinds of programs to help people pay them back and set a max percentage of wages to be used. Unfortunately private student loans do not operate under these laws and they also are protected like federal loans from bankruptcy. How can this be? This is ridiculous. Not only is the amount they are claiming completely false but I am left with no options. Then I check my credit report and they arent even listed on it? How can this be? Are they trying to allow me to obtain a house or a car so they can use it against me? This makes no sense. The XXXX and XXXX this has caused is worse than any amount of money I can assure you of that. I cant be the only person in this situation either. I just want a fair chance to be a good contributing member of society and to the economy. Please will someone look at my case and tell me something can be done. Not just for me but people in my shoes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been a XXXX resident since 2006. As a result of a mortgage interest statement, the state of XXXX determined that I must have earned XXXX. revenue. My accountant and I responded and the state determined that no other action was required. However, a lien was already placed on me and I can not get it removed. Included is all of my documentation. I have divorce documents showing ex wife 's ownership of home in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TD BANK US HOLDING COMPANY (MA).
Issue: Money was not available when promised

Complaint: I had a IRA CD with TD Bank that was due on XX/XX/XXXX. I submitted the paperwork to have it transferred to another Bank on XX/XX/XXXX
The check was to be made out to the other bank and it should have been made on XX/XX/XXXX the day that the CD was due. We continued to check with the new bank to see if the money had arrived and was told no.
I went to the TD Bank on Tuesday XX/XX/XXXX to verify that everything was all set and the young lady told me that the account had been closed so I assumed that the money was sent. When the other bank had not received the funds by XX/XX/XXXX I went to the TD Bank in XXXX MA again on XX/XX/XXXX and spoke to XXXX XXXX at XXXX. He check the account and told me that the check was sent that day Aug 4th. He said that they had 10 days to process the CD which I understand is not correct. I have ten days to decide what I want to do but the bank needs to process it when they have the directions which was prior to XX/XX/XXXX.
XXXX was to call me on Monday XX/XX/XXXXto give me the check number and tracking number but he did not call. On XX/XX/XXXX I called XXXX and he then told me that the check was sent on XX/XX/XXXX.
I then talked to the Branch Manager XXXX XXXX about this and he got me the check number but no tracking number and he told me that the check was mailed on XX/XX/XXXX.
They also reduced the interest paid from 1.25 % to 0.75 % for the period form XX/XX/XXXX to XX/XX/XXXX
I still do not have the check and do not know why they did not process it onXX/XX/XXXX which is the federal law.
I also think that they did not send the check until MondayXX/XX/XXXX so that they could use my money over the weekend without paying interest.
I do not understand how they can break the federal rules with no impact. They claim that they did not break any rules. I now must wait until the funds arrive in the US mail before I can roll over my IRA.
Bottom line is that TD Bank is not following the banking rules and taking advantage of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Rewards

Complaint: I was extended an offer by American Express to get a " Blue Cash Everyday '' card with a {$200.00} rebate bonus ( as a statement credit ) after spending {$1000.00}. 

However, they only gave me a {$100.00} credit when I reached that spending level. When I called in on XX/XX/XXXX, they insisted that my offer was only for {$100.00}. When I provided the details of the offer to them, the opened a case and said to give them 10 days to investigate it. It 's now been well past that and I am now being told it might be 6-8 weeks. 

This has gone on far too long for an error that should have never happened in the first place. I certainly would n't get 6-8 weeks to fix an error in my payments without repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Back in XXXX, I sent a letter to XXXX and Trans Union ; asking them to investigate errors on my credit report. They have yet to respond, but they are supposed to respond within 30 days.

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 06-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a Public Record of a Judgment a little over {$1200.00}. I had the law firm send me documentation that it was paid. They will not send it to the credit reporting agency, because they say they did n't place the filing. But they are the ones who filed the documents. They said it has to come from the original creditor. But I called the Court and they said it was the law firm. But the law firm will not remove the derogatory credit filing.

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 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am looking at my credit report and my name is not fully my legal name. I would like to update that information as soon as possible.

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 05/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They have called my employer numerous times, even after I have asked them to stop calling me at work, at the phone number. Not only that, but they have told my employer who they are, and that they are debt collectors, and have given personal information out. This damage, can not be undone. They should have never called work, and when asked to stop calling they did n't stop. They are not allowed to give out personal information /or say it is regarding a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (NC).
Issue: Charged fees or interest you didn't expect

Complaint: XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.

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 Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Nelnet services the bulk of my federal student loans. This company has been allocating my loans in ways contrary to what is listed in my monthly statements and payment schedule for the entire time I've had the loans. When I contacted them, which I have to do every month because the auto payments just happened to be allocated towards my lowest interest loans to have it adjusted to match what is in my payment schedule, they tell me that they have to put in a special payment request to do so, and often, this payment request is not honored and I have to contact them through their chat service to make an additional request to have it fixed. I repeatedly asked for proof that such request was being made and to understand why the payments weren't being allocated as suggested in the monthly statement or payment schedule, both of which are available in my portal, but they said that such requests were not accessible to me and they couldn't share any internal information. This was and is a huge burden to me to attempt to have my loans allocated towards the higher interest groups, or at the very least in the sums as stated in my original payment schedule or even the monthly statements. I repeatedly asked that my loans did not get " advanced due dates '' and almost always clicked the box to not advance due date ( once I figured out what that did ) when I made additional payments, yet, the loans still get out of sync. The secretive and nontransparent loan allocation process is always in Nelnets favor and to my financial detriment. Furthermore, the auto amount withdrawn monthly seems to be reduced at random times without my consent to push out the time frame I'm paying my loans and thus interest to them. I did not consent to this and again, is a non transparent action Nelnet takes that is in their favor and to my disadvantage. I feel like I have no control and that they are not accountable. I've paid on time always and I'm very attentive, which only means I see the re-allocations and have to spend much more of my time than I would like attempting to have it resolved. The lack of transparency and sneaky re-allocation drives me crazy. I don't see why this company should be allowed to profit when taking advantage of student loans in this way. I have documentation of some of my chats to prove that I repeatedly requested the allocations to be fixed because the portal overwrites whatever they've previously done. Again, no transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In 2012, I disputed incorrect information that appeared on all three of my credit reports. Equifax conducted an investigation and removed the record from my report. The FCRA requires that Equifax , in this situation, contact the other bureaus and tell them to delete the information from my record. This was never done. About three years later, the deleted information was reinserted into my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX Hospital told me am underneath the Economic Hardship program and the debt its not owed in this amount Optimun Outcomes INC is asking.

Company response to consumer: Closed with explanation