milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Experian has charged my bank check card {$110.00} for the seven months ( beginning in XXXX 2015 ). Experian allowed XXXX people to fraudulently use my bank card to open Experian accounts. My check card was billed 4 times monthly for {$29.00} for seven months totaling {$830.00}. The Experian manager stated that she could not refund the money that my bank would. My bank will only refund two months because my debit card was used for those transactions. Experian closed the fraudulent accounts and provided this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my personal information and identity to open an account with XXXX XXXX. The account is an unauthorized and fraudulent account with Affiliated Credit Services. I have never applied for an account with XXXX XXXX. I have been receiving harassing, threatening and death threats telephone calls from Affiliated Credit Services in regards to a debt of {$240.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian is reporting a fraudulent account on my credit report twice and has refused to remove. Experian in reporting XXXX same account two times from XXXX, account numbers Account number XXXX. Obviously, XXXX does not know it is illegal to report the same XXXX account twice, against FCRA. I have submitted accountable documents to Experian to support that this XXXX same fraudulent account from Navient Account number XXXX is reporting twice and it XXXX XXXX 's account not XXXX XXXX. I have never signed or had any affiliation with this account Account numberXXXX from XXXX. I did not know about the account until discovering on my credit reports. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Experian credit report once again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for the removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: ... 1 ) Simple Bank does not notify or disclose anywhere to its customers that it will treat federal money orders like a personal check. All Simple Bank states is that they will hold checks for 10 days. 

... 2 ) Normally banks and merchants treat federal money orders the same as cash, whereas they treat paper checks as, well, paper checks. 

... 3 ) If Simple Bank wishes to uncharacteristically treat money orders the same as paper checks, Simple Bank would be required to notify its customers of such a draconian policy ; but they have not updated their terms on their website even though this is the third complaint. 

... 4 ) The solution is Simple : Please update your website stating money orders will be treated the same as cash, and then please compensate my account for your oversight in not properly notifying customers that money orders will be treated the same as personal checks with regard to holds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction issues

Complaint: I had sold an item ( Snap-on XXXX Portable Gas Generator XXXX - XXXX ) to buyer : papooseman for which this buyer later opened a false item not received ( XXXX ) case on XXXX ( Case ID:XXXX ). The item had been delivered to the buyer as tracking clearly showed and shipping was purchased from XXXX, so XXXX did rule in my favor and release the hold on my PayPal funds ( see attached - Unique Transaction ID # XXXX ). Recently, when I was tallying my inventory and funds, there was a discrepancy of about {$480.00}. So, I rechecked all my transactions on PayPal. Shockingly, PayPal had reversed/refunded these funds to the buyer, even though XXXX had ruled in my favor. I then appealed to XXXX who said they find it in my favor and would ask PayPal to return the funds back to me. It has been more than two weeks and this matter has not been resolved. They are just transferring me from one department to another. They did not provide me any chance to provide a rebuttal. This is blatantly unfair. Please help me out.

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 Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I was told today by your offices to file another complaint to try to force Wells Fargo to answer through your offices. The original CFPB Complaint number was XXXX, which was filed in XX/XX/2016. i will attempt to attach subsequent correspondence between myself and Wells Fargo via phone calls, E-mails and faxes in chronological order. Basically, all Wells Fargo has done is to stall by forwarding the information between California, Oregon and North Carolina and force me to keep answering the same questions repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I submitted through JPMorgan Chase a request to pay XXXX XXXX {$20.00} on XXXX XXXX. This request was made through my checking account using online billpay. I have previously made 4 payments to XXXX over the last year and half as he is my newspaper carrier. The address it is sent to is in the city I reside. There has never been a problem until now. On XXXX XXXX I received a notice from Chase saying they had the payment under review for XXXX and would not process until I provided his name, address ( both which they had ) Date of birth, place of birth and nationality. I explained I had no info and he was my newspaper carrier and wanted to know why after paying him for 1.5 years {$20.00} every 4 months this was necessary as I was authorizing this payment and it was being sent XXXX miles from my house as he provided me a service ( delivering me a newspaper ) again no answer was forthcoming and no payment has been sent. I have called Chase 4 timesand received NO satisfaction. I understand the need to guard against money laundering but this is overboard - a repeating minimal payment I 'm authorizing and have authorized in the past which were processed without a problem sent locally feels like Chase is either incompetent or engaging XXXX profiling. I am filing this complaint because I received no answers from Chase after multiple calls and a visit to the branch - the local XXXX, Ca branch attempted to be helpful but were stymied by corporate. Since I have received no satisfaction from Chase regarding this I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Other debt) with RAS LaVrar, LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I filed a CFPB compliant case number # XXXX against RAS Lavrar , LLC and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that XXXX XXXX XXXX is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both RAS Lavrar and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with UNIVERSAL TECHNICAL INSTITUTE (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Advertising and marketing

Complaint: I applied for a Marriott Rewards Credit card under the rules that I was to to receive XXXX Marriott Rewards points from Chase Bank. After Spending the required {$3000.00} dollars When I called up to verify ( because Chase Credit Card Services runs a bait and switch operation ) they told me I did not sign up for that service. NOTEWORTHY, I first called Marriott rewards who told me that my first number thousands of dollar in XXXX purchases were not reflected to my card/account and the MARRIOTT REWARDS SERVICE agent DIRECTED ( without me asking me to contact Chase and ask to SPEAK TO A SUPERVISOR ( I THINK BEACAUSE THEY KNEW THEY WERE DOING A BAIT AND SWITCH OPERATION and have had many calls ). I once signed up for an XXXX XXXX Credit Card whereby Chase offered XXXX flights annually if you took they offer while still on the plane. THEY ARE A CROOKED BANK!!!! I guarantee it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I h ad 2 o riginal loans totaling {$43000.00}. I have paid {$55000.00} to date and my current balance for these loans is {$50000.00}. I know that there is interest associated with any loan, but I believe something is not right here. At my current repayment rate of {$460.00} per month, these loans will be paid off in  XXXX  of  XXXX , which is in 15 years. If my current repayment rate continues, I will have paid an additional  XXXX  for a total of {$130000.00}, or over 3 times the amount of my original loans. In addition, I will be  XXXX   XXXX   XXXX  at that point and finally paying off my student loans!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: After checking my credit files I realized that an account that doesn't belong to me is on my files. The account is from Care Credit XXXX XXXX. I have tried multiple times to have this item removed from my credit files but it has not been. Care Credit has also removed this item three times, but added the account back to my credit files every time. This account is fraud, I never applied for it, and it needs to be removed ASAP. The account information is as follows. XXXX/Care Credit ... balance : {$12000.00} ... date opened : XX/XX/2014. Remove this account from my credit file, it does not belong to me and is offensive. I have attached copies of my files as well as the police report I filed for this account.

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 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of identity theft last year. Several accounts were opened in my name. Several companies extended credit. When I found out. I contacted all the credit bureaus and placed a fraud alert. I filed the required affidavit and returned a copy to each company that there was credit opened with my name and used. I also sent a copy to each credit bureau including Experian. XXXX is XXXX of the companies that is giving me a hard time. They say that It is my account and refuse to take it off. Experian refuses to investigate any further hiding behind the XXXX clause. I want me credit report to report exactly what my responsibility is. I was a victim of identity theft. I am not going to pay XXXX for item that I did no authorize and I also did not receive. Also the system for uploading documents to experian is not working. I have had to spend numerous stamps getting correspondence to them.

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 07-10-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I make a Money Transfer by Western Union from XXXX to XXXX XXXX. I receive a MTCN number for the transaction, but when I went to take the money the western union agent do not have all the money necessary to pay me ( total amount of {$180000.00} - american dollars ). So I receive two checks : one of {$100000.00} and other of {$80000.00}. 
The problem is that when I deposit these checks in my bank accounts XXXX XXXX Bank XXXX the bank refused the check of {$100000.00}, saying that the check does not have founds and close my account and hold this check for many days. When I receive the checks back I try to talk with the Western Union, but I do not receive any answers or help even trying to talk with different agents. The XXXX XXXX Bank refused the check too. 
I would like to take my money in cash as soon as possible. I am waiting for a solution for about 3 weeks and I can not wait anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with JPMORGAN CHASE & CO. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In   XX/XX/XXXX - XX/XX/XXXX , I had tro uble paying my studen Loans and was received calls at work several times a week from Chase Student Loans. I repeatedly told them I could not receive these calls at work. I was calling weekly to make payments to catch up. At one point, a collection person called me and saying that should would no longer accept partical payments and began threatening to take me to court and have my wages garnished and they could seize any property I owned. I called another collection representative I had been dealing with in tears over what she had said and he saw in the notes on my account she had made records not to take partial payments from me. He removed the notes and went to review the phone records of her call and found them to be " missing ''.   XXXX  I continued to make weekly partial payments and my credit still refelcts th e 60,90,120  days late because Chase Student Loans refused offer any other options.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (DE).
Issue: Closing on a mortgage

Complaint: On XX/2016 Wells Fargo was my note holder as well as the holder of the Home Equity line of credit. When the home was sold the Home equity line of credit was supposed to be paid off. I have contacted the attorney that represented me, XXXX XXXX XXXX PA law offices. The Law office advised me that there was a mistake made. I have been paying on this Home equity line of credit for 1.5 years believing that it was my mistake. I recently discovered that not only am I not getting the mortgage interest write off but that the home equity line of credit extended by Wells Fargo should be paid by the home owner. I have contacted Wells Fargo as well as the attorney office and have gotten little to no help. I was told there was a title mistake made. I have been told the attorney made a mistake. I have also been told that Wells Fargo made a mistake. I do not understand why I have been paying for this ( automatic withdraw ) for 1 year and 6 months. Please help in however you can. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone Stole My Identity And Opened started A Debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$990.00} from : XXXX XXXX, which was opened on : XXXX XXXX, 2012. 
I am again disputing that I do not owe this debt and at that time, I submitted proper information to XXXX and Equifax to reflect that I had a stolen identity. 
The CRA ( Equifax ) continues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me. 
Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report. 
This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution. 
Equifax has already placed a Fraud XXXX alert on the other XXXX CRAs, so you do not need to do this again ... Let 's be intelligent here. I want you to review the attached documentation and REMOVE/DELETE this entry asap ... I am on the verge of making sure the AG fines your establishment for years of extortion. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AP).
Issue: Loan modification,collection,foreclosure

Complaint: From my understanding that Nationstar will not give extension until they get the approval from XXXX. The first had approval for Nationstar was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we do not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 
At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and XXXX XXXX member is XXXX and I have to tell him this disappointing news.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Debt collection (Auto) with CONSUMER PORTFOLIO SERVICES, INC. (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Consumer portfolio services calls repeatedly thoughout the day within 10 minutes of the previous call. I understand a debt is owed but I feel the number of calls per day is considered harassment

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Mortgage (VA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.

Company response to consumer: Closed with explanation