milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Deposits and withdrawals

Complaint: I attempted an online transfer of {$200.00} from my Wells Fargo account to my husband 's Wells Fargo account. During the process, I mistakenly selected an option to send the money to my husband 's old XXXX account, which has been closed for several months, instead of his current Wells Fargo account. The money was immediately withdrawn from my account during Wells Fargo 's attempt to send it to my husband 's old, invalid account. Four days later, I noticed my husband had not received the {$200.00} nor had it been returned to my account. I contacted Wells Fargo customer service. They say I have to file a claim to get the {$200.00} back, which may take an additional 10 days to resolve. My complaint is that 1 ) This online transfer should have been a pending transaction until the money successfully reached a valid account. In such a case, the {$200.00} could have been immediately restored to my account when the error was discovered. 2 ) It 's unethical, and possibly illegal, for Wells Fargo, or any third party Wells Fargo utilizes, to withdraw and retain a customer 's funds for up to two weeks when it was immediately known that the target account for the transfer was no longer valid. It 's unsatisfactory for customers to have to wait for inordinate amounts of time to have money restored to their accounts., when these problems can be securely corrected within minutes, not days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filed for chapter  XXXX  bankruptcy on  XXXX   XXXX  of  2017. I filed jointly with my spouse. The bankruptcy was discharged o n  XXXX   XXXX  of  2017 . The bankruptcy is still not showing on my credit report with any of the  XXXX  bureaus. It does n't even show that I filed at all. It is already showing on my husbands that it was discharged. I contacted Transunion,  XXXX , and  XXXX  on  XXXX   XXXX  to see why it still have n't reported it. They all tell me, it 's nothing they can do because that are just a monitoring agency. They have n't given me any resources or any other response besides there is nothing they can do since it 's not reporting. I called again on  XXXX   XXXX  once it was  discharged  and was told the same thing. I know the bureaus received the notice because again, they are reporting the accurate information on my credit file. I was told there was no reason to send the documents, because they ca n't correct my credit file because they only do " credit monitoring ''.

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 07/23/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: APR or interest rate

Complaint: I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Good Afternoon, My name is XXXX and I am upset with Ditech Financial because of the reason ( s ) I was denied for a loan modification. I am not going to go into detail about my illness but I will say that I do not make the same salary as I did when I was not sick. At my illness progressed, I stopped working and currently rely on XXXX and rental income. I sent all the proof along with my loan modification application. 
In the denial letter it is stated that the hardship is not temporary or resolved but where in the guidelines is it stated that a hardship has to be temporary in order to obtain a loan modification? Then they say that I have exceed the amount of modifications ; XXXX XXXX guidelines state more than 3 ; I have only had 2 and that is because I was not aware of how serious my physical health was going to be affected along with my income. 
I do not ant to lose my home! PLEASE HELP ME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with Prospect Mortgage, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: The Complainant engaged a lender, Prospect Mortgage, XXXX ( " Prospect '' ), to obtain financing on the purchase of a residence. The purpose of this complaint is to notify the CFPB that Prospect has refused to timely fund the Complainant 's loan pursuant to a Letter of Commitment. As a result, and as detailed below, Complainant is likely to incur significant financial damage. Complainant has reason to believe that Prospect does not have sufficient funds available to fund its loan commitments and/or engages in a practice of issuing more loan commitments than it is able to process. 

The Complainant engaged Prospect Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NMLS ID # XXXX, upon entering into a purchase agreement for a residence on or about XXXX XXXX, 2015. The Complainant hired Prospect based on their representations that they are XXXX of the nation 's leading residential lenders and are backed by {$5.00} XXXX in assets. 

At Prospect, the Complaint was assigned to loan officer XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX, Email : XXXXXXXXXXXX. 

On XXXX XXXX, 2015, Prospect Mortgage issued a Letter of Commitment that it would provide certain financing on or before XXXX XXXX, 2015. The Letter of Commitment is executed by XXXX XXXX. 

Despite the Complainant meeting all conditions under the Letter of Commitment, Prospect Mortgage is refusing to fund the loan by XXXX XXXX, 2015, because, according to XXXX XXXX, they are too " bogged down. '' Prospect informed the Complainant that they are unlikely to be able to fund the loan until XXXX XXXX, 2015. 

The purchase contract for the property has a closing date of on or before XXXX XXXX, 2015. Pursuant to the terms of the contract, the Complainant is obligated to close once he obtains a loan commitment. The contract further provides that the Complainant will lose his deposit funds of {$20000.00} in the event that he is unable to close by XXXX XXXX. Complainant will also incur the cost and inconvenience of having to locate and move into a rental property. As of the date of this complaint, the sellers have not agreed to extend the closing date. 

Complainant has informed Prospect of their legal obligation to provide funding pursuant to the terms of their loan commitment. Prospect has refused to acknowledge that their loan commitment obligates them to provide funding. More specifically, Prospect seems to be misinformed that they are permitted to delay funding of loans based on their own underwriting and investor delays. Prospect has admitted that they are not always able to timely fund their loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or aboutXX/XX/XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX 

Please review attached

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 01/22/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.

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 09/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I am constantly being harassed by Midland Credit on a XXXX XXXX XXXX acct that they will not give me any information on this acct. I have asked for information and still nothing except they are filing a suit against me. Their letters and phone calls are very abusive and demanding hundreds of dollars. I am XXXX years old and on Social Security I just do n't know what to do anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Back in XX/XX/XXXX, I made a complaint with the BBB regarding the company XXXX XXXX XXXX XXXX that recently took over the billing for XXXX XXXX back in XX/XX/2017. The account is in my husband 's name, which the account is an XXXX account since he is in the military and the payment amount changed to {$48.00}. For whatever reason, XXXX can't seem to get it correct. They call our home, literally starting at XXXX to XXXX, over XXXX 's a day. Once I speak with them, which they are allowed to discuss the account with me, they state the account is {$740.00} past due. We have been going back and forth with this company not being able to get this account correct since they took over the billing in XX/XX/XXXX. Here we are 4 months later, with my husband 's credit taking a hard hit because XXXX can not get their billing together. I am tired of them calling my home everyday all day with the wrong information. Even if we paid the correct amount that is due, with their system not corrected it will still show the account past due. We need this fixed and calls STOPPED! The apologies are starting to wear thin.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: ON XXXX XXXX, 2015 I EMAILED XXXX XXXX AT WELLS FARGO WARNING HIM THAT THERE WILL BE A CHECK THAT WILL NEED MY ENDORSEMENT SINCE I AM NAMED ON THE CHECK. I ALSO MENTIONED THAT THE OTHER SIGNERS OF THE CHECK WOULD BE DEPOSITING THE CHECK WITHOUT MY SIGNATURE. I GAVE THEM A COPY OF THE CHECK AND A COPY OF MY SIGNATURE. ON XXXX XXXX, 2015 I RECEIVED AN EMAIL FROM XXXX XXXX SENDING ME A COPY OF THE DEPOSITED CHECK.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I keep getting negative collections on my XXXX report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

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 06/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Privacy

Complaint: Had some fraud on a credit card so my financial institution. Capital One issues me a new card on the same account. I have some recurring transactions on the card and was updating that information but had n't gotten around to all of the vendors. At one point I logged into XXXX as I saw a charge on my new card from them I look and I see that they have my updated card information. I initially thought that I had updated the card and just did n't remember, so I shrugged it off. But then I saw a charge from XXXX, XXXX and I KNEW I did not give them my new card number because I had intended to move that recurring charge to another form of payment. I logged into my account and not only had the charge gone through but now XXXX has my new card number. I had never given to them nor authorized anyone else to give it to them. 

I called my financial institution and they said it was XXXX. I called XXXX and they said it was my financial institution. I did some digging on XXXX 's website. And sure enough they sell it as a service to their merchant customers. XXXX No one will tell me how I opt out of this or even if I can opt-out. But I find it an unacceptable security risk that someone is providing a third party with my private financial data, my credit card number, without my express consent. 

I understand the convenience this provides both businesses and consumers, but I feel this is something I should have to opt-in to, or at the very least be able to opt-out of.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On   X/X/2017  I  want to continue to move forward with clearing up my debt.      XXXX   XXXX   XXXX   XXXX , has not provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to  XXXX  requesting validation and of options, by    X/X/2017   .     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and noticed an unrecognized account from World Finance. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. World Finance has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that World Finance knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XXXX XXXX I purchased the counterfeit item through XXXX where the seller was based in Texas, USA. I received my package from XXXX and the seller is located in XXXX. I paid $ {$730.00} to XXXX. XXXX and XXXX did not approve my complaint - instead they took money from me and will eventually pay to counterfeiters in XXXX. Both entities support Counterfeits in XXXX. Here is info on XXXX : Funds will be available to your recipient on or before : XXXX XXXX, 2016 The payment will be credited to the recipient 's XXXX account. The recipient will be able to access the funds according to the terms of their XXXX User agreement. This should not impact the shipping date or any agreement you have with the seller.

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 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My servicing was change from XXXX to Select Portfolio Services , Inc. They have incorrectly calculated my monthly principal and interest payment as well as take out escrow amounts for home owner 's insurance when I pay that myself. 
On top of that, they charge my high late fees since I refuse to pay the additional incorrect amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX  has been reporting a debt on my credit report. I have yet to receive  one notice from them in regards to the debt at my address. This also means that I was  not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today    XX/XX/2017    that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been repeatedly disputing this debt due to fraudulent activity on my credit. I have now recently received XXXX letters in the mail yesterday from Portfolio Recovery Associates stating that they have received my disputes ( several ) in regards to an account opened in 2007, yet will not remove it because THEY say it is my responsibility. They also state in the letters that if any more disputes/inquiries are received that they will be handled as " responded '' and no longer investigated. I have disputes that have been resolved very simply with other companies for the exact same reason. I have filled out affadavits with other agencies and cooperated with information that was requested by them. This is not the case with PRA!

Company response to consumer: Closed with explanation