milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( 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 07/22/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Transaction issue

Complaint: I placed an online order on Home Depot.com for a washer and dryer using my Home Depot credit card ( issued by Citibank ). My account at the time had a {$0.00} balance with just under {$6900.00} limit. Once I placed the orders, i received emails advising that the charges were declined. When I contacted Citibank, they advised that the charges were approved. When I then contacted Home Depot, they advised that the charge was declined. Neither Home Depot or Citibank have been able to advise me why the charges were declined and as a consumer, I have a right to know why the decline

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 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me thanks

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 08-10-2016 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A man from their corporate office has called me repeatedly and has now escalated to yelling at me on the phone. he was very rude to the point of me hanging up on him

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (MD).
Issue: Struggling to pay your loan

Complaint: XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month.
I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted request for VA XXXX, and have experienced delays, misunderstandings, reassignment, escalation, and ignorance of VA XXXX guidance under VA XXXX XXXX in regards to my VA XXXX review. Was told last night that VA XXXX request is denied, and that they have no knowledge of Principal Reduction Alternative outlined in VA 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 10-01-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with CCS Financial Services, Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Auto debt) with CONSUMER PORTFOLIO SERVICES, INC. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Consumer Portfolio Services , Inc    XXXX   XXXX   XXXX   XXXX   CA  XXXX  I had my   XXXX   XXXX   XXXX   finance by this company as of this day the loan has been paid but I had very bad accident   XXXX   which has left me unable to work and cut my income to  XXXX  for a couple of years , I contin ue to pay my monthly note of  XXXX  to Consumer Portfolio Services. And the were times that I could n't make the payment on time so I had some late  fees I conti nue to pay the company {$390.00} per until the late fee has been pay to this day. I just made a payment in  XXXX  of  XXXX  I spoke to  XXXX   XXXX  from the company and inform her that I can pay this off, but not all in  one check t he response was it has close by   XXXX   XXXX   XXXX  , or we going take action.   On   XXXX   at got call from an unknown  number,  XXXX   XXXX  , thi s person did n't acknowledge oneself, I did call the number back and it roll over to  Consumer Portfolio Services. I will continue to pay this bill as of   XXXX   as of this day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Consumer Loan (Title loan) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Received a loan I didn't apply for

Complaint: santander bank issued me a over draft acct that i neither asked for now want. they gave me an over draft bill of XXXX which i promptly paid and told the bank rep on the phone. she assured me that after i paid it they would take it off my acct. the following month XXXX was added on as another fee that they said i had to pay for this over draft acct. when i paid the XXXX dollars the rep assured me that this was all i owe and it would be paid off and taken off. i called santander banks fraud dept and got the run around and put on hold for over an hour where they disconnected me 3 times. now there is a collection rep who has called me every day for a month to pay that bill plus late charges and other fees which now total XXXX .i am at wits end because now they 've closed all of my acts and put a negative rating in my credit score which will prevent me to cosign for my daughters student loans. i want to sue them for fraud and punishment damages for putting me into an account i did n't ask for and am forced to pay for. even if i pay this santander tells me that i ca n't get rid of this over draft acct.

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 10-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a request to Equifax , that I will attach, along with my ID documents in XXXX. I just realized they never responded to my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have continuously disputed two items from my credit report that does not belong. The first company is listed as : XXXX XXXX XXXX, and is reporting a judgement in the amount of {$2400.00}. There " judgement has the incorrect address, social security number and date of birth. As of XX/XX/XXXX the new policy throughout all agencies is to remove this debt. Since then they have not. I have been disputing this information for over a year. I have provided information showing this was not me and asked to remove it. They continuously report and has dropped my score drastically. The second item is a company listed as : XXXX XXXX XXXX in the amount of XXXX, again this item was disputed and taken off in the past but continues to pop back up every couple of years with a third party collection agency. I have asked the company to investigate and provide proof of debt. I have yet to receive that.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: PHH Mortgage bought our loan from XXXX. They failed to apply the funds from our original escrow account to our homeowners insurance company. They claimed that they sent us a disbursement check twice, but we have not seen this. They are now claiming that we owe them more in our mortgage because they are charging us for XXXX escrow accounts, since they are claiming that they sent us the disbursement check and they paid our insurance company. They have not sent the disbursement check and it has been more than the 30 days required for them to resolve issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: I inquired about getting a new credit card with American Express. The chief reason why I decided to get a card with them is because there was a possibility I could link up the purchases I made on my corporate credit card to accrue points. I asked them specifically if I were to get a personal american express card would points I make with my corporate credit also count. They asked for my corporate credit card number and assured me that this would be the case and that once I got the approved and received the card to call up their points department to link up the cards to gain both point on my new personal credit card and corporate card. I was very specific, stating this is the only reason I am getting a personal American Express card and they assured me I would have no problem doing so. Once I received the credit card I called up Amex rewards and tried to link the XXXX accounts, but was denied. My corporate credit card has a block on points they informed me. I was furious, because I asked them specifically about it and told them that gaining points on both corporate and personal credit card purchases was the only reason I got the card. They lied to me to get me their credit card. I filed a complaint twice with Amex and there has been no follow up over the course of 7 business days. They intenitionally deceived me into getting their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed online XXXX items on XXXX XXXX, 2015. I received a letter in the mailon XXXX XXXX, 2015 dated XXXX XXXX, 2015 stating transunion is writing in responseto my written request on XXXX XXXX, 2015 to cancel my dispute. I NEVERWROTE ANY LETTER ON XXXX XXXX, 2015 TO CANCEL MY REQUEST! 
furthermore, there is no information online regarding my XXXX XXXX, 2015 onlinedispute. 
I demand my XXXX XXXX online dispute being verified for accuracy. transunionhas blatantly violated my rights to dispute inaccurate information byintentially neglecting to reinvestigate disputed items per fcra. Additionally, they have fabricated a lie that I requested to cancel a dispute! I NEVERREQUESTED TO CANCEL MY DISPUTE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2016 I went with my mom to send a Moneygram costing altogether {$190.00} to some people who said they can make medicine from XXXX, XXXX. I visited their website & I thought they looked trustworthy not knowing they were not at all. I sent the money & tried calling them. Their phone was off but he could text. He said the package was on XXXX & he needed {$100.00} more for a shipping agency. I just cancelled & said I wanted a refund not knowing it was a scam. I called Moneygram but they were no use. So it was a scam the whole time, but I need to get my refund back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Credit decision / Underwriting

Complaint: I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed XXXX in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only XXXX % of the value of the house. Plus we both had credit ratings above XXXX. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On  XXXX  2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.

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 08-10-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (MN).
Issue: Managing, opening, or closing account

Complaint: Paypal limited/froze my account on XXXX XXXX, 2015 for reasons that have not been revealed to me. They stated they would release my remaining funds {$280.00} within 180 days. To date, they have not released my funds despite numerous emails that have gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation