milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2015 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (SC).
Issue: Making/receiving payments, sending money

Complaint: I presented a check to be cashed at Wells Fargo as I have many times in the past. Some times I am asked to have one of the office personnel to " verify the check '', and other times the tellers refuse to honor the presentment, but will refuse to put the reason in writing. The reason they say ( of course no law supports this policy ) I must submit XXXX ( XXXX ) forms of ID because I am not a " customer ''. Well ... interesting concept there because, the items the banks allow are not even related to " identification '' whatsoever. And, the banks applicable policies on someone who is NOT a customer is an act of ultra vires at best. PERIOD. Such as a Drivers License, SSN, Birth Certificate, Bank Card etc. None of which are forms of ID. The mere act of being asked for another form of ID is in itself an accusation of fraud by my entering the bank and presenting the instrument simply because I 'm not a customer. In other words ... am I being accused of committing a crime by presenting a check and not being a customer? Law enforcement do n't even have that power to force someone to ID themselves if they are not being charged with a crime! So just WHO 'S authority is the BANK operating under? 

In essence, the banks demand something that does n't exist to honor an instrument issued by one of their own customers and the tellers are giving practicing law by legal advice at the window without a license to do so. The policy they are using, is no different than say if I had a church/company policy that says all " non Christians/employees '' will go to hell or be subject to paying my church for their non participation. 

Next step will be lawful actions for refusing to honor a legal instrument issued by one of their customers when presented at the window for exchange of federal reserve notes. All of which are a direct violation of their own Mission/Human rights Statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion numerous of times for the past month about unauthorized inquiries on my credit report. The first call I made the representative told me to contact those particular companies and dispute w/ them and she, the representative, will place a fraud alert on my profile. I have contacted those companies by phone and letters, sent certified mail, several of time. A couple of those companies told me to contact the credit bureau that its reporting on, which is TransUnion, and disputed with them. I have gone back and forth with trans union and the companies to resolve the issue and neither one is taking my dispute and request for removal of inquires that was n't authorized after several disputes, phone calls, and certified letters.

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 02-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with Upstart Holdings, Inc. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied online for a loan to pay credit cards, at first they gave me details of the loan ( 19 % interest ) and explained that those terms are subject to credit report. After submitting the necessary documents they approved me for the loan with an interest lower ( 16 % interest ) than the original because of my credit but the payment still the same. I called them and they just tried to confuse me with numbers and they said they cant do anything. I asked to the Rep if my credit was worse the payment still be the same and he said no, so why the payment didnt get lower? 
I believe they dont follow the contracts or at least give info that they get part of the loan for the service provided Docs signed from Bank ( 16 % ) are different interests from their estimate ( 19 % )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Taking out the loan or lease

Complaint: I received pre-approved loan offer from Springleaf Financial a few wks ago for XXXX. I submitted an application over the internet which was only my name, D.O.B. & S.S. No. the application window closed & said approved : go in person to local office. Received phone calls daily and emails daily from Springleaf Financial with messages that did not identify who was calling, only that it was in regards to an application I submitted. I went in person a few days later after checking my caller ID, and was told by the senior loan officer my expenses exceeded my usable income for approval. The loan rep asked how much money I spent a month for gas to drive my car. I told her about {$80.00}. I was also told I had outstanding student loans posted for payment on my credit report/which I confirmed were not, and also that I could re-apply if I had someone in my household who had a job and would agree to complete an application for the loan with me. I was told the co-signer had to be living in my household in order to qualify only and I could not use a co-signer who did not reside with me. I was told I could look at my credit report later after I received a decline letter or so but the factors for viewing my credit report were not explained clearly. ( I have been viewing my credit report regularly this year on a website. ) The connotation was that as long as I was not able to view my credit report, she could tell me anything she liked about my ability to get approval. I asked what the procedure was for receiving loans and was told unclear repetitive information that did not specify credit scores, income/debt ratio, or sources of income. I told the senior loan officer I owned my home with no mortgage, and our monthly utility bill is paid by my adult daughter who resides with me. So my income to debt ratio leaves about {$800.00} a month in usable income. I was seeking to borrow the amount above for home repairs, and debt consolidation for credit cards. I asked if I could have a print out of the computer screen she was reading that indicated why I was denied for the loan. She declined. I felt the daily phone calls and emails were strong indicators that I was approved, specifically since I submitted my social security no. and date of birth in the application online a week or so before meeting with her.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I was unknowingly and illegally billed by Experian credit monitoring for over 18 months. They refuse to refund the money while admit that I have never logged into the services. When asking to speak to a supervisor or compliance officer the request was refused. I have been unknowingly charged over {$500.00} in small increments over time and it is apparent that this fraud is rampant. Upon further pressing, the representative said I needed to write to the consumer relations office and physically mail the complaint to a P.O. Box. They would provide no phone, fax or email address. This is a clear attempt to make complaints challenging. 

When you call Experian the first option on the phone is to cancel the account. It is clear this is the case because of the high volumes of people calling to cancel unwanted or unknown services they are being illegally charged for. This is a terrible way to make profits on victims, not customers. As I have never once used the service, I deserve a full refund. This is very similar to XXXX, opening unwanted accounts without their victims knowledge. 

There is great irony in a supposed credit monitor service actively and knowingly committing fraud on consumers.

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 01/31/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received recently onXX/XX/XXXX a notice/attempt to collect a debt from XXXX XXXX XXXX XXXX.. I sent midland via certified mail onXX/XX/XXXX a debt validation request letter. I received from midland on XX/XX/XXXX pretty much the same document which they sent in XXXX as a response for my request for validation. The package included a simple statement from midland saying they found their information in their notes to be correct. Midland also sent me a letter which anyone from their office or outside of their office could have typed which looks suspicious in nature saying midland purchased a debt of {$740.00} from XXXX XXXX  for a r us credit card ending in the last four digits of XXXX. Midland failed to provide sufficient proof of this debt owed and or rights to collect via an original signed contract by myself. I requested debt validation under the Fair Debt Collection Practices Act, which is established as consumer legal protection against abusive consumer collection practices. 

I am requesting that midland stop all deragatory credit reporting to all three credit bureaus and that midland removes the deragatory Collection account from all bureaus as well as cease and desist collections attempts and contact as they were offered legally the opportunity to validate this debt and failed to do so.i have also filed a complaint with the Illinois Attorney generals office under reference number XXXX. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with DISCOVER BANK (MN).
Issue: Billing statement

Complaint: Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I went to school for two years to  XXXX  different schools during this time. Originally I was supposed to only have to pay {$19000.00} after disbursement amounts it would have been around  XXXX  to {$25000.00}. Last year in  XXXX  I believe I 've got on the student debt relief program that the government created I am technically  XXXX  although not on  XXXX  I have struggled financially and every time I would get a bill after being on the debt relief program every month my bill was higher and higher now they claim I owe {$38000.00} I do n't understand how it went from what it was when I started going to school to  XXXX . I have attempted on many occasions to get information from them concerning the details of this loan they still refuse to give me details of every aspect of this loan when the dispersants were paid out what interest was charged what school they were paid out to what the date they were paid out to I have tried to get detailed information how many occasions so I can examine this and they have fought with me I even had a lawyer send them a letter and they sent me a statement in the mail but it still did not have the details that I was requesting. Every time I call them all they want to do is put me on forbearance. They tell me I 'm on forbearance and then I get a email or phone call shortly afterwards telling me that I have a payment due happens every time. I 'm just really sick and tired of them   XXXX   me around I get nowhere with them when I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MN).
Issue: Fraud or scam

Complaint: I got a call from a XXXX XXXX in XXXX, 2014, telling me he specialized in lead generations. He would purchase leads from a XXXX party lead generator. The leads were {$20.00} each and because I had a XXXX time grant from XXXX and I would invest {$100000.00} then I could purchase XXXX leads. I almost did that but left for a week, where I received at least XXXX phone calls telling me I had committed to this and that XXXX supervisor was upset. 
Then I got called by XXXX supervisor who was very upset that I did n't follow through with my purchase. XXXX supervisor pressured me into buying leads for the amount of {$60000.00}. The leads would come from businesses that had been rejected by the banks to get XXXX terminals and they would result in a 3 to 7 % success rate. 
Then I had also gotten a phone call from a XXXX XXXX XXXX who said he was in charge of monitoring my leads and staying on top of his employees that called the businesses on my behalf on the leads I had purchased for {$60000.00} from XXXX XXXX, XXXX. 
I was informed, by each of these merchants, about a XXXX package that would enable me to build my business and to make a lot of money. These firms were to provide me with business opportunities, commissions, web site, leads, XXXX of XXXX of unique targeted visitors, as seen in the fraud case. I never received the products promised on any of these purchases. These companies deceitfully obtained my banking information and intended to use your payment system to defraud me by unauthorized use of my money. 
Since the initial payment, I have not received the services that were promised to me. I have made numerous attempts to contact the companies in an attempt to get refunds and there has been no response. I trusted these companies with my money and they did nothing but take from me repeatedly. Since these companies have stolen my money and not performed, delivered or helped in the ways that were promised, I am disputing the charges on the grounds that they were fraudulent. 
Fraud occurs when a person or business intentionally deceives another with promises of goods, services, or financial benefits that do not exist, were never intended to be provided, or were misrepresented. 
The above named merchants, about whom I 've found countless complaints on the web, knew the dispute rules and informed me that it could take up to 12 months for services to be rendered. This was done in an attempt to delay my dispute beyond the eligible date. " Intent to deceive '' is clearly listed by FTC guidelines as an unlawful violation that should be refunded. These merchants ' ability to process should be revoked!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax allows XXXX XXXX Credit to violate Federal Bankruptcy Laws in reporting false information. I am not 30 days late, The payment for XX/XX/2016 was not due, as I filed Chapter XXXX Bankruptcy on XXXX/XXXX/2016 The both accounts ending in XXXX and XXXX have been included in my Chapter XXXX Bankruptcy that was filed on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a paid judgment of my credit report in the amount of {$1200.00} date d  X/14 . I  have mailed copies to all  XXXX  credit bureaus (  XXXX ,  XXXX  and Transunion  ) sh owing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement "  Counter Claim Offset '' so Im n ot sure why this is listed on my credit report and I would like this information to be removed because it is affecting  my credit score altho ugh is paid.

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 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: After spending over a year in court defending my income property against a foreclosure, I lost to Wells Fargo Bank ( for XXXX ), but was offered a loan modification in lieu of an appeal, so I complied with the application process for a loan modification. I was shortly there-after denied a modification, with the reason stated being, " The owner of your loan does not allow modifications ''. I complained to the lender 's lawyer who offered the option of modification and received an email from the lawyer stating that the lender was working on a special modification for me. After months and months and mounds of paperwork, I was again denied the modification for the same reason, " the XXXX of your loan does not allow loan modifications ''. I contacted my state 's Attorney General to complain of these unfair and illegal lending practices, I was given the advise to contact the CFPB. I have all documentation of the email correspondence from their lawyer stating I was being given a special loan modification by the lender as well as both denial letters stating their reason for the denial, as mentioned above. Denial # XXXX was received around XX/XX/2016 with the final denial being received by me on the XX/XX/2016. Their final denial letter asks that I respond no later than the XX/XX/2016 with an answer of whether or not I would like to proceed with a short sale or a Deed in XXXX of XXXX. I intend to reject both offers, as I should be able to easily qualify for the XXXX loan. The XXXX loan option is what the lender 's loan servicer 's paperwork stated was the type of loan mod they were originally seeking for my property. I should easily qualify for this loan because my property is an income property. It generates {$800.00} monthly rents, plus I have an income of my own. My mortgage for this home is about {$950.00} per month. I believe the lender never intended on granting me anything other than a foreclosure and have just been wasting my time with paperwork and lies. These are unfair and illegal lending practices. The lender should be prosecuted for such business practices. However I have already exhausted my means for fighting in court as I have spent a year fighting the lender in XXXX court already.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I notified Chase that I did not wish to have any contact with XXXX, their rep changed my due date from the XXXX to the XXXX which will never work, but Chase claims it is my fault. I ca n't catch up this at this time which they were notified of. My credit has been affected by this, I advised the due date change came from AES not me, I can lose my job over this and plus I have a medical bill to pay. I want my courtesy credit report due to the fact that XXXX changed my due date. I CAN NOT CATCH UP THE ACCOUNT AND IT IS NOT MY FAULT THAT AES CHANGED THE DUE DATE, I do not want my letters or phone calls from XXXX or Chase on this loan because they know why it is late because I them numerous times. I have spoken to XXXX on XX/XX/2017 and XX/XX/2017 to see if my due change was done, I was told it can take up 7-10 business but the account was current when I asked for the due date change. The XXXX does not work with my budget and it is going late. I feel that AES is misleading me again, I ca n't continue to have 30 day marks on my credit report which is preventing me from applying to higher paying opportunities, my mother was helping me but she had to have XXXX and was on medical leave for 6 weeks to recover. I dealt with XXXX on this issue before and they did change the date. This is the only creditor that I have that is giving me a hard time about changing the due date, when the rep on XX/XX/2017 put in my due date I was never given a time frame. I called back on XX/XX/2017 and then I was told the due date change my not go even though the account was current at that time. This means my account will go past due again. XXXX is dishonest which is what I have been trying to tell Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

Company response to consumer: Closed with explanation