milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2017, I transferred {$5500.00} to my spouse 's Roth IRA accounts from checking. During the transfer, final step, the site crashed. I relogged in, as far as I can tell, the site showed that transfer did not take place. I again made the transfer, 2nd time. Note that during the transfer, it specifically ask for the contribution amount and the year. Had it gone through, I figured ( wrongly ) it would prompt me that this has already taken place for the current year and maximum has been reached ... 
The next day, I learned that the transfer occurred twice. Brining my checking balance {$5500.00} below what I had anticipated. I knew this was going to be a problem because I have several auto-payments pending. I called the bank on a Friday and the banker said the balance would be reversed on Monday. The following week, no reversal. I called again and after multiple transfers ( again ), I was told that I need to fill out a form and fax it. I hung up. Drove to the bank in person and asked the banker to reverse the transaction. Incredulously, he too got on the phone, went through multiple people and said that I needed to fill out a form and fax it ... I finally got a form over a week later and faxed the form. I spoke with a Manager on the phone and was told that it will be funded within 2 days and overdraft fee ( XXXX/XXXX/17 ) on my credit card account will be reversed ( incurred due to 2nd {$5500.00} removal in checking account ). He promised that he would call me if there was any problem. No call. A week later, I called and spoke with various manager about the situation and finally added additional information to the form ( source of the hold up - despite WF having this vary information ). 

Because I could not trust WF to do their part, I made a deposit of {$500.00} on XXXX and {$3000.00} on XXXX. This was a huge financial disruption! 

I specifically asked the Banker for a call from WF Management. No call but my checking account was finally funded on XXXX/XXXX/2017. 
The overdraft fee of ( {$12.00} + {$0.00} interest charge on cash advance ) still has not been removed. 

Dealing with WF for any problems, it 's not possible to talk to the same person resolving your problem - therefore there is no accountability. No-email nor direct lines. They wo n't even give out their full name. WF requires any forms to be faxed. You can e-mail me a form but I have to Fax it ... I 've refaxed other documents multiple times and have given up trying to contact you about it ... The only response I get is " we do not have it '' please re-fax even though I had your WF office do it, again.

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 01/20/2017 about Debt collection (Credit card) with Alliance Data Card Services (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was a student at XXXX in XX/XX/XXXX-XX/XX/XXXX. The school opened up our financial aid accounts and loans and was later on shut down for financial aid fraud. I have written to great lakes loan company and eventually received a letter that my loans would be dismissed. The loans keep showing up on my credit report along with late payement remarks. As far as the loans go Great Lakes refuses to do anything about the issue. As far as the late payments go I ask that those be taken off as I had no idea payment should be made due to my loans being taken off. XXXX frauduantly opened these accounts. Who is to say I received all the money I should have received or it went to the right places? I would constantly get emails that payment was submitted to me and the financial aid office would say nothing was there. it was very shady. I refuse to pay these loans as they are involved in a fraudulent service and I never got what I paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is ( 1 ) Over-estimating the amount they allege I owe them. 
( 2 ) Charges me illegal interest rates. 
( 3 ) Unresponsive to my requests for information and assistance. 
( 4 ) Discriminating against customers on the basis of race, gender, XXXX, and sexual orientation ( 5 ) Violating state and federal consumer-protection laws in the administration of its student loan account and billing practices in the above-named ways and by numerous other patterns and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with Southern Management Systems Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with 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 monetary relief
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ad Astra Recovery Service    XXXX   XXXX  2 013  Origional Creditor Name  XXXX    XXXX   XXXX    XXXX  I have contacted the recovery service to remove this incorrect information from my credit report there has been no changes. The account is stating that I owe {$810.00} to  XXXX   XXXX  which the name do no match up in the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank misapplied my mortgage payment again! It occurs every six months, as I have an ARM and when it changes, Chase 's computer goes to default, and makes XXXX payments, rather than applying the payments to additional principal. This has occurred twice a year for 4 years, and they always state they have fixed the issue. They are hoping I wont catch this behavior, so they will make more money!

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX XXXX XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian, XXXX XXXX, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX XXXX, XXXX vs. XXXX XXXX Experian XXXX, and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( TransUnion, XXXX, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against TransUnion since you told me to file separately against each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans are at the moment in deferment due to defrauding case with XXXX. My loan was bought out by Navient while in deferment and has been split into two separate loans collecting interest on each loan when I was only getting hit with one flat interest rate. Now if my case does not go through and I 'd have to pay double interest on two separate loans. I would n't be able to afford that. I ca n't even go back to school if I 'd want to because I ca n't afford to.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with PHOENIX EQUITY PARTNERS LLC (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from XXXX XXXX XXXX from Phoenix Equity. While on the phone he repeatedly claimed I owed a debt on a credit card. He would not tell me what the card was or when it was from until I pressed him. He said it was a capital XXXX card from 2004. When I stated that I could not accept a debt that old or even knew if it was legitimate he stated, " This amount ( XXXX is his claim ) is a fraudulent amount and we can prosecute and put you in jail for up to a year. '' I stated I knew my rights and he could not threaten to sue me. He stated, " Of course you do, you are a fraudulent person. '' The name he gave was XXXX XXXX and he gave me his phone number as XXXX ext XXXX.

Company response to consumer: Untimely response
Consumer complaint received 06/27/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I bought a car on XX/XX/XXXX and it was financed thru Wells Fargo Dealer Services for 66 months with the first payment beginning on XX/XX/XXXX. The ORIGINAL maturity date would have been XX/XX/XXXX however I had 3 deferred payments, not in a row, and at time of each deferment, I had to pay an interest fee. I also received paperwork each time which extended MATURITY date by one month with the FINAL MATURITY DATE being XX/XX/XXXX which is 3 months from the ORIGINAL MATURITY date. I have ALL paperwork documenting deferments, vehicle contract, etc. I made my last payment and have been patiently waiting for my title. Imagine my surprise last Monday, XX/XX/XXXX, when Wells Fargo called to say I was 22 days late with my XXXX  payment!!! I explained to the customer service rep that I had made all 66 payments therefore no longer owed any additional payments. This is when the chaos really begins. She insisted I owed 3 MORE payments!!! I asked to speak to her supervisor, XXXX, she also said that the account was past due but she had a different figure. The next several people we spoke with - all had different figures but nobody could come up with WHY or where their figures were coming from. We spoke to XXXX, a Supervisor in the ( XXXX ) area code who counted the payments while we were on the phone and acknowledged that YES, all 66 payments had been made so he did not understand what was going on with the account and suggested we call the Office of the President. And it really got worse from here. XXXX from the Office of the President opened up a complaint for us and she was awful. She insisted that my original MATURITY date was XX/XX/XXXX and add the 3 months deferred to that and that 's where the money I owe is coming from. It 's basic math. XX/XX/XXXX to XX/XX/XXXX is 66 months. Add 3 months. You get XX/XX/XXXX - not XX/XX/XXXX. Plus I have record of all 66 payments so here I am - no car title ; Wells Fargo steadily calling me every day saying I owe them money but not one person in that company can really explain how they got to this even when asked how it is I 've paid 66 payments and 3 more payments makes 69 and not to mention what this is doing to my credit score. I have a daughter in her XXXX XXXX at XXXX XXXX who relies on me for Government loans and if my credit is steadily being ruined, then I can not quality for her loans. Please help me. This is beyond ridiculous. Wells Fargo Dealer Services HAS GOT to be held accountable at some point.

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 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I went into a merchant 's store and ordered an advertised pair of name brand prescription eyeglasses. My credit card was charged on that day. The merchant fraudulently delivered generic ( not name brand ) eyeglasses which I returned. The merchant reordered the eyeglasses but the second pair that he delivered was not made to the prescription that I ordered. I returned the glasses together with a letter requesting a refund. Both the merchant and the credit card company refused to refund my money. I have sworn statements from XXXX eyewitnesses who observed the merchant personally accept the returned eyeglasses at his place of business.

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