milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hello, I had reached out to Experian a month ago about charges that other credit reporting agencies have removed. After i disputed the information on their site I received a call saying that i could pay off my credit cards and bank cards, after speaking to the person calling they said they received my information through Experian I told them never to call again and hung up ( they asked for account numbers and social security and made it sound as if they were with Experian ) Today I checked my dispute by entering my SS # and information and received the same call from a different number XXXX and again told them never to call and hung up and dialed the number back there was a recording that the number had been hijacked - it is pretty obvious that Experian is selling customer data or their site is unsecured. Thank you 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 06/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Deposits and withdrawals

Complaint: Chase bank withdrew {$1800.00} on XXXX/XXXX/2016 without permission and has been giving me the run around in regards to getting it back to me. The issue stems from a cashier 's check that was drawn on my account and subsequently returned ; however, since they decided to just take the money back out, I am now stranded XXXX miles away from my home, with an overdrawn bank account and bills that need to be paid. They have no legal right to my money and they have no cause to act so slowly. It must be noted that the employees at the branch were extra helpful and went above and beyond in assisting me with this issue, but still could not get it resolved. They were told that I had to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In this Issue I purchased XXXX engraving machines from XXXX I could not get XXXX machine to work seller asked for me to send the XXXX not working back to them and the other XXXX to a customer and they would refund my money and pay shipping, did n't happen. I faxed XXXX and pay pal my complaint a couple of days before the deadline did n't see any answer so I called said never received it resent it they now said this was after deadline so now I am paying {$37.00} a month for something that was stolen from me. Both XXXX and pay pal are thieves. I am XXXX years old and trying to develop some extra income instead thieves are draining.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo issues with unethical behaviors, poor business knowledge, and refusal to refund money for services paid that they did not deliver. More details : Wells Fargo failed to acquire a mortgage in a 3 month period ( XX/XX/XXXX thru XX/XX/XXXX ), when another company was able to do so in 3 weeks ( XX/XX/XXXX ). As shown in the attached response from them, during Wells Fargo 's  attempt to acquire a mortgage they required flood insurance for a home not in a flood plain ( leads to questions of an insurance scam potential ), they routinely lost documents ( leads to questions of poor systems and identity theft problems ), they ignored timelines agreed upon by all parties most notably the purchase agreement timeline to provide proof of financing ( leads to questions of poor training and ignorance of contract knowledge ), and they pressured banks to provide information they were not authorized to do so ( leads to questions of unethical activities ). We fired Wells Fargo and requested they provide all doucments paid for and/or refund fees paid ( {$540.00} ). They were unable to provide the documents needed ( their agreement states those documents were to be provided, see attached email information ) and a second appraisal was needed for the new mortgage. They now refuse to provide any refund stating we authorized them to do the appraisal ( true ) but they did not provide the documents required for the appraisal to be used by a second company. We wish to have all money paid to Wells Fargo refunded and to alert others to their problematic services.

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 01/31/2018 about Debt collection (I do not know) with Solidus Group LLC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent harassing phone calls to me and family members, starting dates on XX/XX/XXXX-XX/XX/XXXX, family members live out of this state, DO not know how they got my family members phone numbers, Thank you

Company response to consumer: Untimely response
Consumer complaint received 02-10-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I HATE Equifax!! I file for my free credit reports every year for the last 10 years. 
AnnualCreditReport.com is a great one stop place to pull all XXXX and I view, print, and dispute seamlessly with XXXX and XXXX. Equifax always locks me from my report as soon as I answer the identification questions. I answered correctly, I know I did, because I answered the questions from the other XXXX bureaus without issue. So I logon to Equifax.com with my username & password, click Reports, the Credit Report ... blank screen. Call Equifax and they tell me I have to call AnnualCreditReport, ACR tells me to call Equifax. Equifax offers to mail me a copy of my credit report in 10 days and then I can fill out forms to file a dispute - BUT I can do all that online if I pay for a subscription. They know people do n't have time to keep cleaning up their credit & know people will pay for the service so they can clean up their credit in one swing. This " bureau '' is a joke, its a private company controlling the credit of every American citizen without repercussion. If these private business are federally regulated, then I encourage someone from the federal government to monitor Equifax. Try obtaining your report and then calling in when your blocked from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Other

Complaint: I was hurt and could not work. I needed XXXX operations. My wife and I went to Wells Fargo bank in XXXX VA to do some business and the lady manager talked me into getting a credit card. She said we would need it because I was going to be on XXXX. She talked me into it finally, but my wife and I both told her not to put my wife on the card as an owner. The lady manager did put her on the card without our consent. She knew she could n't get me approved so she put my wife as the primary card holder. My wife is XXXX XXXX XXXX. We are very upset about that, but we did n't know she did it until way later. I used the card to supplement my income which was a big mistake. I could n't pay it back so I tried to settle with them two times. I am now off XXXX and working again, so I am going to be able to catch up on my debt in a year or two I hope. We were already crushed by my injury and all the bills I got behind on, but the Wells Fargo credit card is not right. My wife 's credit is shot because of it. She was not to blame for any of that and she should not have it on her credit. I am the only one to blame for not paying it back, but Wells Fargo Bank tricked us into it without our consent for XXXX to be the primary card holder.

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 04-11-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: I contacted Best Buy Credits Services in XXXX XX/XX/XXXX to advise of unexpected medical bills, which was putting me in a position where I was not going to be able to pay off a promotional balance on my account that was due to expire on XXXX XXXX, XX/XX/XXXX. Supposedly the process was started on my request but was never completed, so they " started it over again '' when I called in XXXX XX/XX/XXXX I continually kept following up on the status and could not get a definitive answer. Calls were placed on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. All I was asking for was an additional 60 days to pay off the balance with out incurring the deferred interest amount of {$1000.00}. I kept getting told over and over that I would see it on my next statement, needless to say this has never happened and I was hit with the deferred interest on my statement that closed out as of XXXX. I received a voice mail and email today from XXXX XXXX Best Buy Credit Services Account Manager and tried repeatedly to return the call and got voice mail and left message and also returned a response to the email requesting that I be called. So, I called the number on my statement and got to a different Account Manager and got so perturbed I ended the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX, XXXX I discovered an over payment was made to my credit card of XXXX. I have made bi-weekly phone calls and spoke with numerous customer service agents with a end result that the refund check will be sent within XXXX days. Each time I call I am directed to a supervisor who assures me that the mistake will be corrected and a check will be reissued. Now XXXX months later I made my bi-weekly phone call and with no resolution. 

Credit Card Company Synchrony Bank/Amazon 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 03-11-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: I have been trying to have this bloomingdales credit card that DOES NOT belong to me removed from my credit report. I NEVER OPENED UP A CREDIT CARD WITH BLOOMINGDALES. this is fraudulent and I have been trying and fighting with them and the credit burea for over a year and they will not get rid of this account and take it off my credit report. I do not know what to do. this is making me have a low credit score. I recently graduated from college and I can not get any credit due to this being on my account. 

PLEASE HELP ME!

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 09-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: I opened a no-fee checking account in XXXX 2013 for {$50.00} with Wells Fargo. I received a letter and statement in the mail my account was closed for lack of activity. I called requesting a refund of the {$50.00} and was told it would be mailed. Three to four weeks later I made a follow up call that I did not receive the refund. I was then told I had no refund because the money was used paying service charges. After complaining again, I was told since the prior person I spoke with stated I would get the refund, they would follow up. As of this writing, I still have not received the refund or any follow up. They stated because I was notified in previous statements it was my responsibility to have seen the notice and responded. I explained I was told no service charges and had no charges until recently and did not know my account was closed without my acknowledgement only after I went to a XXXX balance. I 've seen so much about Wells Fargo in the news between the bad student loans and opening false accounts for their customers and receiving the huge fines, I 'm feeling like I have been taken advantage of and should expect a full refund of {$50.00} Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX was paid a year ago to another agency for XXXX XXXX. Amount : {$100.00} Collection agency is : Trident Asset Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (VT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: PayPal - I sold 2 gift cards on XXXX XXXX on XXXX. I received payment for both gift cards within minutes of the sale. I provided the gift card account numbers and access pinns within a half hour of receiving the payment. There were successful transactions, and I have not received negative feedback. I did request feedback from the purchasers, but as feedback is optional, it has not been left. 

To date, PayPal has not released the funds I received from these sales - 10 days after the sales took place. I have contacted PayPal about releasing the funds and they refuse. 

Transaction # 's : XXXX XXXX PayPal has sent me canned responses regarding their hold times policies. I understand these policies, I 'm a long time PayPal user. However, holding my money for this long is excessive, and I want my funds released for use immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion just reinserted on my credit report an account that was previously deleted. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00} this is wrong this was corrected and removed now its reporting again. My score dropped significantly since they did this. I am also uploading supporting documents from XXXX that 2 other accounts I have been disputing we 're finally deleted after the investigation but transunion is still reporting this wrong information and it 's ruining my credit. If they were doing a proper investigation then they would have received the same response as XXXX did. Also they should have never reinserted this account with XXXX for XXXX when it was removed.

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 08/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Late fee

Complaint: Bank of America website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Bank of America website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select " pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Bank of America is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Bank of America to increase their revenue stream. I would like an investigation of the amounts collected by Bank of America from all customers that experienced the same problem described here.

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