milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Easy Money made an arrangement with me for repaying loan. I made 2 payment one for XXXX dollars and the other was XXXX dollars. I received a threating letter saying because I was XXXX dollars short on my payment my account will be sent to a third party that will sue me for everything I got. Also the debt was XXXX now its XXXX and Easy money said if I made a payment every Friday on payday I would be ok. Today I called and they begin threatening me and I said I was preparing to make a payment Friday. They said I promised to pay the entire amount by Friday which is a lie. Please help resolve problem my goal was to continue making payments until debt is cleared.
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 05-02-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My bank is  Fifth Third B ank On or about  XXXX    XXXX   I filled out a stop payment order. The automatic payment was for  XXXX   XXXX   XXXX  in the amount of {$720.00}. There was no problems in  XXXX  as the bank stopped the payment. On  XXXX   XXXX  the paid the draft even though they had a valid stop payment order.     The Bank representative  XXXX   XXXX   XXXX  said they had a valid stop payment order and she did not know why it was paid. She would investigate.  XXXX  days in a row I spoke with  XXXX  or  XXXX .  XXXX  finally stated the draft was paid. The stop payment order was not a promise and there was nothing I could do about it.   They did refund the over draft " fee 's '' due to their error. However, I did not authorize the money to be paid. The bank was negligent in their handling of this issue and should return money.     Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX Transunion and XXXX did not fix an error on my credit report. The contract was canceled by the company.

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 09/22/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: Several times over the past year or two, ever since I have had a Citi XXXX credit card, I have been harassed by Citi about a possible 'fraud alert ' due to spending {$1.00} at a XXXX XXXX convenience store for a cup of coffee. Their continued text messages and voice mails - which cost me $ $ $ to receive - are annoying, and having my credit card turned down is embarrassing and completely unnecessary. 

I have asked them several times, through the message center of their web sites and via phone, not to contact me about a {$1.00} charge at XXXX XXXX. A customer service rep with whom I spoke said that she would put a note on my account not to contact me about such charges. Obviously, either she did n't put the note, or nobody bothers to read it. 

I have made numerous purchases of a much larger dollar amount at various stores and online, which they have not flagged as potential fraud. Yet at various XXXX XXXX stores, when I make a puny purchase, they decide it looks suspicious. Do they really think a scammer would steal my credit card just for {$1.00}?

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 04-04-2015 about Student loan (Non-federal student loan) with ACS Education Services (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to XXXX XXXX XXXX. I have attended classes there but have taken only XXXX XXXX loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is XXXX credit card account with XXXX XXXX XXXX that I have no knowledge of and there is a post office box listed as a address that I never had.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX my wife XXXX due to her " HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Bank of America account as a result of trying to borrow enough money from my credit union for her funeral. Initially BOA had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. BOA has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.

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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.

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 12-12-2017 about Mortgage (VA mortgage) with AMERICAN FINANCIAL NETWORK INC. (OK).
Issue: Trouble during payment process

Complaint: There are 3 companies involved : American Financial Network ( AFN ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). 

AFN agreed to complete a Streamline VA Refinance for my family, as a free service. 

The final paperwork had our new loan set at approximately $ XXXX higher than what we were told our old loan closed out at. When we inquired about this we were told that the $ XXXX was there to cover our new escrow account, and that the reimbursement from our old escrow would be used to pay the new loan back down to where it should be. 

We received our reimbursement from our old escrow and insurance, and now are being told to deposit that money into our new escrow account, because it only contains around {$800.00} and is short. 

When I ask again why the new loan is sitting at over $ XXXX higher than our previous loan, we get no answers. 

Now our yearly taxes are coming up, there 's not enough money in our escrow to cover the amount, and our loan is sitting at a higher amount than it should be while gathering extra interest that should also not be accruing. 

Attached is an email from XXXX with AFN stating that our increase in our loan is to cover our new Escrow account. 

My name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX, OK XXXX AFN Branch Manager : XXXX XXXX Branch Manager | XXXX, OK XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ok. XXXX T : XXXX XXXXXXXXXXXX -- XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX was our closer - XXXX -- XXXX XXXX -- XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NH).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/2015 Exeter Finance XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Taking out the loan or lease

Complaint: I purchased XXXX XXXX, the vehicle was financed though XXXX who I feel took advantage of me with my financing the interest was compounded daily interest. XXXX added to my contract and additional {$3400.00} with out giving explanation for charge. Shortly after it was added they removed the {$3400.00} after I inquired regarding the charge. My contract was transferred to Santander {$3400.00} was added back to my contract and the due date for my payment was changed with out explanation. There is a Federal Consent Order in place from the XXXX. for the unethical practices of Santander. Please investigate Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Collection Services is reporting a medical collection on my account from  XXXX   XXXX  in the amount of $  XXXX  {$2500.00} with a status date of  XXXX / XXXX / XXXX  and a date of first delinquency in  XXXX . This is inaccurate as it should have been filed with my full coverage medical insurance in  XXXX . I paid a co-pay at the time of the visit, as well. The representative from Credit Collection Services told me he did not have to provide me with a copy of the information showing this is a valid debt. I also called  XXXX  and they said that it would have been filed with insurance and did not have any information on this debt. Also, at the time of the hospital visit, I was told I could pay {$350.00} to not have this filed with insurance and there would be no additional bill OR I could have them file with my insurance. I chose to file with my insurance. This information is grossly inaccurate! As well, is n't the representative supposed to provide validation of the debt instead of telling me that he does n't have validation and is n't required to provide it? This is either an issue with  XXXX   XXXX  's billing/claims department or the insurance company and no one will resolve it!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Well Fargo, where I have a private student loan, stopped sending me statements in XXXX of 2015. When I realized that I had n't paid my usual bill, it was already past due. I called to resolve the issue. I successfully convinced Wells to waive the late fee AND ( I thought at least ) to set up automatic online payments. 

No paper or online statements came in XXXX of 2015. Instead ( again ) the only way that I realized that I had a past due amount came when I received a phone call demeaning payment. When I called Wells again to see what was going on, they refused to waive the late fee and claimed my earlier conversation setting up the online bill pay never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with RSI Enterprises, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: RSI Enterprises , Inc is attempting to collect a medical debt ( {$59.00} - XXXX 2011 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is RSI Enterprises , Inc fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Settlement process and costs

Complaint: I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.

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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had an employer named XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My information was stolen in the certegy incident. There 's also items which keep getting reinserted to my credit report whenever a new debt collector buys the out of STAT debt. No investigation was even undertaken because the credit reporting agency is also doing debt collection, which would seem to be illegal and a conflict of interest ... I was never given any lines of credit since age XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. has clearly shown gross misconduct in handling private data that I and other consumers have at best implicitly allowed them to have. Further there was gross negligence in allowing private information to be stolen and possibly distributed in public forums. The company delayed informing the victims for at least five weeks in order for high-ranking employees to cash out stock options, and not offering a legitimate remedy for the situation besides offering their own product. I am listed as a potential victim according to their equifaxsecurity2017.com website, and am now at risk for identity theft.

Company response to consumer: Closed with explanation