milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Someone gained access to my Wells Fargo Checking Account and my phone number. The individual was able to register a mobile device, change my Wells Fargo password and set up XXXX and use XXXX instant pay to make a fraudulent funds transfer without my authorization ( {$2400.00} ). I received a phone call regarding a fraudulent transaction at XXXX on XX/XX/18 from someone impersonating a Wells Fargo representative shortly before the unauthorized XXXX payment was sent to an unknown individual in Florida . After receiving the emails notifying me of the unauthorized XXXX payment I called Wells Fargo to report fraudulent activity with my account and to stop all pending payments in all forms ( XXXX XX/XX/18 ). My username and password were changed immediately. Wells Fargo claimed they would open an investigation but stated the chances of getting my money back are slim. I feel there is a lack of security features offered by Wells Fargo preventing this scam from occurring. Only after this event did Wells Fargo recommend a 2 step verification process ( verbal password added ). What happened to me is similar to what happened to the individual in the article ( XXXX  : XXXX ). This morning when I accessed my Wells Fargo account with a new password and new username the payment was still 'pending ' but now at XXXX MST the payment cleared. Wells Fargo should have been able to cancel/stop this fraudulent payment yesterday when they were immediately notified of the fraudulent activity.

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 11/25/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (NJ).
Issue: Credit line increase/decrease

Complaint: Unfair business practices - These crooks drastically reduced my credit limit after I made a huge payment and without proper notification. 

Yesterday I made a {$5000.00} credit card payment to my First National credit card. I paid down 70 % of the balance from {$7100.00} to {$2100.00} so there should have been {$4800.00} avail today. I tried to use the credit card today to business invoice with part of the {$4800.00} that should have been available. After multiple failed attempts to pay the invoice online I called the credit card company to find out the problem. 
1. They first told me they hold 80 % of the payment until it comes out of pending status. I told them that I need access to my available credit Today. 
2. They had me do a conference call with my actual bank to verify the funds were good. 
3. After the bank conference call, my credit card company tells me they reduced my credit limit. I did n't get any notification that they were reducing my limit. The bank says they made that decision yesterday. My response was " yesterday after you receive my payment. I told them could have sent me a letter the day after you did n't receive payment XXXX XXXX XXXX XXXX, ie the first day it was past due on your books but you deliberately waited until you got a large payment ''. ( My payment was 12 days past the due date but I 'm aware that credit card payments are not considered late until the next billing cycle comes and goes and no payment is made. ) 4. I also asked, " When was I going to receive a letter about the credit limit decrease. '' The person I spoke with said they were going to mail XXXX out today. 
5. I asked " well what is my new limit '', these crooks said my new limit is the {$2100.00} that 's now available after my {$5000.00} payment. 
6. When asked how do you come up with a decision to give me a 70 % reduction of my credit limit that was available just yesterday ... .. '' Well you make minimum payments and on the due date instead of before the due date ; you 've been late 4 times in 24 months, your at the peak credit limit and your XXXX credit report shows delinquents on your report. Nonsense, missing the due date does Not make you late on credit reports and your credit report story is a flat out lie ... ..Sure enough, after arguing with them, I pull my credit report and I have No late accounts and No Delinquent accounts. I have a copy of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had a loan for my car with Santander. I stopped making payments XX/XX/2011, the car was repossessed XX/XX/2011 the car was then auctioned off and the payment was applied. The remaining amount owed was {$1400.00}. I never got a letter stating the amount owed. I was verbally informed over the phone after multiple calls early in the morning and late at night. I was able to pay the remaining balance. However, on their end it is not showing as paid. They sold the loan twice to different debt companies, none of which called me to inform me of the " debt ''. Now I am being sued for the {$1400.00} from a debt collector. My credit report is showing inaccurate information as well. The only payment history it shows when XX/XX/2011 when my last payment was made and XX/XX/XXXX when the car was repossessed, then it is showing when their payment from the auctioned was applied. I had my loan with them for 4 years prior to this. None of that payment history is on there. I believe this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: have no idea who this is

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Also I have been in contact with the office of XXXX XXXX Attorney General of the state of California under the advise of the FBI Internet crime division - XXXX XXXX.

XXXX XXXX has very quickly resolved the XXXX XXXX, XXXX XXXX, Walmart accounts and found them to be fraudulent, the XXXX XXXX XXXX XXXX Card on the other hand I have not heard from, it has been over 6 weeks now since the original dispute, over the time frame given in the FCRA 2009 Section605B ( a ) requires CRAs / Data furnisher to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days.

I have supplied Synchrony Bank / Synchrony Financial with all the proper information under the FCRA & the FDCPA to fully investigate and delete this account, it is absolutely upsetting how the other accounts which presumably have the SAME info as the XXXX XXXX XXXX XXXX account were all finished and processed quickly and this is going over 6 weeks!!!

I will be opening a inquiry with the AG office of XXXX XXXX in regards to Creditor Negligence, I have supplied all the federally mandated paperwork to the creditor at hand.

AND to top it off the creditor is reporting this account as still being paid as I will show in the file attachment.

I truly just want this resolved as fast as possible as Synchrony has been outstanding in the previous 3 accounts. I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After checking my current credit report, on XXXX XXXX, XXXX I contacted Equifax again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Settlement process and costs

Complaint: Wells Fargo Mortgage has stolen my XXXX XXXX Certificate of Eligibility as it pertains to me and home Mortgage Guarantee. I am XXXX XXXX XXXX, XXXX XXXX XXXX Retired. I had a home that I allowed for assumption ( XXXX XXXX XXXX XXXX in 2011, and When I tranfered ownership, I did not realize at the time of the transfer of ownership, that I would loose my earned XXXX Home Guarantee. The mortgage officer that had me sign the many documents from Wells Fargo Mortgage for the Assumption of the Loan for the mortgage at XXXX XXXX XXXX XXXX SC XXXX to XXXX and XXXX XXXX, failed to make sure that I understood that this was forever as long as they had the loan. I have recently tried to dispute Wells Fargo claim to my Benefit to which I have bled and served this nation for ... But the XXXX system forced me to arbitrate with Wells Fargo before they would list a complaint. And as expected after a month of delay, Wells Fargo ruled in favor of themselves. Now I am unable to use my full benefit to secure myself and family for a better home that can accommodate my XXXX needs. Wells Fargo has ripped me off.. And Wells Fargo does n't seem to think they are culpable in the deception and confusion their whole process endeared. I am of the belief now, that Many Veterans have been slipshod by the word " assumption '', as applied by The XXXX and Wells Fargo. This relationship between the XXXX XXXX Mortgage Office and Wells Fargo is a trap for Veterans and has been used to strip benefits from deserving Veterans. It is not as if I did not fight, bleed, and shed my tears for our country and I lost brothers in battle, so I know the pain. But having to realize that the Big Company. Wells Fargo and the XXXX Home Mortgage Guarantee people resort to tactics that can only be described of as " usury '' makes me think I am just a mark to these scoundrels that are untouchable ... ..How many Assumptions I wonder, are listed in the XXXX Mortgage guarantee system. How many Veterans have suffered needlessly because of the greed of Wells Fargo

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 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit information was lost in national breach. There is no way around not having all your information automatically reported and out there to be stolen from negligent reporting agencies. Freezing your credit report should be free. There should not be a fee to protect yourself, especially with as little care as these companies have protecting your data.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was sent a solicitation to receive XXXX XXXX XXXX XXXX for signing up for the XXXX XXXX Citi card. I went online and applied for the card, there was a lock on my credit so I had to call back to get it unlocked. When I spoke with the person they approved the card and congratulated me on receiving XXXX bonus miles once I spent {$3000.00}. After several months of using the card and spending well over {$3000.00}, I was told that I did not qualify for the miles because I had closed a similar card less than 24 months before. I find this false advertising and bad business! When my credit was pulled they clearly could have seen that I closed the card within 24 months and either denied the card or let me know that I would not receive the miles!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Settlement process and costs

Complaint: My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Student loan (Non-federal student loan) with Texas Guaranteed (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: TX GUAR XXXX is reporting inaccurate information to the credit bureaus. I have XXXX accounts that are affecting my credit. The information is inaccurate and there is no documentation to show for it. I do not understand how they would claim my loans as charge offs when i consolidated them before they were out of my deferment time from being a student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NV).
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: We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: When I did my credit report, there is an account that should NOT be on my credit report as a repossession. I bought a pick up for my grandson, I was the co-signer, when I went to get tags for the vehicle, The DMV had no record of me buying this truck, it was listed in the name of the orinigal owner, it was NEVER transferred to my name. I had the DMV do an investigation and I did not have to pay for the truck, XXXX XXXX XXXX, paid me all my money that I had paid on the trunk back to me. This should not be listed on my credit report at all. Can you help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have supplied the credit reporting Agency documentation from Police department and the Bank which I was victim of Identity Fraud. Proof was sent by certified mail, fax and email. 
XXXX first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department XXXX investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates - they have been calling me and I do n't know what this is in reference to or if it is even legal. As I read through the article in the XXXX XXXX about the CFPB, I see thatPortfolio Recovery Associates is mentioned : " Last week, the bureau announced a crackdown on the nation 's XXXX largest debt buyers -- companies that purchase uncollected debt for pennies on the dollar and then try to squeeze payments from consumers by threatening lawsuits and damage to credit ratings. XXXX of the companies, XXXX XXXX XXXX, is based in XXXX XXXX. The other, Portfolio Recovery Associates, has its headquarters in XXXX, XXXX '' I would really appreciate it if this could be checked into for me. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2016, it was brought to my attention that an erroneous account had been turned into collections and reflected on my credit history. I thought I cleared the matter by getting a letter from the company apologizing saying my payment history was in good standing and that error should have never occurred. I am enclosing a copy of said letter. 
A second issue remaining on my credit history is a confirmed stamped " closed '' for matter that was yet another error. A copy of it is enclosed. 
Why does n't the credit directory ( ies ) remove these items when I have submitted documented proof that they are not my issues and no longer valid? I understand they receive all sorts of money by allowing such to remain on one 's credit history, and that is unjust to the consumer. 
Today, XXXX XXXX, 2016, it was brought to my attention again that the said matters have not been removed from my credit history by either of the credit directories. And XXXX XXXX matter that CFPB assisted me with a year or so past remains on my credit history as well.

Company response to consumer: Closed with explanation