milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (AZ).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX XXXX XXXX transferred {$1000.00} from Wells Fargo bank to me for her rent. Wells Fargo linked the payment to my email address XXXX which resulted in chase bank rejecting the transfer of funds because I have no account with them.and surely sending money to an email address can not be a sound or legal practice. I have called the bank 7 times been on hold and calls for over 2.5 hours and conferenced called with XXXX and XXXX from the XXXX XXXX AZ branch. My renter, XXXX XXXX, has visited the branch three times made multiple phone calls. She told me that the branch said it was my fault and I needed to figure it out. I asked for the district manager to call me XXXX XXXX which he never did. I received a call from XXXX XXXX executive office for online banking instead who told me I need to call a clearing center and wait 10 more days. Meanwhile I am being charged {$25.00} per day NSF by my bank. There is over {$1000.00} floating around in cyber space and Wells Fargo will not pay me or rectify the situation. Wells Fargo is putting the responsibility on me to call chase which I did, to call clearinghouse, to communicate between Wells Fargo online banking and branch management and I am not the banker. I am not employed there and I have called and done everything I can. Then a private note was forwarded to me that the banker made saying I 'm not cooperative, which I have attached and it makes no sense ( the comment ) in general. I did everything I can and it is not my tesponsibilty to find the money because according to XXXX it never left Wells Fargo. Please help.

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 03-03-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PR).
Issue: Problems when you are unable to pay

Complaint: GM FINANCIAL keeps billing me and sending me financial information of a debt I had after asking them to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Kings Credit Services (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: In 2010 my wife had medical coverage under my work insurance but she failed to pay the portion not covered by my medical insurance. Kings Credit services located in XXXX California served me court papers by mail with less than a week to respond and had placed a lien on my property. I paid the debt and they informed me that they would take off the lien on my property but failed to do so and 7 years later it is still showing on my credit report. The medical bills were not mine but my wife 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Debt collection (Payday loan) with ACH Recovery Solutions (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My mother got a call twice on XX/XX/XXXX and then today on XXXX XXXX from a XXXX XXXX at XXXX about a debt that I owe to a online payday loan that was generated back in XX/XX/XXXX and again in XX/XX/XXXX my mother called me about such call and stated that this man keeps calling her house about a debt I owe and he is threating to take court papers out on me if I do not contact him. I called him from my home phone and his number did not allow blocked callers so I called him from my cell number. he indicated that I owe a debt to a online payday loan that I took out in XX/XX/XXXX and XX/XX/XXXX that came to my XXXX account and I requested the true and accurate documents and he stated that I need to go online and research the work " false instrument '' and then for me to go to XXXX and then when I define the word and for me to call him Monday because he is not going to sit on the phone and argue with me about the debt and he hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with First Data Corporation (ME).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 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: Transuni on had a computer breach that violated the rights of their consumers. Under section 6.11, I have been affected gravely and my credit score is suffering as a result. The glitch cased all of my inquiries to be deleted and my credit score increased. The very next week, all of the inquiries were reinstated, in direct violation of 611 of the Fair    Reporting Credit Act. I have spoken to se veral representatives at Transunion and each has acknowledged the breach occurs several times  in  XX/XX/XXXX  and  XX/XX/XXXX . However, they refuse to fix the errors on my credit report. I am requesting the the   reinsertions be permanently deleted from my credit report. I demand that the following inquiries be deleted immediately :   XXXX   XXXX   on  XX/XX/XXXX , XX/XX/XXXX ,  XXXX    XXXX   XXXX   on   XX/XX/XXXX ,    XX/XX/XXXX ,    XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX     on   XXXX  ,  XX/XX/XXXX ,   XXXX     XXXX   XXXX   on  XX/XX/XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX     XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX  on  XX/XX/XXXX ,   XXXX  ,   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on   XXXX    XXXX  on   XXXX  ,   XXXX     XXXX     XXXX   on  XX/XX/XXXX   XXXX  on   XXXX    XXXX  on  XX/XX/XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   on  XX/XX/XXXX    XXXX   XXXX   XXXX   on  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX    on   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   on  XXXX / 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 non-monetary relief
Consumer complaint received 06/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I 've been paying Navient consecutively every XXXX of the month for a few years now. Not until XX/XX/XXXX did I check my bank account and notice that the usual payment {$300.00} + did not come out. I called navient & spoke with a represtative, she explained that they no longer excepted payments via credit card this is why the charges did n't go through and that I will have to set up the payments through auto debit. I agreed and she proceeded to explain that the monthly payments for both A & B private loans will be a total amount of {$160.00}. Fast forward to XX/XX/XXXX I obtain one email from XXXX XXXX at navient stating that I should contact them due to an error in my account. When I called I spoke to XXXX and I explained everything above. She understood my issue and said she will pass it to a mgr who will call me back in a week. No one called me, so I followed up today on XX/XX/XXXX Only to be told by the mgr XXXX that even if I pay the back balance today i will 1. still be charged a late fee, 2.the late fee will remain on my record & this will disqualify me to release my consigner in the future, and 3. to make matters worse I now have to pay interest on top of the principal increasing my payments to {$350.00} & change instead of the {$320.00} I was paying for years. I find it to be ridiculous that I now have to be penalized with extra fees due to the reps mistakes. I was only recently notified this month, and they tacked on all these fees, placed me on forebearence because of it. The reps were rude and not helpful at all. I understand this may not seems like a huge increase in payment to some, but it makes a huge difference to me, and hurts me financially. I 'm hoping that the forbearance can end and my regular payments can be eplimented. Many thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX XXXX XXXX Please investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX XXXX I do not believe I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX XXXX XXXX Investigate the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX XXXX XXXX The following items do not seem correct company name, account number and collection responsibility. Please review and remove this collection for being incorrect. 

XXXX XXXX I am requesting an investigation of this collection because the assigned date and date of last activity does n't seem right. Please remove this collection from my credit report. 

XXXX XXXX Did you verify this account directly with the court or through XXXX or XXXX XXXX? Or maybe even a third party? I contacted the court directly and asked them what information they verified with you and they told me that they do not verify information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I just received a Walmart MasterCard in the mail issued through XXXX XXXX that I did not apply for. Today is X/XX/17. Even though it says that I have to call to activate my account, anyone could have stolen it and activated it in my name. I want this practice to stop immediately. I am also going to file a complaint with the BBB.

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 02-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: ASKED QUESTIONS THAT I WAS NOT AWARE OF

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with DISCOVER BANK (MN).
Issue: APR or interest rate

Complaint: I spoke to an account representative about an interest rate reduction. They offered me 16.24 % APR which I specifically asked if it was the best rate they had. They said yes. I manage my finances online using a number of bank aggregators who actively look for the best deals in banking, credit cards and loans. The advertised rate was significantly lower than the one I was given ( 10.99 % ). When I called to try and resolve this issue with them, they were dismissive and were not even open to the idea that mistakes can happen on their end. My credit has been above XXXX for the better part of a year, no significant debts or credit inquiries. If I do not qualify for prime I 'm not sure who would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was declined for a department store credit card because of conflicting address information between my application and the credit-reporting agency, even though my XXXXredit score at that time was XXXX. This rejection notice was received at my home address, the one on the credit card application. I sent a reply to Comenity Bank of XXXX Ohio, the bank that manages this particular credit card, with my return address on the envelope. I waited for a statement and when no statement showed up in my mailbox after XXXX months I went to the store where the purchase was made and made a payment in full to the XXXX on duty and thought that I had fulfilled my obligation. Comenity Bank was, I believe, intentionally send the billing statements to the wrong address that was provided by the credit-reporting agency even though Comenity Bank had my correct address and had corresponded with me and received a response from me with my correct address. I had moved and changed my address more than XXXX years before I applied for the credit card. The Postal Service will only forward mail to a new address for a period of XXXX year after the change was made. This time was long up. I apparently was, and still am, being charged for non-payment fees and interest on an account that I believed was paid of in full. Comenity Bank attempted to communicate with me with recorded messages and phone trees and rarely a human being. when I did return a call and talked to a human, ( XXXX ID # XXXX ), all he wanted was an address update which I gave him. Then I received a bill in the mail that was over XXXX XXXX dollars with no explanation o what the charges were for. I did n't pay this bill. I received a second bill and this bill showed a charge for non-payment and interest on the unpaid balance. I will not pay this XXXX either. 

I would like to add that during the time of this dispute that I had changed my phone number, for reasons not concerning this dispute, and Comenity Bank was able to discover this new number and begin sending messages to it. They should have been able to find my correct mailing address too and not keep sending billing statements to the wrong address to intentionally charge me fines and interest on an account that they denied in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with loanDepot.com, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted. I reinforced the issue requesting the inquires are removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX suspected fraud activity inquiry dateXX/XX/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 10-06-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX, XXXX, XXXX have been trying to make additional loan payments to principal since XXXX 2014. Navient has continually made processing errors ( including not making payments recurring as directed and promised and not making payments in the proper amount ) and providing incorrect information regarding manually making additional payments. This has resulted in a continual halt on progress in paying down my student loans, which the company takes no responsibility for. The representatives will apologize for previous errors, but will not take actions to retroactively correct them ; although they promise to " personally monitor '' future payments, I never receive the in-writing confirmation that they promise. I have also requested documentation including my XXXX and loan disclosures be sent, which I 'm told has a XXXX day delivery window via USPS. To date, I have not received these documents and have just made another request for them today. 

Most recently, I was advised that if my billing due date is on a weekend, I should schedule an additional principal payment for the first business day following as their online system does not allow scheduling payments on a Saturday or Sunday. Following the representative 's instruction resulted in two days of accrued interest taken out of my additional payment ( due date Saturday XXXX. payment scheduled for Monday XXXX ). The supervisor I spoke with today sent in a request that my payment be made effective on XXXX as I was given faulty information, but can not guarantee that any action will be taken. I was advised instead to schedule additional payments on the Friday before any weekend due date, although this may still result in accrued interest charges. 

Each time I have to call Navient I can count on at least 45 minutes to an hour or more of my life wasted. Navient engages in shady business practices that not only waste my time and money, but also appear to be illegal ( if not absolutely immoral ). I have no recourse other than to continue wasting my time and energy with a customer service department that is inept, uninformed and makes " promises '' and " guarantees '' that they do not keep. 

I have a record of most of my calls since XXXX 2014, including names and promises made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: COMPANY CONTINUE TO REPORT OUTDATED INFOR PAST 5YRS SINCE 2011 ; STATUS OF LIMITATION TO RETAIN OVER 5YRS OLD AND MUST BE REMOVE, NOT MY ACCOUNTS OF INSUFFICIENT FUNDS INCORRECT DATA REPORTED. VIOLATES FCRA AND FCBA..SAME INFOR REPORTED ON FILE 5 TIMES

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