milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Payday loan () with Guidiville Indian Rancheria (NJ).
Issue: Can't contact lender

Complaint: i had a balance on a pay day loan to Multiloan Source of XXXX. The account was submitted to collections. I started to receive phone calls from a XXXX XXXX at XXXX XXXX at work and even called my brother who not even listed on any of my information.They call threaten and try to shame and pressure me to give my card number over the phone. They leave a claim number only. When I call back they state the courts would love have my case and it on the mangers desk. I asked for written proof they send an email with no contact address or contact name. When I asked they nasty and hung up. Called Muti loan Source refer to XXXX XXXX auto refer to XXXX XXXX XXXX get a message XXXX XXXX away from desk leave a message. This has happened several times. 
My original Account # is XXXX bal. XXXX XXXX claim # XXXX Multiloan source XXXX They state they do n't know who account may have been given too.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Credit determination

Complaint: On XX/XX/XXXX, my XXXX son received a pop-up to buy something on a video game. A PayPal application appeared and he entered ONLY my name, DOB, and address. He INCORRECTLY entered a SSN. Based on this easily-obtained information and an incorrect input, PayPal opened a line of credit and my son made a charge. 
When I called PayPal on XX/XX/XXXX, it told me that their policy is to allow credit based on " three out of four '' pieces of correct information. It does not matter if someone puts in incorrect information, yet that is exactly the red flag that should be the basis for denial. Further name, address and DOB can be obtained so easily, it enables identify theft. 
I paid the amount my son owed, gave the lecture, and took away electronics ; however, it is unnerving to me that anyone with such little information can open credit in my name. Further, XXXX I am disturbed by PayPal 's practice of enticing juveniles to open credit lines in the throes of impulsivity ( i.e., while gaming ). It reminds me of the Camel cigarette ads except for this time, PayPal gives them the false identification.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (FHA mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I made my mortgage payment over the phone with automated system and authorize them to charge withdrawal from my bank {$1700.00} for the month of XXXX but when i checked my bank statement they had withdrawal more than the amount i authorized which was {$1700.00}. By them doing this it put me on overdrawn on my account which i was then charge a {$30.00} courtesy fee. I called they said they were going to refund me the amount and i would get a call from someone to verify this but i never received a call. I called them today again and they say they no where in my account does it say i 'm getting refunded. This is not the only time i had to pay extra money because of them last year i had to pay penalty fees on the tax payment they did n't make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Credit card) with Patenaude & Felix APC (AZ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a message from Patenaude & Felix APC stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I TOOK A LOAN IN XX/XX/XXXX TO ATTEND COLLEGE AT XXXX XXXX UNIVERSITY. I GRADUATED FROM ANOTHER COLLEGE IN XX/XX/XXXX. 
AT THAT TIME NATIONAL COLLEGIATE LOAN TRUST WAS UNDER A DIFFERENT NAME. I COULD NOT PAY BACK THE LOAN BECAUSE WHAT THEY WERE ASKING FOR PER MONTH WAS SOMETHING I CAN NOT AFFORD DUE TO MY INCOME. THEY WERE NOT WILLING TO WORK WITH ME. IN XX/XX/XXXX, I RECEIVED A LETTER FROM A DEBT COLLECTOR FROM A LAW FIRM THAT I WAS ORDERED TO PAY OVER {$28000.00}. MY MOTHER, XXXX XXXX, WAS ALSO COSIGNER. I SETTLED WITH THEM TO PAY XXXX A MONTH UNTIL PAID OFF. I MADE 12 PAYMENTS OF XXXX ON TIME UNTIL XXXX XXXX. I LOST MY JOB, AND MY MOM COULD NOT PAY THE LAW FIRM BECAUSE SHE NEEDED TO HELP ME. IN XXXX XXXX, I RECEIVED A LETTER OF DEFAULT OF LOAN. I RECEIVED A NEXT LETTER THAT THEY NEEDED PROOF OF WAGES AND ASSETS FROM ME AND MY MOM, AND DUE WITHIN 45 DAYS. IT HAS ONLY BEEN A FEW MONTHS SINCE WE HAVE NOT BEEN PAID THEM. I HAVE SINCE FOUND A JOB IN XXXX, AND WE WERE GOING TO START PAYING THEM AGAIN. BUT NOW THEY HAVE GONE TOO FAR TO TRY TO COME AFTER OUR WAGES AND ASSETS. I AM A SINGLE MOTHER WITH XXXX CHILD, AND MY MOM IS ABOUT TO RETIRE -- I WILL NOT ALLOW THEM TO TAKE AWAY WHAT WE HAVE WORKED HARD TO EARN OVER A FEW PAYMENTS THAT HAVE BEEN MISSED. I HAVE ALSO PETITIONED TO FILE FOR CHAPTER XXXX BANKRUPTCY, BUT THIS DOES N'T TAKE CARE OF MY PRIVATE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I signed up for the Chase Sapphire Preferred card. When I was happy with the card, I decided to refer my parents. I applied with them and generated a referral link through Chase 's website and submitted the application for my parents. My parents got their credit card and made their first purchase yet I never received a bonus. Now, Chase is telling me they didnt apply through proper channels even though I was the person that applied with my parents as I help them with their finances and I ensured that my browser was accepting tracking cookies etc so I would receive the XXXX point bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
<P/>
Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.

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 01-03-2017 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Rewards

Complaint: I have had a XXXX Credit card for years, i have purchased and paid a lot of things with it and wanted to redeem my points. The credit card made it so hard to redeem my points that it 's ridiculous, I had been trying to do this for more than a month already and now I wanted to cancel the card since it just not worth it anymore and they charge yearly fee but I want my points redeemed and they have put a mark on my credit report. To make the matters worth, I had points that were worth ~ {$600.00} + and now I ca n't redeem for cash but for the some gift cards which are worth around ~ {$130.00} and are through the recommended companies which will rip you off, but even they are not even helping, because they do n't provide even a customer service phone numbers and only communicate through email.

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 10/15/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection agency called PORTFOLIO RECOVERY is alleging that I owe money to XXXX XXXX XXXX. I have not received any letters from collection agency as proof and they place a negative mark on my Credit Report without notifying me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (LA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are various records indicating that I closed the XXXX XXXX and XXXX XXXX XXXX XXXX. I did not closed these accounts and the company can not find who called or made the phone called. In addition, I was a victim of identity theft and there are many inquiries in my account that were not made by me. XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. These credit inquiries were not made by me and I need them to be taken on the credit reports from Experian. I need to erase all records that were done without my consent. I have been arguing these issues for over a year and to no avail.

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 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Other fee

Complaint: XX/XX/XXXX, I noticed charges on my Citgo credit card, managed by Syncrony Bank, were pending in amounts higher than actual charges. We questioned the gas station manager and were advised that Citgo was now imposing a {$30.00} hold charge on every transaction for 24 -48 hours until the actual charges were processed. I called Syncrony bank and advised that the " pending '' charges were being imposed by Citgo. I call Citgo and advised the charges were a result of a new business takeover and began in XXXX. I advised that this was unfair since my account was reflecting the " pending '' {$30.00} charges for 48 - 72 hours in addition to the actual gas purchases made thus tying up credit and effecting my overall credit availability on the card and as a whole. Attached is my recent on-line billing activity reflecting {$30.00} pending dated XXXX and XXXX. Both purchases were made but only for {$12.00} and {$17.00} ( also attached ), respectively. In addition, the on-line bill reflects both the XXXX actual and pending charges for a total of {$42.00}. Up to XXXX, only the actual gas/merchandise charges were " pending '' until they were applied to the account reflecting a true and accurate balance due and credit available on the account. Now, substantial credit is tied up by these bogus " pending '' charges and to add insult to injury the " pending '' charges are reflected on the account for the same purchases for 24-48 hours after the actual charges have hit.

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 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian continues to report inaccurate and outdated information. I have submitted several disputes and Experian does not verify credit report info being reported. They just dismiss my disputes and continue to report inaccurate information instead of deleting it. I believe I am being discriminated against by Experian. Transunion and Equifax have updated my reports to reflect accurate information and they verify it. Experian does not and I want them investigated for refusing to verify and furnish most recent date verified.

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 03-06-2016 about Credit reporting () with CITIBANK, N.A. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following credit card company reported a late payment on my account when in fact they were paid on time XXXX reported non payment after I paid the account out Sears change card company name, so did XXXX XXXX when the changed the payment went to the old company and the reported a late payment when they had the payments ; The company failed to put in place a process for the payments to go into the new account, nor did they check and placed the payment in XXXX the correct account apparently they just kept the money without applying it to the correct account ; Instead reported me late to the credit reporting companies, I have made request to correct the error to know availed, I submitted proof of payments

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 12-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.

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 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: i was told my only option was to go into forbearance from XXXX.

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